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Bank of Iberia

Iberia, MO · Cert 8584 · Milco Bcorp Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MO3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in MO (n=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

63

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

20

Q2 2024Q2 2026peer median

Efficiency

10

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Iberia

Iberia, MO · Cert 8584 · Milco Bcorp Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$73.9MAssets
$41.2MLoans
$66.4MDeposits
$6.5MEquity
Loan mix
83%RE $34.1M7%C&I $2.7M10%Consumer $4.3MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $50.6M24%Noninterest $15.7MQ2 2025Q2 2026

NIM

5.03%Q2 ’245.51%Q2 ’255.56%Q2 ’26+10%+2%

Non-interest income vs. expense

3.88%Q2 ’243.96%Q2 ’254.19%Q2 ’26+3%+8%

Executive Summary

  • Earnings: ROA of 0.82%, down 4 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 0.48% of loans (-44 bps YoY), with net charge-offs at 0.15%.
  • Capital: tier 1 leverage ratio of 9.13%, up 16 bps from a year ago.
  • Funding: loans stand at 62.10% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.82%-4 bps YoY

Net Interest Margin (YTD, annualized)

4.66%+11 bps YoY

Efficiency Ratio (YTD, annualized)

80.19%+357 bps YoY

Tier 1 Leverage Ratio

9.13%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.90%0.81%0.92%0.82%-4 bps
Return on Equity10.47%10.69%9.51%10.48%9.34%-113 bps
Net Interest Margin4.55%4.56%4.58%4.66%4.66%+11 bps
Efficiency Ratio76.62%77.11%79.80%77.67%80.19%+357 bps
Non-Interest Burden3.34%3.38%3.54%3.48%3.62%+28 bps
Growth
Asset Growth (YoY)3.47%5.22%4.90%4.37%5.43%+195 bps
Loan Growth (YoY)4.16%2.45%3.16%3.65%-2.20%-636 bps
Deposit Growth (YoY)2.60%4.60%4.08%3.71%5.06%+246 bps
Asset Quality
Nonperforming Loans / Loans0.91%0.65%0.79%0.37%0.48%-44 bps
Net Charge-Offs / Loans0.39%0.27%0.23%0.24%0.15%-25 bps
Allowance / Loans1.23%1.21%1.20%1.13%1.17%-6 bps
Allowance Coverage of NPLs1.3x1.9x1.5x3.1x2.5x+1.1x
Capital
Tier 1 Leverage Ratio8.97%9.06%9.08%9.18%9.13%+16 bps
Total Risk-Based Capital16.29%16.78%16.89%16.86%17.33%+104 bps
Equity / Assets8.43%8.76%8.88%8.74%8.77%+34 bps
Liquidity & Funding
Loans / Deposits66.70%67.29%66.74%65.46%62.10%-461 bps
Liquid Assets / Assets3.23%2.47%4.28%4.16%4.08%+85 bps
CRE / Total Capitaln/a164.23%170.16%173.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Iberia

Iberia, MO · Cert 8584 · Peer group: banks under $1B in assets in MO (n=82-83) · Milco Bcorp Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$73.9MAssets
$41.2MLoans
$66.4MDeposits
$6.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 86% of banks under $1B in assets in MO (rank 12 of 83).
  • Widest gap: efficiency ratio trails 90% of banks under $1B in assets in MO (rank 76 of 83).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.80%

Rank 70 of 83

Net Interest Margin

4.66%

Rank 12 of 83

Efficiency Ratio

80.19%

Rank 76 of 83

Equity / Assets

8.77%

Rank 64 of 83

Non-interest income vs. expense

$0.4M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 10% of banks under $1B in assets in MO
Bank 80.19%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.80%0.96%1.32%1.75%Beats 16%70 / 83
Return on Equity9.17%9.66%12.96%15.76%Beats 22%65 / 83
Net Interest Margin4.66%3.35%3.85%4.16%Beats 86%12 / 83
Efficiency Ratio80.19%49.83%58.83%68.51%Beats 10%76 / 83
Asset Quality
Nonperforming Loans / Loans0.48%0.08%0.51%1.01%Beats 52%40 / 82
Net Charge-Offs / Loans0.08%0.00%0.01%0.06%Beats 22%65 / 82
Capital
Tier 1 Capital Ratio16.16%11.01%12.49%14.98%Beats 82%15 / 83
Total Risk-Based Capital Ratio17.33%11.13%13.01%15.10%Beats 83%14 / 83
Equity / Assets8.77%8.83%10.71%13.29%Beats 23%64 / 83
Liquidity & Funding
Loans / Deposits62.10%69.28%83.22%91.21%15th pctl70 / 82
Loans / Assets55.74%59.34%71.15%78.36%14th pctl71 / 83
Brokered Deposits / Depositsn/aNot reported for this institution