BlastPoint's Banking Scorecard
Investors Community Bank
Chillicothe, MO
2 branches across MO
Investors Community Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.67% below tier average
- + Delinquency Rate 0.30% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 9.6% in tier
- - Credit Quality Pressure: Bottom 33.9% in tier
- - ROA 0.42% below tier average
- - Net Interest Margin 0.72% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$102.1M
+9.0% YoY
-10.2% QoQ
|
-$284.0M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.9% in tier |
| Total Loans ? |
$53.3M
+18.4% YoY
-0.6% QoQ
|
-$202.4M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 3.6% in tier |
| Total Deposits ? |
$91.1M
+8.4% YoY
-11.3% QoQ
|
-$236.9M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.9% in tier |
| Return on Assets ? |
0.85%
+21.5% YoY
+6.2% QoQ
|
-0.42% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
28% |
| Net Interest Margin ? |
3.21%
+10.2% YoY
+9.4% QoQ
|
-0.72% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
64.62%
-9.3% YoY
+5.0% QoQ
|
-0.67% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
46% |
| Delinquency Rate ? |
0.58%
+29.8% YoY
-21.1% QoQ
|
-0.30% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
58.56%
+9.3% YoY
+12.0% QoQ
|
-18.08% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
11.61%
-26.0% YoY
-0.7% QoQ
|
-10.41% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.2% in tier |
| Nonperforming Asset Ratio ? |
0.31%
+41.0% YoY
-12.7% QoQ
|
-0.33% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
10.37%
-5.2% YoY
-0.0% QoQ
|
-5.46% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.7% in tier |
| Non-Interest Income / Assets ? |
0.04%
+4.1% YoY
-67.5% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.6% in tier |
Get Full Access to Investors Community Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.