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816-540-2525
2401 North Highway 7
Pleasant Hill, MO 64080

Community Bank of Pleasant Hill is headquartered in Pleasant Hill and is the 268th largest bank in the state of Missouri. It is also the 5,854th largest bank in the nation. It was established in 2006 and as of June of 2014, it had grown to 21 employees at 1 location. Community Bank of Pleasant Hill has a B health rating.

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Reviews (1)

A Few Annoyances

I've had the CBPH Rewards Checking account for many years now, and it has overall been a good product. It started at 6.1% APY on $25k in the heyday of interest rates and slowly dropped to 3.01% and then 2.5% where it stayed for some time. More recently, however, it has dropped to 2% up to $10k only and a few days ago down to 1.75% where it's to the point (for me) of not being worth the hassle that I'm about to describe.

For some time now, they've only accepted pin-based transactions in certain states (the most recent list I could find was "Florida, Texas and California" however, I feel like Oklahoma was part of that list too) due to "fraudulent activity". Signature-based transactions are not accepted. This was fine for me until a few years ago when I moved to one of these states. Since then, it has been a bit of a hassle reaching the 10 transactions needed to qualify for the high interest rate. Forget about using it at a restaurant. And this restriction has been in place for several years now, so I question what kind of "fraudulent activity" they're encountering that they haven't addressed after so long.

Secondly, I like to use Mint to manage my finances, and this bank does not work well with their site (you have to enter the "captcha" anytime you want to refresh the account). Minor annoyance, but it adds up. Those 2 issues added on top of the reduced rates and reduced maximum (which was big) made me close my account. I realized I could easily get 0.8% on a regular online savings account without any of the above hassle and only miss out on about $9/month (at the current $10k cap level).

On the good side, I've talked to the staff on a few occasions, and they're generally friendly and have good customer service. It definitely has the small town feel when talking to them (generally, in a good way). Although in that light, I do wonder about security when talking to them because they generally ask for very little information to confirm your identity. One big highlight for me has been that ATMs are free even internationally.

Certainly better rates can be found, especially if you can find one locally. I've been impressed that they've been able to keep the rates competitive up until recently considering that they're open to out-of-state applicants (unless that's changed recently). I've never been to Pleasant Hill, but I've made good use of this bank in the last several years.



Health

Data for Q2 2014

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Community Bank of Pleasant Hill has a relatively low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Community Bank of Pleasant Hill had $0 in non-current loans and owned real-estate with $4.88 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Pleasant Hill a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
C-

In the past year, Community Bank of Pleasant Hill has decreased its total deposits by -$1.53 million, resulting in -3.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community Bank of Pleasant Hill has shown is below average.

Capitalization

GRADE:
C+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community Bank of Pleasant Hill has $52.1 million in assets with $4.88 million in equity, resulting in a capitalization level of 9.36%, which is average.

Institution Statistics

Overall
FDIC Certificate #58423
Year Established2006
Employees21
Primary RegulatorFDIC
Assets and Liabilities
Assets$52.10 million
Loans$24.93 million
Deposits$47.54 million
Equity Capital$4.51 million
Loan Loss Allowance$372,000
Real Estate Owned$0
Historic Data - June 2013
Assets$53.50 million
Equity Capital$4.37 million
Loan Loss Allowance$371,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.2%
Return on Equity2.39%
Interest Income$741,000
Rates

Always verify rates and promotions with the bank or credit union. We are not Community Bank of Pleasant Hill, we are a rate comparison website and can not provide official rates or promotions.

Community Bank of Pleasant Hill Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$50-Statement Savings
0.05%--KA$H
0.00%$10k-Premier Money Management

Community Bank of Pleasant Hill Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$50k-Personal Money Market
0.20%$50k-Business Money Market

Community Bank of Pleasant Hill Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.50%-$10kRewards Checking - Qualifying
0.25%$2,500-Wall Street Checking
0.10%$100-Low Minimum Interest Checking
0.10%$100-VIP Interest Checking
0.10%$100-50+ Interest Checking
0.10%$100-Business Interest Checking
0.05%--Rewards Checking - Non Qualifying

Community Bank of Pleasant Hill CD Rates

DetailsAPYMINMAXPRODUCT
0.70%$500-3 Year CD
0.70%$500-4 Year CD
0.35%$500-2 Year CD
0.35%$5k-27 Month Rate Watcher CD
0.30%$500-1 Year CD
0.25%$5k-15 Month Rate Watcher CD
0.20%$500-6 Month CD
0.15%$500-30 Day CD
0.15%$500-90 Day CD

Community Bank of Pleasant Hill IRA Rates

DetailsAPYMINMAXPRODUCT
0.70%$500-3 Year IRA
0.70%$500-4 Year IRA
0.35%$500-2 Year IRA
0.35%$5k-27 Months Rate Watcher IRA
0.30%$500-1 Year IRA
0.25%$5k-15 Months Rate Watcher IRA
Locations


Community Bank of Pleasant Hill Locations
Community Bank Of Pleasant Hill2401 North Highway 7Pleasant Hill, MO 64080