Community Bank of Missouri
Richmond, Missouri · FDIC Cert #57141
This is the FDIC profile for Community Bank of Missouri, an FDIC-insured bank (Certificate #57141) with $80M in total assets and $68M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Richmond, Missouri, the bank maintains a Tier 1 capital ratio of 18.69% (Well-Capitalized) and a nonperforming loan ratio of 1.62%. BankHealthData assigns a composite Health Grade of A (90/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Community Bank of Missouri (FDIC cert 57141) is a community bank — $80M in total assets, $68M in deposits, serving the Richmond, Missouri area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 18.69% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.62% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 33.1% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 2.38% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Community Bank of Missouri carries a composite BankHealth grade of A (90/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Community Bank of Missouri
- Total Assets
- $80M
- Total Deposits
- $68M
- Tier 1 Capital Ratio
- 18.69%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.62%
- Liquidity Ratio
- 33.12%
- Return on Assets
- 2.38%
- Headquarters
- Richmond, Missouri
- FDIC Certificate
- #57141
- Health Grade
- A (90/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Community Bank of Missouri files quarterly Call Reports with the FDIC under Certificate #57141. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Community Bank of Missouri holds a Tier 1 capital ratio of 18.69%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Community Bank of Missouri has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Community Bank of Missouri shows strong financial health indicators. With $80M in assets and a Health Score of 90/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Community Bank of Missouri Compares
Community Bank of Missouri’s Health Score of 90 is 11 points above the Missouri state average of 79 across 193 FDIC-insured banks. Its 18.69% Tier 1 capital ratio is 4.7 points above the US banking industry average near 14%. The 1.62% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.38% is in line with or above the national ROA benchmark of ~1.1%. Among 917 similarly-sized banks, the average Health Score is 82, meaning this bank ranks above its size cohort. Site-wide, Community Bank of Missouri is 10 points above the portfolio average of 80.
Frequently Asked Questions
Community Bank of Missouri has a Bank Health Score of A (90/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 18.69%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Community Bank of Missouri's Tier 1 capital ratio of 18.69% and nonperforming loan ratio of 1.62% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Community Bank of Missouri is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57141). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Community Bank of Missouri holds $80M in total assets and $68M in total deposits. It is headquartered in Richmond, Missouri (FDIC Certificate #57141).
Community Bank of Missouri's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #57141 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Community Bank of Missouri has a Tier 1 capital ratio of 18.69%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.62%, and the return on assets is 2.38%.
Yes. Community Bank of Missouri is FDIC-insured (Certificate #57141). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Community Bank of Missouri's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.