This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Richmond, MO
Health score
90.3
Total assets
$94.1M
Bank
Chillicothe, MO
Health score
68.4
Total assets
$98.5M
Answer first
Community Bank of Missouri leads on financial health and capitalization and profitability and growth; Investors Community Bank leads on lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Community Bank of Missouri
Higher TFS health score
Capitalization
Community Bank of Missouri
Higher comparable capital ratio
Profitability
Community Bank of Missouri
Higher return on assets
Lending quality
Investors Community Bank
Lower problem-loan measure
Growth
Community Bank of Missouri
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Community Bank of Missouri | Investors Community Bank |
|---|---|---|
| TFS health score | 90.3/100Leads | 68.4/100 |
| Total assets | $94.1M | $98.5M |
| Total deposits / shares | $80.6M | $87.1M |
| Tier 1 capital ratio | 13.86%Leads | 11.13% |
| Return on assets | 1.83%Leads | 0.73% |
| Return on equity | 13.46%Leads |
Community Bank of Missouri
2 branches
Investors Community Bank
2 branches
Both institutions report branches in 1 state: MO.
Community Bank of Missouri
Unavailable
Investors Community Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Community Bank of Missouri
0 in TFS registry
Investors Community Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Community Bank of Missouri score | Community Bank of Missouri ROA | Investors Community Bank score | Investors Community Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.83% | — | 0.44% |
| 2024-Q4 | — | 1.65% | — | 0.51% |
| 2025-Q1 | — | 1.57% | — | 0.70% |
| 2025-Q2 | — | 1.69% | — | 0.84% |
| 2025-Q3 | — | 1.73% | — | 0.79% |
| 2025-Q4 | — | 1.49% | — | 0.79% |
| 2026-Q1 | 91.0/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| 7.06% |
| Non-performing loans | 1.98% | 0.62%Leads |
| Net charge-offs | 0.01%Leads | 0.02% |
| Efficiency ratio | 56.93%Leads | 70.41% |
| Loan-to-deposit ratio | 80.44% | 58.52% |
| Asset growth (YoY) | 4.26%Leads | 3.39% |
| Deposit / share growth (YoY) | 3.66% | 13.90%Leads |
| Branches | 2 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.78% |
| 68.9/100 |
| 0.85% |
| 2026-Q2 | 90.3/100 | 1.83% | 68.4/100 | 0.73% |