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Overview / Commentary
888-322-6772
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 3,255th largest bank in the nation. It was established in 1979 and as of March of 2014, it had grown to 46 employees at 3 locations. Community Bank of Raymore has a C+ health rating.

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Health

Data for Q1 2014

Institution Health

C+

Texas Ratio

GRADE:
C

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 March 31, 2014 Community Bank of Raymore had $5.11 million in non-current loans and owned real-estate with $16.01 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Raymore a Texas Ratio of 31.91% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Community Bank of Raymore increased slightly from 25.65% as of March 31, 2013 to 31.91% as of March 31, 2014, resulting in a negative change of 24.44%. This indicates that the balance sheet and financial strength for Community Bank of Raymore has declined slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Community Bank of Raymore has increased its total deposits by $8.76 million, resulting in 5.51% 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

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 Raymore has $182.46 million in assets with $16.01 million in equity, resulting in a capitalization level of 8.78%, which is average.

Institution Statistics

Overall
FDIC Certificate #22867
Year Established1979
Employees46
Primary RegulatorFDIC
Assets and Liabilities
Assets$182.46 million
Loans$115.77 million
Deposits$167.80 million
Equity Capital$13.93 million
Loan Loss Allowance$2.08 million
Unbacked Noncurrent Loans$3.97 million
Real Estate Owned$1.14 million
Historic Data - March 2013
Assets$174.46 million
Equity Capital$14.69 million
Loan Loss Allowance$1.33 million
Unbacked Noncurrent Loans$3.97 million
Real Estate Owned$948,000
Profit Margin - Quarterly
Net Interest Margin3.2%
Return on Assets2.96%
Return on Equity39.75%
Interest Income$1.37 million
Rates

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

Community Bank of Raymore Savings Account Rates

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

Community Bank of Raymore Money Market Rates

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

Community Bank of Raymore 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 Raymore CD Rates

DetailsAPYMINMAXPRODUCT
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

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


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