Investors Community Bank
Chillicothe, MO · Cert 29093 · Peer group: banks under $1B in assets in MO (n=82-83) · Grey Mountain Holdings Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
$98.5MAssets
$51.7MLoans
$87.1MDeposits
$11.0MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 64% of banks under $1B in assets in MO (rank 30 of 83).
- Widest gap: return on assets trails 87% of banks under $1B in assets in MO (rank 72 of 83).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.78%
Rank 72 of 83
Net Interest Margin
3.13%
Rank 71 of 83
Efficiency Ratio
70.41%
Rank 66 of 83
Equity / Assets
11.20%
Rank 30 of 83
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 22% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.96% | 1.32% | 1.75% | Beats 13% | 72 / 83 | |
| Return on Equity | 6.95% | 9.66% | 12.96% | 15.76% | Beats 14% | 71 / 83 | |
| Net Interest Margin | 3.13% | 3.35% | 3.85% | 4.16% | Beats 14% | 71 / 83 | |
| Efficiency Ratio | 70.41% | 49.83% | 58.83% | 68.51% | Beats 22% | 66 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.08% | 0.51% | 1.01% | Beats 43% | 48 / 82 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 61% | 34 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 11.13% | 11.01% | 12.49% | 14.98% | Beats 29% | 59 / 83 | |
| Total Risk-Based Capital Ratio | 11.13% | 11.13% | 13.01% | 15.10% | Beats 24% | 63 / 83 | |
| Equity / Assets | 11.20% | 8.83% | 10.71% | 13.29% | Beats 64% | 30 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 59.32% | 69.28% | 83.22% | 91.21% | 11th pctl | 73 / 82 | |
| Loans / Assets | 52.48% | 59.34% | 71.15% | 78.36% | 13th pctl | 72 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |