Investors Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Investors Community Bank of Chillicothe, MO against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.61% | 3.14% | -2.53% | 31st below |
| ROAE | 5.71% | 10.31% | -4.60% | 34th below |
| Net Interest Margin | 3.32% | 3.94% | -0.62% | 24th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 73.27% | 76.32% | -3.05% | 44th below |
| PPNR / Avg Assets | 0.77% | 1.40% | -0.63% | 30th below |
| Yield on Earning Assets | 5.21% | 5.35% | -0.14% | 49th below |
| Cost of Funds | 2.03% | 1.70% | +0.33% | 28th below |
| Net Interest Spread | 2.87% | 3.32% | -0.45% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.62% | 1.34% | -0.72% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.33% | 0.71% | -0.38% | 40th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.10% | -0.06% | 21st bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.36% | 1.49% | -0.13% | 61st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 219.00% | 867.78% | -648.78% | 61st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.08% | 8.28% | -5.20% | 45th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 180.00% | 290.70% | -110.70% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.13% | 17.66% | -6.53% | 29th below |
| Equity / Assets | 11.20% | 16.46% | -5.26% | 38th below |
| TCE / Tangible Assets | 10.01% | 16.21% | -6.20% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.32% | 72.87% | -13.55% | 61st above |
| Core Deposit Ratio | 96.17% | 88.25% | +7.92% | 77th top |
| Wholesale Funding Ratio | 0.01% | 5.22% | -5.21% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.39% | 4.26% | -0.87% | 55th above |
| Loan Growth (Y/Y) | 11.31% | 6.74% | +4.57% | 80th top |
| Deposit Growth (Y/Y) | 13.90% | 3.69% | +10.21% | 92nd top |
See Investors Community Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Investors Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Investors Community Bank profile, how to read a UBPR, or how this data updates.