Total Assets
$133M
Total balance-sheet footings
FDIC Cert #23551 · El Dorado Springs, Missouri · Est. 1981
Community Bank of El Dorado Springs - FDIC Bank Health Profile
A community-scale look at Community Bank of El Dorado Springs's own numbers, pulled straight from its quarterly FDIC Call Report.
- $133M
- Total assets
- A
- Health grade · Excellent
- 2.23%
- Return on assets
- 16.6%
- Tier 1 capital
Data updated July 2026
The verdict
Community Bank of El Dorado Springs earns a PlainBankData health grade of A (100/100), with well-capitalized at 16.61% Tier 1, profitable at 2.23% ROA, efficient (44% cost ratio).
- #3,503
- largest of 4,313 FDIC banks by assets
- 19th
- percentile by asset size, nationally
- 16.61%
- Tier 1 ratio - above the 10% well-capitalized line
- 94th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Community Bank of El Dorado Springs's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Community Bank of El Dorado Springs's composite health score
Tier 1 Capital Ratio (16.61%) 40/40
Return on Assets (ROA) (2.23%) 25/25
Texas Ratio (0.33%) 20/20
Efficiency Ratio (44.33%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$110M
Customer-funded liabilities
Net Loans
$83M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Community Bank of El Dorado Springs ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community Bank of El Dorado Springs's score of 100/100 falls in the highlighted band.
Community Bank of El Dorado Springs's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Community Bank of El Dorado Springs's $133M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.61% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.61%
Texas Ratio
0.33%
Equity Capital
$22M
Profitability metrics
Return on Assets (ROA)
94th percentile nationally
2.23%
Return on Equity (ROE)
13.84%
Efficiency Ratio
44.33%
What the numbers say about Community Bank of El Dorado Springs
Community Bank of El Dorado Springs is an FDIC-insured institution (Certificate #23551) headquartered in El Dorado Springs, Missouri, established in 1981. It holds $133M in total assets - 3,503rd of 4,313 FDIC-insured banks, $110M in customer deposits, and $83M in net loans. Its capital position: a Tier 1 ratio of 16.61%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.33% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Community Bank of El Dorado Springs is a community-scale institution -- 159th of 198 FDIC-insured banks headquartered in Missouri by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$7M
Interest Income
$292K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Community Bank of El Dorado Springs reports a Texas Ratio of 0.33% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.33% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community Bank of El Dorado Springs (FDIC Cert #23551) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Community Bank of El Dorado Springs's health grade?▼
Community Bank of El Dorado Springs receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Community Bank of El Dorado Springs?▼
Community Bank of El Dorado Springs holds $133M in total assets and $110M in deposits, ranking 3,503rd of 4,313 FDIC-insured banks by asset size. It is headquartered in El Dorado Springs, Missouri.
Is my money safe at Community Bank of El Dorado Springs?▼
Yes, deposits at Community Bank of El Dorado Springs (Certificate #23551) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community Bank of El Dorado Springs's Tier 1 Capital Ratio?▼
Community Bank of El Dorado Springs has a Tier 1 Capital Ratio of 16.61%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Community Bank of El Dorado Springs?▼
Community Bank of El Dorado Springs has a Texas Ratio of 0.33%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Community Bank of El Dorado Springs?▼
Community Bank of El Dorado Springs has an Efficiency Ratio of 44.33%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community Bank of El Dorado Springs's profile as a depositor or analyst.
- Community Bank of El Dorado Springs's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community Bank of El Dorado Springs against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.