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
Unfavorable gap of $2.7M · efficiency ratio beats 10% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.96% | 1.32% | 1.75% | Beats 16% | 70 / 83 | |
| Return on Equity | 9.17% | 9.66% | 12.96% | 15.76% | Beats 22% | 65 / 83 | |
| Net Interest Margin | 4.66% | 3.35% | 3.85% | 4.16% | Beats 86% | 12 / 83 | |
| Efficiency Ratio | 80.19% | 49.83% | 58.83% | 68.51% | Beats 10% | 76 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.08% | 0.51% | 1.01% | Beats 52% | 40 / 82 | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.01% | 0.06% | Beats 22% | 65 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 16.16% | 11.01% | 12.49% | 14.98% | Beats 82% | 15 / 83 | |
| Total Risk-Based Capital Ratio | 17.33% | 11.13% | 13.01% | 15.10% | Beats 83% | 14 / 83 | |
| Equity / Assets | 8.77% | 8.83% | 10.71% | 13.29% | Beats 23% | 64 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 62.10% | 69.28% | 83.22% | 91.21% | 15th pctl | 70 / 82 | |
| Loans / Assets | 55.74% | 59.34% | 71.15% | 78.36% | 14th pctl | 71 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |