Investors Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Investors Community Bank is an FDIC-insured commercial bank headquartered in Chillicothe, MO, established in 1934 (FDIC certificate 29093), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $98.5M, up 3.4% from Q2 2025, the 175th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.13% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 29093
- Headquarters
- Chillicothe, MO
- Established
- 1934
- Total assets, Q2 2026
- $98.5M
- Assets vs Q2 2025
- +3.4%
- Tier 1 leverage ratio, Q2 2026
- 11.13%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 301271512
- Latest call report
- Q2 2026, FFIEC 051 · Investors Community Bank call report
- Holding company
- GM ACQUISITION SUB, INC.
- Asset rank in state
- 175th of 191 in Missouri
Investors Community Bank, based in Chillicothe, Missouri, reported $98 million in assets at June 30, 2026, up 3.4% from a year earlier. It grew deposits 13.9% over the year, 5.6 times the median of 2.5% for the 583 banks with less than $100 million in assets. It also keeps 3.32 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
Earnings fell sharply: quarterly net income of $155,000 was 34% below a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.62% of loans, down from 0.76% a year earlier.
As of June 30, 2026, Investors Community Bank reported a return on assets of 0.61%, a nonperforming-loan ratio of 0.62% and a Texas ratio of 3.08%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Investors Community Bank is the 175th largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets fell 3.6% to $98.5M, loans fell 4.4% and deposits fell 4.4%. Commercial and industrial loans made up 43.7% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 30.0%. Its 2 offices in the FDIC Summary of Deposits are in Chillicothe, MO and Columbia, MO; its Chillicothe office books 91% of its branch deposits. By the capital ratios in its Q2 2026 call report, Investors Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 522 Washington St, Chillicothe, MO 64601
- County
- Livingston
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 1, 1934
- Former names
- Investors National Bank (2001-2014); Investors Federal Bank, National Association (1997-2001); Investors Federal Bank and Savings Association (1988-1997)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $87.1M
- Allowance for credit losses
- $703K
- Net charge-offs (YTD)
- $5K
- Average total assets
- $102.0M
- Average total loans
- $52.9M
- Average interest-bearing deposits
- $80.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29093
- Fed RSSD
- 809379
- Website
- www.my-investors.com →
- Parent Holding Company
- GM ACQUISITION SUB, INC. (RSSD 2508144)
- Ultimate Parent
- GREY MOUNTAIN HOLDINGS, INC. (RSSD 5561748)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Investors Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Investors Community Bank's total assets ran between $87.9M (Q3 2023) and $114.3M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$98.5M total assets against $95.2M; $87.4M total liabilities against $85.3M.
$51.0M net loans and leases against $45.8M; $87.1M total deposits against $76.5M.
$36.0M securities against $41.6M; $4.7M cash and balances due against $2.9M.
$1.2M total interest income against $1.1M; $460K total interest expense against $463K.
$774K net interest income against $674K.
$54K total noninterest income against $39K; $632K total noninterest expense against $427K.
$0 provision for credit losses against $7K.
$155K net income against $235K.
0.61% return on assets against 0.96%; 3.32% net interest margin against 3.07%.
11.13% tier 1 leverage ratio against 11.20%.
Inside the full Investors Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.61% (Q2 2026) to 0.96% (Q2 2025) and its net interest margin ran from 2.89% (Q3 2024) to 3.32% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.13% | 0.61% | 0.62% | 3.08% | 3.32% |
| Q1 2026 | 10.37% | 0.84% | 0.58% | 3.09% | 3.24% |
| Q4 2025 | 10.37% | 0.85% | 0.73% | 3.90% | 3.24% |
| Q3 2025 | 11.14% | 0.77% | 0.42% | 1.97% | 2.97% |
| Q2 2025 | 11.20% | 0.96% | 0.76% | 3.85% | 3.07% |
| Q1 2025 | 10.94% | 0.67% | 0.44% | 2.35% | 2.96% |
| Q4 2024 | 11.28% | 0.73% | 0.52% | 2.80% | 2.95% |
| Q3 2024 | 11.46% | 0.64% | 0.12% | 0.56% | 2.89% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Investors Community Bank (main office) | Chillicothe , MO | 64601 | $79.1M |
| Columbia Branch | Columbia , MO | 65201 | $8.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- July 9, 1991, OCC (former OTS): Supervisory Agreement: Investors Federal Bank and Savings Association
- Period: Most recent institution action July 9, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MO, rank 205 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Investors Community Bank
What are Investors Community Bank's total assets?
As of the Q2 2026 filing, Investors Community Bank reported total assets of $98.5 million in its FFIEC call report.
Where is Investors Community Bank headquartered?
It is headquartered in Chillicothe, MO, United States.
When was Investors Community Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Investors Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29093). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Investors Community Bank?
Investors Community Bank's primary federal regulator is the Federal Reserve.
How many branches does Investors Community Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Investors Community Bank's Texas Ratio?
Its Texas Ratio is 3.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Investors Community Bank previously called?
The charter now named Investors Community Bank has also operated as Investors National Bank (2001-2014), Investors Federal Bank, National Association (1997-2001), Investors Federal Bank and Savings Association (1988-1997), per FDIC structure-change records.
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