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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

5.21%Q2 ’245.72%Q2 ’255.67%Q2 ’26+11%0%

Non-interest income vs. expense

3.95%Q2 ’244.11%Q2 ’254.37%Q2 ’26+6%+12%

Executive Summary

  • Earnings: ROA of 0.72%, down 16 bps year over year; NIM at 4.75%.
  • Asset quality: problem loans at 0.48% of loans (-44 bps YoY), with net charge-offs at 0.04%.
  • 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 (quarter, annualized)

0.72%-16 bps YoY

Net Interest Margin (quarter, annualized)

4.75%-2 bps YoY

Efficiency Ratio (quarter, annualized)

82.64%+736 bps YoY

Tier 1 Leverage Ratio

9.13%+16 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.96%0.54%0.92%0.72%-16 bps
Return on Equity10.62%11.13%6.12%10.48%8.24%-238 bps
Net Interest Margin4.78%4.69%4.73%4.66%4.75%-2 bps
Efficiency Ratio75.29%78.06%87.63%77.67%82.64%+736 bps
Non-Interest Burden3.43%3.54%4.08%3.48%3.84%+41 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 / Loans0.79%0.03%0.09%0.24%0.04%-75 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