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Community Bank Of Raymore

IDRSSD: 716851
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2025-Q2QoQ +5

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #716851 2025-Q2 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.72% of loans.
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.48% of loans.

What changed this quarter

Compared to Q1 2025:
↑ +5 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -12
  • Reserves
    ↑ +39

The five pillars

Liquidity

StrongQoQ +11
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 31.8%, cash 16.8% of assets.

Cash / Assets
16.78%
Loans / Deposits
31.82%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.33%
No watch items at this period.

Capitalization

StrongQoQ -1
95
Sub-score

Capital position is strong: Tier 1 RBC 25.34%, CET1 25.34%, leverage 8.92%.

Tier 1 RBC
25.34%
CET1
25.34%
Leverage
8.92%
No watch items at this period.

Asset Quality

StrongQoQ -12
83
Sub-score

Asset quality is strong: Adjusted NPL 0.07%, Texas Ratio 0.2%, NCO YTD 3.72%.

Adjusted NPL
0.07%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
3.72%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.72% of loans.

Reserves

StableQoQ +39
67
Sub-score

Reserves are stable: ALLL 0.48% of loans, coverage 719.5%, true coverage 719.5%.

ALLL / Loans
0.48%
Coverage
719.5%
True Loss Coverage
719.5%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.48% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-15 08:08:32 UTC