Total Assets
$338M
Total balance-sheet footings
FDIC Cert #22867 · Raymore, Missouri · Est. 1979
Community Bank of Raymore - FDIC Bank Health Profile
A community-scale look at Community Bank of Raymore's own numbers, pulled straight from its quarterly FDIC Call Report.
- $338M
- Total assets
- A
- Health grade · Excellent
- 1.48%
- Return on assets
- 26.7%
- Tier 1 capital
Data updated July 2026
The verdict
Community Bank of Raymore earns a PlainBankData health grade of A (92/100), with well-capitalized at 26.68% Tier 1, profitable at 1.48% ROA, efficient (60% cost ratio).
- #2,323
- largest of 4,313 FDIC banks by assets
- 46th
- percentile by asset size, nationally
- 26.68%
- Tier 1 ratio - above the 10% well-capitalized line
- 73rd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Community Bank of Raymore's 92/100 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 Raymore's composite health score
Tier 1 Capital Ratio (26.68%) 40/40
Return on Assets (ROA) (1.48%) 20/25
Texas Ratio (0.48%) 20/20
Efficiency Ratio (59.98%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$322M
Customer-funded liabilities
Net Loans
$116M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Community Bank of Raymore ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community Bank of Raymore's score of 92/100 falls in the highlighted band.
Community Bank of Raymore'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 Raymore's $338M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
26.68% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
26.68%
Texas Ratio
0.48%
Equity Capital
$14M
Profitability metrics
Return on Assets (ROA)
73rd percentile nationally
1.48%
Return on Equity (ROE)
62.16%
Efficiency Ratio
59.98%
What the numbers say about Community Bank of Raymore
Community Bank of Raymore is an FDIC-insured institution (Certificate #22867) headquartered in Raymore, Missouri, established in 1979. It holds $338M in total assets - 2,323rd of 4,313 FDIC-insured banks, $322M in customer deposits, and $116M in net loans. Looking at capital strength, Tier 1 stands at 26.68%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.48%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (92/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Missouri, Community Bank of Raymore ranks 94th of 198 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$14M
Interest Income
$6M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Community Bank of Raymore reports a Texas Ratio of 0.48% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.48% - 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 Raymore (FDIC Cert #22867) - 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 Raymore's health grade?▼
Community Bank of Raymore receives a health grade of A (92/100) 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 Raymore?▼
Community Bank of Raymore holds $338M in total assets and $322M in deposits, ranking 2,323rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Raymore, Missouri.
Is my money safe at Community Bank of Raymore?▼
Yes, deposits at Community Bank of Raymore (Certificate #22867) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community Bank of Raymore's Tier 1 Capital Ratio?▼
Community Bank of Raymore has a Tier 1 Capital Ratio of 26.68%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Community Bank of Raymore?▼
Community Bank of Raymore has a Texas Ratio of 0.48%. A ratio below 50% is generally considered 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 Raymore?▼
Community Bank of Raymore has an Efficiency Ratio of 59.98%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community Bank of Raymore's profile as a depositor or analyst.
- Community Bank of Raymore's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community Bank of Raymore 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.