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Letter portraitLegal landscapeQuarterYTD

Investors Community Bank

Chillicothe, MO · Cert 29093 · Grey Mountain Holdings Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$98.5MAssets
$51.7MLoans
$87.1MDeposits
$11.0MEquity
Loan mix
51%RE $27.1M43%C&I $23.2M6%Consumer $3.2MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $76.9M12%Noninterest $10.2MQ2 2025Q2 2026

NIM

4.05%Q2 ’244.56%Q2 ’254.92%Q2 ’26+24%+15%

Non-interest income vs. expense

1.76%Q2 ’241.85%Q2 ’252.31%Q2 ’26+6%+25%

Market Position · Columbia, MO · 2026 SOD (annual) · 0.1% share · #29 of 29 inst. · $0.0B of $6.7B

14.6% Livingston
0.1% Boone

Executive Summary

  • Earnings: ROA of 0.73%, down 11 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.62% of loans (-14 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.13%, down 7 bps from a year ago.
  • Funding: loans stand at 59.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+42 bps YoY

Efficiency Ratio (YTD, annualized)

70.41%+503 bps YoY

Tier 1 Leverage Ratio

11.13%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.79%0.80%0.85%0.73%-11 bps
Return on Equity8.40%8.03%8.14%8.47%7.06%-134 bps
Net Interest Margin2.72%2.69%2.65%3.01%3.13%+42 bps
Efficiency Ratio65.39%65.54%61.57%64.62%70.41%+503 bps
Non-Interest Burden1.70%1.69%1.56%1.87%2.12%+43 bps
Growth
Asset Growth (YoY)0.87%21.10%18.38%9.04%3.39%+252 bps
Loan Growth (YoY)11.21%6.95%21.20%18.42%11.31%+10 bps
Deposit Growth (YoY)-1.18%34.88%23.12%8.38%13.90%+1,508 bps
Asset Quality
Nonperforming Loans / Loans0.76%0.42%0.73%0.58%0.62%-14 bps
Net Charge-Offs / Loans0.03%0.06%0.07%0.00%0.02%-1 bps
Allowance / Loans1.32%1.28%1.29%1.31%1.36%+4 bps
Allowance Coverage of NPLs1.7x3.0x1.8x2.3x2.2x+0.5x
Capital
Tier 1 Leverage Ratio11.20%11.14%10.37%10.37%11.13%-7 bps
Total Risk-Based Capital11.20%11.14%10.37%10.37%11.13%-7 bps
Equity / Assets10.49%9.39%9.53%10.47%11.20%+71 bps
Liquidity & Funding
Loans / Deposits60.70%45.17%52.96%59.34%59.32%-138 bps
Liquid Assets / Assets1.09%18.62%11.81%4.88%3.97%+288 bps
CRE / Total Capitaln/a90.67%83.55%84.40%n/an/a