TellerScore

Community Bank of El Dorado Springs is a state-chartered bank headquartered in El Dorado Springs, Missouri, in business for about 45 years. At the end of Q2 2026 it reported $143.6M in total assets and $120.4M in deposits, with 1 office.

Based on its Q2 2026 filing, Community Bank of El Dorado Springs scores 98/100, which we describe as very strong. That is higher than 100% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 1st. Its strongest component is capital cushion (100/100; 16.56%), and its lowest is funding & liquidity (90/100; 70% loans-to-deposits, 11% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.56%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.09%
Earnings100/100
Return on assets (annualized): 2.29%
Funding & liquidity90/100
Loans ÷ deposits and uninsured-deposit share: 70.0% · 10.7% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.33%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (96 → 98), mostly because the loan quality component improved by 5 points.

TellerScore
949698Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202495
Q4 202495
Q1 202596
Q2 202596
Q3 202598
Q4 202597
Q1 202694
Q2 202698
Tier 1 leverage ratio
5.00%10.91%16.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.06%
Q3 202415.87%
Q4 202416.29%
Q1 202516.54%
Q2 202516.38%
Q3 202515.98%
Q4 202516.61%
Q1 202616.81%
Q2 202616.56%
Noncurrent loans
0.09%0.24%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.23%
Q3 20240.24%
Q4 20240.24%
Q1 20250.24%
Q2 20250.24%
Q3 20250.09%
Q4 20250.09%
Q1 20260.39%
Q2 20260.09%
Return on assets
1.66%1.99%2.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.66%
Q3 20241.72%
Q4 20241.77%
Q1 20251.96%
Q2 20252.05%
Q3 20252.21%
Q4 20252.23%
Q1 20262.33%
Q2 20262.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202698$143.6M16.56%0.09%2.29%70.0%
Q1 202694$136.9M16.81%0.39%2.33%74.5%
Q4 202597$132.6M16.61%0.09%2.23%75.3%
Q3 202598$134.7M15.98%0.09%2.21%71.7%
Q2 202596$131.7M16.38%0.24%2.05%70.3%
Q1 202596$133.8M16.54%0.24%1.96%66.8%
Q4 202495$127.4M16.29%0.24%1.77%69.0%
Q3 202495$125.5M15.87%0.24%1.72%67.7%
Q2 202494$128.4M16.06%0.23%1.66%65.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.56%
92nd
Total risk-based capital0.00%
24th
Problem loans0.09%
75th
Net charge-offs0.00%
56th
Return on assets2.29%
93rd
Net interest margin4.01%
54th
Efficiency ratio43.3%
93rd
Loans to deposits70.0%
69th
Uninsured deposits10.7%
92nd
Loan-loss reserves1.07%
35th
Texas ratio0.3%
80th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of CrockerBank Waynesville, MO58 out of 100, Moderate$143.3M12.8%2.75%vs
Citizens Community BankBank Pilot Grove, MO79 out of 100, Strong$142.6M11.6%0.27%vs
Alton BankBank Alton, MO63 out of 100, Moderate$145.0M8.0%0.52%vs
Four States BankBank Carthage, MO76 out of 100, Strong$142.1M15.8%0.00%vs
Jonesburg State BankBank Jonesburg, MO81 out of 100, Strong$145.6M9.9%0.00%vs
Independent Farmers BankBank Maysville, MO71 out of 100, Strong$146.5M10.5%0.66%vs

Deposit insurance

Is my money safe at Community Bank of El Dorado Springs?

Yes. Community Bank of El Dorado Springs is an FDIC-insured institution (FDIC certificate #23551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.7% of deposits ($12.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Community Bank of El Dorado Springs lists 1 office in 1 city. Most locations:

  • El Dorado Springs, MO (1)

All branch addresses and map

Identity & history

Profile

Legal name
Community Bank of El Dorado Springs
Type
State-chartered bank
FDIC certificate #
23551
RSSD ID
766052
Primary regulator
FDIC
Established
October 1, 1981
Headquarters
210 E. Us Highway 54, El Dorado Springs, MO 64744
Employees
18

Quick answers

Community Bank of El Dorado Springs: common questions

Is Community Bank of El Dorado Springs FDIC insured?

Yes. Community Bank of El Dorado Springs is an FDIC-insured institution (FDIC certificate #23551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Bank of El Dorado Springs's TellerScore?

98 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Community Bank of El Dorado Springs ever failed?

There is no failure record for FDIC certificate #23551 in the FDIC failed bank list.

How many branches does Community Bank of El Dorado Springs have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near El Dorado Springs

InstitutionScoreAssetsCapitalProblem loansCompare
St. Clair County State BankBank Osceola, MO87 out of 100, Very strong$231.8M13.5%0.24%vs
Metz Banking CompanyBank Nevada, MO85 out of 100, Very strong$117.3M11.6%0.00%vs
The First National Bank of Nevada, MissouriBank Nevada, MO82 out of 100, Strong$122.2M16.1%0.95%vs
Mid-Missouri BankBank Springfield, MO80 out of 100, Strong$946.7M10.8%0.07%vs
Hawthorn BankBank Jefferson City, MO75 out of 100, Strong$1.8B11.3%0.47%vs
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs