Community Bank of Raymore

801 West Foxwood Drive
Raymore, MO 64083
(888) 322-6772
www.cbronline.net

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Community Bank of Raymore is headquartered in Raymore and is the 128^th largest bank in the state of Missouri. It is also the 3,604^th largest bank in the nation. It was established in 1979 and as of September of 2011, it had grown to 47 employees at 3 locations. Community Bank of Raymore has a 5-star health rating.

Community Bank of Raymore Routing Number: 101003773

High-Yield Reward Checking Account at a Missouri Bank - Available Nationwide (Community Bank of Raymore) - 6/10/2008

Update 3/31/09: The top yield has fallen to 3.01% APY. Refer to the bottom of the post for the rate history.Community Bank of Raymore has a rewards checking account that pays 3.01% APY on balances up to $25,000 (0.50% for above) and refunds all ATM fees...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Community Bank of Raymore Checking Account Rates

Apy	Min	Max	Product
2.01%	-	$25k	Rewards Checking
0.85%	$2,500	-	Wall Street Checking
0.10%	-	-	Low Minimum Interest Checking
0.10%	-	-	VIP Interest Checking
0.10%	-	-	50+ Interest Checking
0.10%	-	-	Business Interest Checking

Community Bank of Raymore Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Statement Savings
0.00%	-	-	Premier Money Management

Community Bank of Raymore Money Market Rates

Apy	Min	Max	Product
0.65%	$50k	-	Personal Money Market
0.65%	$50k	-	Business Money Market

Community Bank of Raymore CD Rates

Apy	Min	Max	Product
1.24%	$500	-	4 Year Emerald Club CD
1.21%	$100k	-	5 Year CDARS
1.05%	$500	-	3 Year Emerald Club CD
1.00%	$500	-	4 Year CD
0.90%	$5k	-	27 Month Emerald Club Rate Watcher CD
0.80%	$500	-	3 Year CD
0.80%	$500	-	2 Year Emerald Club CD
0.65%	$5k	-	27 Month Rate Watcher CD
0.65%	$5k	-	15 Month Emerald Club Rate Watcher CD
0.55%	$500	-	2 Year CD
0.50%	$500	-	6 Month Emerald Club CD
0.50%	$500	-	1 Year Emerald Club CD
0.45%	$500	-	90 Day Emerald Club CD
0.45%	$100k	-	3 Year CDARS
0.40%	$5k	-	15 Month Rate Watcher CD
0.40%	$500	-	30 Day Emerald Club CD
0.28%	$100k	-	2 Year CDARS
0.25%	$500	-	6 Month CD
0.25%	$500	-	1 Year CD
0.20%	$500	-	90 Day CD
0.15%	$500	-	30 Day CD
0.05%	$100k	-	52 Week CDARS
0.00%	$25k	-	4 Week CDARS
0.00%	$25k	-	13 Week CDARS
0.00%	$25k	-	26 Week CDARS

Community Bank of Raymore IRA Rates

Apy	Min	Max	Product
1.24%	$500	-	4 Year Emerald Club IRA
1.05%	$500	-	3 Year Emerald Club IRA
1.00%	$500	-	4 Year IRA
0.90%	$5k	-	27 Month Emerald Club Rate Watcher IRA
0.80%	$500	-	2 Year Emerald Club IRA
0.80%	$500	-	3 Year IRA
0.65%	$5k	-	15 Month Emerald Club Rate Watcher IRA
0.65%	$5k	-	27 Month Rate Watcher IRA
0.55%	$500	-	2 Year IRA
0.50%	$500	-	1 Year Emerald Club IRA
0.40%	$5k	-	15 Month Rate Watcher IRA
0.25%	$500	-	1 Year IRA

Rates updated: 2/9/2012

Data for Q3 2011

Institution Statistics

Community Bank of Raymore
FDIC Certificate #	22867
BankRate Report	View
Year Established	1979
Employees	47
Primary Regulator	FED
Assets and Liabilities
Assets	$165.18 million
Loans	$112.47 million
Deposits	$149.14 million
Equity Capital	$15.21 million
Loan Loss Allowance	$919,000
Unbacked Noncurrent Loans	$539,000
Real Estate Owned	$306,000
Historic Data - September 2010
Assets	$146.90 million
Equity Capital	$14.53 million
Loan Loss Allowance	$940,000
Unbacked Noncurrent Loans	$852,000
Real Estate Owned	$306,000
Profit Margin - Quarterly
Net Interest Margin	3.53%
Return on Assets	1.72%
Return on Equity	19.04%
Interest Income	$4.75 million

Institution Health

Overall Score:

5 out of 5

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 September 30, 2011 Community Bank of Raymore had $845,000 in non-current loans and owned real-estate with $16.13 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Raymore a Texas Ratio of 5.24% which is excellent. 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 decreased slightly from 7.49% as of September 30, 2010 to 5.24% as of September 30, 2011, resulting in a positive change of 30.04%.This indicates that the balance sheet and financial strength for Community Bank of Raymore has improved slightly in recent periods.
Deposit Growth
In the past year, Community Bank of Raymore has increased its total deposits by $17.55 million, resulting in 13.34% 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 excellent.
Capitalization
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 $165.18 million in assets with $16.13 million in equity, resulting in a capitalization level of 9.77%, which is average.