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Overview / Commentary
801 West Foxwood Drive
Raymore, MO 64083

Community Bank of Raymore is headquartered in Raymore and is the 120th largest bank in the state of Missouri. It is also the 3,341st largest bank in the nation. It was established in 1979 and as of December of 2013, it had grown to 46 employees at 3 locations. Community Bank of Raymore has a C+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Community Bank of Raymore had $3.76 million in non-current loans and owned real-estate with $13.46 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Raymore a Texas Ratio of 27.96% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community Bank of Raymore experienced no significant changes from 26.12% as of December 31, 2012 to 27.96% as of December 31, 2013, resulting in a negative change of 7.03%. This indicates that the balance sheet and financial strength for Community Bank of Raymore has had no significant changes in recent periods.

Deposit Growth


In the past year, Community Bank of Raymore has increased its total deposits by $1.89 million, resulting in 1.18% 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 Raymore has shown is above average.



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 Raymore has $175.28 million in assets with $13.46 million in equity, resulting in a capitalization level of 7.68%, which is below average.

Institution Statistics

FDIC Certificate #22867
Year Established1979
Primary RegulatorFDIC
Assets and Liabilities
Assets$175.28 million
Loans$110.87 million
Deposits$162.02 million
Equity Capital$12.68 million
Loan Loss Allowance$781,000
Unbacked Noncurrent Loans$2.81 million
Real Estate Owned$948,000
Historic Data - December 2012
Assets$180.58 million
Equity Capital$14.69 million
Loan Loss Allowance$1.16 million
Unbacked Noncurrent Loans$2.81 million
Real Estate Owned$948,000
Profit Margin - Quarterly
Net Interest Margin3.04%
Return on Assets1.3%
Return on Equity16.76%
Interest Income$5.36 million

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Community Bank of Raymore Savings Account Rates

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

Community Bank of Raymore Money Market Rates

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

Community Bank of Raymore Checking Account Rates

1.50%-$10kRewards Checking
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

Community Bank of Raymore CD Rates

0.95%$500-4 Year CD
0.80%$500-3 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 Raymore IRA Rates

0.95%$500-4 Year IRA
0.80%$500-3 Year IRA
0.35%$500-2 Year IRA
0.30%$500-1 Year IRA

Community Bank of Raymore Locations
Harrisonville Branch1503 North State Route 291 HighwayHarrisonville, MO 64701
Peculiar Branch300 Sr C HighwayPeculiar, MO 64078
Community Bank Of Raymore801 West Foxwood DriveRaymore, MO 64083