Community Bank of Raymore

Headquarters

801 West Foxwood Drive
Raymore, MO 64083
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.91% →
1-Year CD 0.05% 1.01% →
2-Year CD 0.05% 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Community Bank of Raymore is an FDIC insured institution located in Raymore, MO. It was founded in 1979 and has approximately $0.29 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 22867
Date Established 1979
Assets $ 290.74 million
Loans $ 143.69 million
Deposits $ 264.41 million
Capital $ 24.66 million
 

For a more detailed analysis of Community Bank of Raymore's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 31, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.05% $10,000 $14,999 Learn More
3 Mo CD
0.05% $100,000 $199,999 Learn More
6 Mo CD
0.05% $10,000 $14,999 Learn More
6 Mo CD
0.05% $100,000 $199,999 Learn More
12 Mo CD
0.05% $10,000 $14,999 Learn More
12 Mo CD
0.05% $100,000 $199,999 Learn More
24 Mo CD
0.05% $10,000 $14,999 Learn More
24 Mo CD
0.05% $100,000 $199,999 Learn More
36 Mo CD
0.05% $10,000 $14,999 Learn More
36 Mo CD
0.05% $100,000 $199,999 Learn More
48 Mo CD
0.10% $10,000 $14,999 Learn More
48 Mo CD
0.10% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 31, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Community Bank of Raymore

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.558% 2.500% 0.75 $1,908 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Community Bank of Raymore
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Branches

Community Bank of Raymore branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Community Bank of Raymore Locations


Financial Details

Community Bank of Raymore Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Bank of Raymore. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Community Bank of Raymore U.S. Bank Average
7.73% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Community Bank of Raymore had $0 in non-current loans and $2,047,000 in owned real estate. To cover these potential losses it had $24,661,000 in equity and $1,811,000 in loans loss reserves. That gives it a Texas Ratio of 7.73%.

Return on Equity
Community Bank of Raymore U.S. Bank Average
29.9% 7.80%

Community Bank of Raymore has a Return on Equity of 29.9% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Community Bank of Raymore U.S. Bank Average
8.48% 12.68%

Community Bank of Raymore has a Capitalization of 8.48% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Community Bank of Raymore Balance Sheet Analysis

As of March 31, 2020, Community Bank of Raymore had assets of $290,741,000, loans of $143,690,000, and deposits of $264,408,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 3.33 million
Interest-bearing balances $ 0.05 million
Total securities $ 98.99 million
Federal funds sold and reverse repurchase $ 31.29 million
Net loans and leases $ 143.69 million
Loan loss allowance $ 1.81 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.05 million
Goodwill and other intangibles $ 0.41 million
All other assets $ 6.14 million
     Total Assets $ 266.08 million
LIABILITIES
Total deposits $ 264.41 million
      Interest-bearing deposits $ 187.17 million
      Deposits held in domestic offices $ 264.41 million
      % insured (estimated) 66.19%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.67 million
      Total Liabilities $ 266.08 million
      Shareholders’ Equity $ 24.66 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.35 million
Total Interest Expense $ 0.25 million
Net interest income $ 2.09 million
Provision for loan and lease losses $ 0.00 million
Total non interest income $ 1.41 million
Total non interest expense $ 1.75 million
Pre-tax Net Operating Income $ 1.75 million

Bank Loan Profile?

The top three loan types in Community Bank of Raymore’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Missouri, Community Bank of Raymore has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 7.78
Multifamily
Mortgages
0.13
Credit Card Loans 0.00
Consumer Auto Loans 0.45
Small Business Loans 0.00
Construction and Development Loans 1.17
Commercial Real Estate 62.67
Commercial and Industrial Loans 19.58
Farm Loans 0.00

Frequently Asked Questions About Community Bank Of Raymore

Branches and Savings

Is Community Bank Of Raymore FDIC insured?

Yes. It is covered under FDIC Certificate #22867.

Why does Community Bank Of Raymore pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Community Bank Of Raymore CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Community Bank Of Raymore a commercial bank?

Yes

Where are Community Bank Of Raymore locations?

See branch locations nearby.

Is Community Bank Of Raymore open on Saturdays?

Is Community Bank Of Raymore open on Sundays?

What time does Community Bank Of Raymore open?

What time does Community Bank Of Raymore close?

Are Community Bank Of Raymore ATMs Open 24/7?

Do Community Bank Of Raymore ATMs accept cash deposits?

Can Community Bank Of Raymore customers use other ATMs?

Do Community Bank Of Raymore branches have notaries?

Will Community Bank Of Raymore notarize my document?

What address for Community Bank Of Raymore should I put for incoming ACH transfers?

Will the Community Bank Of Raymore branch print checks?

Do Community Bank Of Raymore checks expire?

Does Community Bank Of Raymore require US citizenship to open account?

Can Community Bank Of Raymore close my account?

Does Community Bank Of Raymore Report to credit bureaus?

Does Community Bank Of Raymore Use Equifax?

What is Community Bank Of Raymore's ACH Routing Number?

What is Community Bank Of Raymore's SWIFT code?

Products

Does Community Bank Of Raymore offer mortgages?

Compare mortgage rates here.

Does Community Bank Of Raymore offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Community Bank Of Raymore offer personal loans?

Compare personal loan rates here.

Does Community Bank Of Raymore offer student loans?

Will Community Bank Of Raymore cash a check?

Will Community Bank Of Raymore redeem a savings bond?

Does Community Bank Of Raymore cash savings bonds?

Will Community Bank Of Raymore cash money orders?

Can Community Bank Of Raymore issue a money order?

Does Community Bank Of Raymore do currency exchange?

Background on The Bank

Who owns Community Bank Of Raymore?

How long has Community Bank Of Raymore been around?

Can Community Bank Of Raymore transfer to other banks?

Does Community Bank Of Raymore have quick pay?

Does Community Bank Of Raymore accept rolled coins?

Will Community Bank Of Raymore accept loose change?

Where is Community Bank Of Raymore headquarters?

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