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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