# COMMUNITY BANK OF RAYMORE
RAYMORE, MO · FDIC certificate 22867 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $346.9M | |
| Deposits | $331.0M | |
| Loans and leases | $126.0M | |
| Total equity | $13.9M | |
| Loans / deposits | 37.93% (p3 of band) | 82.04% |
| Liquid assets / assets | 60.57% (p97 of band) | |
| Uninsured deposits / deposits | 34.73% (p78 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.70% (p27 of band) | 10.81% |
| Unrealized securities loss / equity | -162.43% (p0 of band) | -8.10% |
| AOCI / equity | -9.15% (p0 of band) | |
| ROA (annualized) | 1.79% (p80 of band) | 1.28% |
| Net interest margin | 2.97% (p9 of band) | 3.91% |
| Efficiency ratio | 59.76% (p45 of band) | |
| Noncurrent loans | 0.05% (p18 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p53 of band) | |
| Reserve coverage of noncurrent | 806.56% | |
| Real estate % of loans | 42% | |
| Construction % of loans | 7.84% (p12 of band) | |
| Auto loans | $950,000 (0.75% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $7.0M (51% of equity) (p99 of band) | |
| Deposits YoY | -8.6% | |
| Employees | 42 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 1 | leverage <7% |  |
| 2021-03 | 2 | AOCI drag >20% of equity |  |
| 2021-06 | 1 |  | AOCI drag >20% of equity |
| 2021-09 | 1 |  |  |
| 2021-12 | 3 | AOCI drag >20% of equity, NIM <2.5% |  |
| 2022-03 | 5 | securities losses >30% of equity, loans-to-lenders >50% equity |  |
| 2022-06 | 2 |  | AOCI drag >20% of equity, securities losses >30% of equity, loans-to-lenders >50% equity |
| 2022-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-12 | 4 |  | leverage <7% |
| 2023-03 | 4 |  |  |
| 2023-06 | 3 |  | NIM <2.5% |
| 2023-09 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 | securities losses >30% of equity, construction >100% equity | deposits shrinking, assets shrinking |
| 2024-09 | 2 |  | construction >100% equity |
| 2024-12 | 3 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2025-03 | 2 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2025-06 | 2 | charge-offs p90 | reserve under noncurrent |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | charge-offs p90 |
| 2026-06 | 5 | loans-to-lenders >50% equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-03-24 [United States Supreme Court Splits 4-4 on Spousal Guarantor ECOA Discrimination Claim - jdsupra.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQaG5tTDN5dXVueDhiSUlidmRqSWZka2dTMnVWQW5CUU1TNHdDUTlDVnhxdU5uTzd4dE9NWkZLaERlVFVuaGdfMDdpenlBWTJZTk1DUE85X2VJWU5qeWdtb2tObDFncTZoTV9JY2JYZ21aNGVmSEszNGtHeHBadjNoeFhXVk94UQ?oc=5) · jdsupra.com
- 2018-04-30 [Litigation Practitioner: Greer S. Lang - Missouri Lawyers Media](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTjZlY2ZGcTFhZHJkSjJUVHZGNGdsYy1OQ2RjNUJzeTg0U0gtV0JIZklWNnRkZXF2T2J5R2pkNnVoVG9HTDdwNFpxS3VvSEhoNlZEeFhtRTVva0tpTDdJaksyV3ltc3U0MllzV0xhUWJIUDNwYVdpUHNpeFpUTkxLcw?oc=5) · Missouri Lawyers Media
- 2022-05-13 [Jack Alan Wagner, Age: 73 - porterfuneralhome.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5EZUY0LUVpR2lxYnMtZ2dDVHZrMk1INFhQZGFLVXpLM2VKbzM4NzhIWGdidTIwVk1PWVNrQ3NCZG1JdkdoamM3YW1fNWk0Snh5TklJYTBEMUhKdFZ4a2VKVUZ2NGdDc01GTUtVRjEtVTI?oc=5) · porterfuneralhome.com
- 2018-01-04 [New tenant slated for Ryan's steakhouse building in Hixson - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMimgFBVV95cUxNdUNYX2tiandtU0NXTEJtYWRQY1NpNzhxa2JLWjhzQVNGclNlQjFzNEIxd241Z2FnbXpEQmRlaXNxNVZ0VFAybE9IN2ZrMHJteFg3VGJtaVFIc1lHN1RnS0RUdnVsSU83TG5UYzBHdk9lRjN6M2xqTEZyN2p2bXBOSFZfY1FLZll3LWozRlRSVGpVTmU5SDZ4cHZR?oc=5) · Chattanooga Times Free Press
- 2015-11-14 [Answer Man: Why is there still a Shoney's sign when restaurant is long gone? - Springfield News-Leader](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPQXV4Xy1ESXZ6Ml94cWtXRDg2M1ozcGRaSmoydk91aTFuaHN3b19QQ3FPSW0xbVVuTEtnVWdLWEdBejJMMTJLVHY4bjNGem1TOEZYZVdpbzJ6MGZMWmRDT3d4TXJwZUdnUEx6N2tFbWdxTWNDVEhNTThoMDF1dFZQUEQ3UHF6S0tHTzRvbGxaN2g3di1DanBKTkFXQmx2Wkh0Z21YMjRNVnZPRVZYMkl6ejlsUzdDbjc4Y1FkNVN2YURhX1pDcnllaGNLbEFOZHNGcnlOTg?oc=5) · Springfield News-Leader
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2003-02-13 [Janice Bray Obituary (2003) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPZ29TYnduTWhnalVNLTQxT09manpHSXlyY1A5dFRKTUc1OW5qZ1pYM1RZcjQ1SkdCMUN6UElQOHBuV01PWUgwa2xmazYzQlVZYmVRbVBWa0xIV2k2OGtrbWN2MHdFVDNEOVZfem95VXE3bWtVY19sZUZVdmdPUW0wMWZaTnZZYjRwX3EwMA?oc=5) · legacy.com
- 2010-08-07 [TERESA JONES Obituary (2010) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQN29INFJQVV9uZkF4aDljNkpKY3RBMVUzRXdhOUlienNkT0RadTFDYTJIb3hXb3kxWUlPV0gwN3RLRWthcms0RmZuQ1UwWkR6WWhTd2VyZ19VNVNNV1lrcFgzZ3d4a3NzM3Jxbk1UUUlwZ1N0ajM5ZFpxZFBZWXI0T0U5dlp5STZNa3hQTmF3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22867 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "22867", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide