Investors Community Bank: how it compares with its peers
Against 65 MO banks with half to twice its assets, Investors Community Bank's strongest measure in Q2 2026 is assets per employee ($7.6M vs. a $5.9M peer median). Its weakest relative measure is net interest margin (3.25% vs. 4.01%).
| Measure | Investors Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.73% | 1.24% | Bottom third Ahead of 12% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.25% | 4.01% | Bottom third Ahead of 9% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.41% | 62.64% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $5.9M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.52% | 73.45% | Context |
What it means for lending operations
Its efficiency ratio of 70.41% is above the 62.64% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Silex Banking Company Silex, MO · $98M
- United Security Bank Fulton, MO · $97M
- West Plains Savings and Loan Association West Plains, MO · $101M
- Community Bank of Missouri Richmond, MO · $94M
- Flat Branch Bank Richmond, MO · $93M
Questions about Investors Community Bank
How big is Investors Community Bank?
Investors Community Bank, established in 1934, is headquartered in Chillicothe, MO. It reported $98M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Investors Community Bank's return on assets?
0.73% annualized in Q2 2026, against a 1.24% median for 65 MO banks with half to twice its assets, ahead of 12% of them.
What is Investors Community Bank's efficiency ratio?
70.41% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 62.64%, and lower is better.
Is Investors Community Bank growing its loans?
Net loans grew 11.3% over the year to Q2 2026, while deposits grew 13.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.