TellerScore

Headquartered in Chillicothe, Missouri, Investors Community Bank is a state-chartered bank (fed member) with $98.5M in total assets and $87.1M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1934.

Investors Community Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 546 banks with under $100 million in assets. Among 194 banks headquartered in Missouri, it ranks 125th. Problem-loan coverage contributes the most (95/100, 2.7%); earnings contributes the least (49/100, 0.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Tier 1 leverage ratio: 11.13%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.62%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 58.5% · 40.5% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.74%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (70 → 68), mostly because the funding & liquidity component weakened by 12 points.

TellerScore
646974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202470
Q1 202571
Q2 202570
Q3 202569
Q4 202564
Q1 202667
Q2 202668
Tier 1 leverage ratio
5.00%8.23%11.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.20%
Q3 202411.46%
Q4 202411.28%
Q1 202510.94%
Q2 202511.20%
Q3 202511.14%
Q4 202510.37%
Q1 202610.37%
Q2 202611.13%
Noncurrent loans
0.12%0.44%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.16%
Q3 20240.12%
Q4 20240.52%
Q1 20250.44%
Q2 20250.76%
Q3 20250.42%
Q4 20250.73%
Q1 20260.58%
Q2 20260.62%
Return on assets
0.34%0.59%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.44%
Q4 20240.51%
Q1 20250.70%
Q2 20250.84%
Q3 20250.79%
Q4 20250.80%
Q1 20260.85%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$98.5M11.13%0.62%0.73%58.5%
Q1 202667$102.1M10.37%0.58%0.85%58.6%
Q4 202564$113.7M10.37%0.73%0.80%52.3%
Q3 202569$114.3M11.14%0.42%0.79%44.6%
Q2 202570$95.2M11.20%0.76%0.84%59.9%
Q1 202571$93.7M10.94%0.44%0.70%53.6%
Q4 202470$96.0M11.28%0.52%0.51%53.1%
Q3 202474$94.4M11.46%0.12%0.44%56.2%
Q2 202473$94.4M11.20%0.16%0.34%53.2%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.13%
30th
Total risk-based capital0.00%
27th
Problem loans0.62%
43rd
Net charge-offs0.02%
29th
Return on assets0.73%
38th
Net interest margin3.25%
22nd
Efficiency ratio70.4%
51st
Loans to deposits58.5%
61st
Uninsured deposits40.5%
7th
Loan-loss reserves1.36%
62nd
Texas ratio2.7%
47th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Silex Banking CompanyBank Silex, MO81 out of 100, Strong$98.2M14.7%0.91%vs
United Security BankBank Fulton, MO85 out of 100, Very strong$97.2M13.4%0.00%vs
Community Bank of MissouriBank Richmond, MO74 out of 100, Strong$94.1M13.9%1.98%vs
Flat Branch BankBank Richmond, MO71 out of 100, Strong$92.8M12.6%0.00%vs
Paramount BankBank Hazelwood, MO55 out of 100, Moderate$86.6M10.9%0.55%vs
Peoples Bank of Moniteau CountyBank Jamestown, MO75 out of 100, Strong$83.2M11.1%0.72%vs

Deposit insurance

Is my money safe at Investors Community Bank?

Yes. Investors Community Bank is an FDIC-insured institution (FDIC certificate #29093). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.5% of deposits ($35.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.13%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Investors Community Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Investors Community Bank
Former names
Investors Federal Bank and Savings Association; Investors Federal Bank, National Association; Investors National Bank; Investors Federal Savings and Loan Association
Type
State-chartered bank (Fed member)
FDIC certificate #
29093
RSSD ID
809379
Primary regulator
FED
Holding company
Grey Mountain Holdings Inc
Established
August 1, 1934
Headquarters
522 Washington St, Chillicothe, MO 64601
Employees
13

Quick answers

Investors Community Bank: common questions

Is Investors Community Bank FDIC insured?

Yes. Investors Community Bank is an FDIC-insured institution (FDIC certificate #29093). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Investors Community Bank's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Investors Community Bank ever failed?

There is no failure record for FDIC certificate #29093 in the FDIC failed bank list.

How many branches does Investors Community Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Chillicothe

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Bank of Northern MissouriBank Unionville, MO83 out of 100, Strong$566.5M12.7%0.26%vs
Bank of Brookfield - Purdin, National AssociationBank Brookfield, MO76 out of 100, Strong$116.7M11.1%0.00%vs
Pony Express BankBank Braymer, MO76 out of 100, Strong$399.5M10.2%0.17%vs
Hawthorn BankBank Jefferson City, MO75 out of 100, Strong$1.8B11.3%0.47%vs
The Hamilton BankBank Hamilton, MO74 out of 100, Strong$119.8M9.3%0.47%vs
Southern BankBank Poplar Bluff, MO70 out of 100, Strong$5.2B10.4%0.63%vs