Community Bank of El Dorado Springs: how it compares with its peers
Against 84 MO banks with half to twice its assets, Community Bank of El Dorado Springs's strongest measure in Q2 2026 is efficiency ratio (43.35% vs. a 62.10% peer median). Its weakest relative measure is net interest margin (4.01% vs. 3.96%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.29% | 1.24% | Top third Ahead of 88% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.01% | 3.96% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 43.35% | 62.10% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $6.0M | Top third Ahead of 87% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.02% | 78.82% | Context |
What it means for lending operations
Its efficiency ratio of 43.35% is better than the 62.10% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Crocker Waynesville, MO · $143M
- Citizens Community Bank Pilot Grove, MO · $143M
- Alton Bank Alton, MO · $145M
- Four States Bank Carthage, MO · $142M
- Jonesburg State Bank Jonesburg, MO · $146M
- Independent Farmers Bank Maysville, MO · $147M
Questions about Community Bank of El Dorado Springs
How big is Community Bank of El Dorado Springs?
Community Bank of El Dorado Springs, established in 1981, is headquartered in El Dorado Springs, MO. It reported $144M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Community Bank of El Dorado Springs's return on assets?
2.29% annualized in Q2 2026, against a 1.24% median for 84 MO banks with half to twice its assets, ahead of 88% of them.
What is Community Bank of El Dorado Springs's efficiency ratio?
43.35% in Q2 2026: it spent about 43 cents in noninterest expense for each dollar of revenue. The peer median is 62.10%, and lower is better.
Is Community Bank of El Dorado Springs growing its loans?
Net loans grew 9.1% over the year to Q2 2026, while deposits grew 9.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.