# INVESTORS COMMUNITY BANK
CHILLICOTHE, MO · FDIC certificate 29093 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $98.5M | |
| Deposits | $87.1M | |
| Loans and leases | $51.7M | |
| Total equity | $11.0M | |
| Loans / deposits | 58.52% (p28 of band) | 73.59% |
| Liquid assets / assets | 41.26% (p65 of band) | |
| Uninsured deposits / deposits | 40.51% (p93 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.01% (p46 of band) | |
| FHLB advances / assets | 0.01% | |
| Tier 1 leverage | 11.13% (p41 of band) | 11.76% |
| Unrealized securities loss / equity | -16.93% (p27 of band) | -6.57% |
| AOCI / equity | -1.09% (p26 of band) | |
| ROA (annualized) | 0.73% (p27 of band) | 1.17% |
| Net interest margin | 3.25% (p20 of band) | 3.93% |
| Efficiency ratio | 70.41% (p61 of band) | |
| Noncurrent loans | 0.62% (p60 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p65 of band) | |
| Reserve coverage of noncurrent | 219.00% | |
| Real estate % of loans | 49% | |
| Construction % of loans | 3.27% (p26 of band) | |
| Auto loans | $1.8M (3.45% of loans; DQ 7.68%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.9% | |
| Employees | 13 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | wholesale funding >15% |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 2 | brokered >10%, wholesale funding >15% |  |
| 2013-03 | 4 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-06 | 2 |  | reserve under noncurrent, uninsured deposits leaving |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | brokered >10% |
| 2014-03 | 1 | capital falling | wholesale funding >15% |
| 2014-06 | 1 | wholesale funding >15% | capital falling |
| 2014-09 | 2 | brokered >10% |  |
| 2014-12 | 3 | uninsured deposits leaving |  |
| 2015-03 | 1 |  | wholesale funding >15%, uninsured deposits leaving |
| 2015-06 | 2 | wholesale funding >15% |  |
| 2015-09 | 0 |  | brokered >10%, wholesale funding >15% |
| 2015-12 | 1 | brokered >10% |  |
| 2016-03 | 0 |  | brokered >10% |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | brokered >10% |  |
| 2017-06 | 0 |  | brokered >10% |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | assets shrinking |  |
| 2018-12 | 1 | deposits shrinking | assets shrinking |
| 2019-03 | 0 |  | deposits shrinking |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 3 | capital falling, NIM <2.5%, reserve under noncurrent |  |
| 2022-03 | 3 | AOCI drag >20% of equity | reserve under noncurrent |
| 2022-06 | 3 | securities losses >30% of equity | NIM <2.5% |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 3 | deposits shrinking, assets shrinking |  |
| 2024-03 | 3 | NIM <2.5%, uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2024-06 | 4 | capital falling, deposits shrinking | uninsured deposits leaving |
| 2024-09 | 1 |  | securities losses >30% of equity, capital falling, deposits shrinking |
| 2024-12 | 3 | brokered >10%, wholesale funding >15%, securities losses >30% of equity | NIM <2.5% |
| 2025-03 | 2 | capital falling | brokered >10%, wholesale funding >15% |
| 2025-06 | 0 |  | securities losses >30% of equity, capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | uninsured deposits >50%, capital falling |  |
| 2026-03 | 1 |  | uninsured deposits >50% |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-07-12 [Nicolet National Bank acquires Community Investors Bank - Brownfield Ag News](https://news.google.com/rss/articles/CBMimgFBVV95cUxQb0g5T2c0WlNtcUpZM3JOdjNYVXZjUF9na3dwYXp6dHJKVHRRZ1A2dG8yNzg5WjFNalpLdlBDZTE1aVVERmE4ZV9FSFFxblRKMUFnUV8zalNRNlJzRmRUYV9YZUVkZWx5UndCRjJQNEE5RWZWSUN5dkNhUmdfMmRoZWhKT3F1Q0NSX2d0cmxhdkxxWTdTdHJERGh3?oc=5) · Brownfield Ag News
- 2021-06-22 [Nicolet National Bank to expand agriculture lending with acquisition of Manitowoc's Investors Community Bank - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPakNmQUlPT0dkUjItb1AtMG03VmJfck9NZ3NXOG82blFvSDNqMEJBcW01UFBDSlpfMndvNUl0TjE0U0hOZV9UdW9CTWxoMkF4QW9xY2xqdXp5UnZaVC02MTFpUXdjZTRUZUltOHBxcm5SRHF1cVRQN1Z6MVhCUlpmb1JUWkg2RHQyWmQxNEY5N21hdkxiZXBxcFZyUno2SDFTM3pVdmM2ejc2R1I0WS1xSWtQZ2owcDNkM2NqcUVEbl95cUN6NG5XTlBBNHJ4aDhlVUFr?oc=5) · Green Bay Press-Gazette
- 2025-06-21 [Brian Englert Obituary Jun 21, 2025 - Lindley Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTE00Ulp2ZC14OFp6ZDdWZC1wNnBxNldtalRzWmVBY0FhY2Yya3VwUWhiRU1wMXFULTNOOXh5NU1Xd0pVTjRpRHVWdk1jMlVQcU52V2hueVNaQ0xpaHozZG56bXVJcDdBanJKc3JN?oc=5) · Lindley Funeral Homes
- 2023-08-13 [Compeer Financial launches third rural business investment company - Feedstuffs](https://news.google.com/rss/articles/CBMisAFBVV95cUxNRWF6NWFIdjctRktSdEx6SC11T3R3b3VzWjZIU0taUURucDlJdmN5c29vN25VS0JNaTBoRnlKNGxBYnhYRGU1LVlZN0t0Rjd6WEZOT2ZnUmVFZHM5aWgzZS1NZzZ6VEVtT1VfdUVQRThyRnNsZjRiSWF5YzJBSm9LQjQ1RjBnRmtpbWlBREd3d0VoTnJuR0dSWWdBTGxSVHN3UjZWR2tPMmF6Tm5jY0RRTg?oc=5) · Feedstuffs
- 2017-05-11 [Senior awards top $1 million - The Holland Sentinel](https://news.google.com/rss/articles/CBMimgFBVV95cUxOZEtmandEaGo2eGpBZjh2Q1JTdHYzRnhocVhpSVhaNkw5UVdJWmk4Q3lpbGg5SFZHdDhpQ21VNzRGNm9kX2tsZmpkaDIzOFBIODVlcEI0R0FKa2xkcF9kNkRKN0VjU05qbGhBYUdnWXhIYlRRTEVYcjQ4RENSelRCSktpOVE0ODM3SUVjektxWUlqQko2LW1idmtB?oc=5) · The Holland Sentinel
- 2017-03-29 [Chillicothe City Council approves employment of administrative assistant - KTTN](https://news.google.com/rss/articles/CBMimgFBVV95cUxPVURJY1Q0QnBJc1RqR3k4ZVdNNmJBeHplc0hvTFVmZXI2eHVjeTNvNzVLLVhOTjg2YXcyYnNpZGRGZFNqNjBLR2JCanJDU2JpTGU2UXlQZVFhQTFhbk1ldFZmWnpWVXFFaTBVQjlyVDJBTldZUFhoWnByazd6VWx0c3NNcUdubkFVY3VicHFqQzF5dTVmLXRyYnZn?oc=5) · KTTN
- 2019-07-05 [Manitowoc business news: Steimle Birschbach law firm opens Sheboygan location - Herald Times Reporter](https://news.google.com/rss/articles/CBMizgFBVV95cUxOTWx1dTVNOE02Mmx2QnZaR2xRbEpfVlZfZENlbWdJVEpvQ1ZvLXJPd1VFNTIzcy13NU9XcXNZa0h4STlPWXZOQmdwR2tZVjlZRkhrZk1JV08xVWRycTE5VnpWeS1uazVkUnM4Vkl4V3FNU0t5V0VaTU9wNE1SQmFNYlNMc2NOY25KV2Q4QVg0cmN3N1dsc09oMG1nLW1oQzZUNHBwdXhySjN5UHpHSjdTUndybkFXc2hhamhWS21RXzd4eU0zTFpySl9hSnN1QQ?oc=5) · Herald Times Reporter
- 2026-05-01 [KCHI Presents Awards And Scholarships To Chillicothe Seniors - KCHI](https://news.google.com/rss/articles/CBMilAFBVV95cUxNUHpEMVVYSTJ1eFpaNHdMbklzT1NBUzh0R2xLV3MybWc2bzF5TUM0ZEw3TG5vMW1EV1hDVGJTck5jR210S3hSYzZfbzIyQVdSYjlOTm9fTnFOOU91V1AweXpEMW1JNGJwY09nek9BbHpqSVVmd29OMWdDQUtrM19TVDhLQWJpeHJhVXM5QmFHSDMyeVVv?oc=5) · KCHI

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29093 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/37.json (key "29093", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide