Community Bk Pleasant Hill
Pleasant Hill, Missouri · FDIC Cert #58423
Community Bk Pleasant Hill is an FDIC-insured bank (Certificate #58423) with $152M in total assets and $148M in total deposits as of the Q2 2024 Call Report. Headquartered in Pleasant Hill, Missouri, the bank maintains a Tier 1 capital ratio of 21.41% (Well-Capitalized) and a nonperforming loan ratio of 0.12%. BankHealthData assigns a composite Health Grade of A (96/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Community Bk Pleasant Hill (FDIC cert 58423) is a community bank — $152M in total assets, $148M in deposits, serving the Pleasant Hill, 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 21.41% 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 clean: non-performing loan ratio of 0.12% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 68.1% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.08% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Community Bk Pleasant Hill carries a composite BankHealth grade of A (96/100) 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 Bk Pleasant Hill
- Total Assets
- $152M
- Total Deposits
- $148M
- Tier 1 Capital Ratio
- 21.41%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.12%
- Liquidity Ratio
- 68.09%
- Return on Assets
- 1.08%
- Headquarters
- Pleasant Hill, Missouri
- FDIC Certificate
- #58423
- Health Grade
- A (96/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Community Bk Pleasant Hill holds a Tier 1 capital ratio of 21.41%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Community Bk Pleasant Hill has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Community Bk Pleasant Hill shows strong financial health indicators. With $152M in assets and a Health Score of 96/100, 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 Bk Pleasant Hill Compares
Community Bk Pleasant Hill’s Health Score of 96 is 29 points above the Missouri state average of 67 across 193 FDIC-insured banks. Its 21.41% Tier 1 capital ratio is 7.4 points above the US banking industry average near 14%. The 0.12% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.08% is below the national ROA benchmark of ~1.1%. Among 1378 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Community Bk Pleasant Hill is 26 points above the portfolio average of 70.
Frequently Asked Questions
Community Bk Pleasant Hill has a Bank Health Score of A (96/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 21.41%, 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 Bk Pleasant Hill's Tier 1 capital ratio of 21.41% and nonperforming loan ratio of 0.12% 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 Bk Pleasant Hill is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58423). 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 Bk Pleasant Hill holds $152M in total assets and $148M in total deposits. It is headquartered in Pleasant Hill, Missouri (FDIC Certificate #58423).
Community Bk Pleasant Hill has a Tier 1 capital ratio of 21.41%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.12%, and the return on assets is 1.08%.
Yes. Community Bk Pleasant Hill is FDIC-insured (Certificate #58423). 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 Bk Pleasant Hill'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.