Bank of Iberia
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Data as of · sourced from FFIEC call reports. How we update
Bank of Iberia is an FDIC-insured commercial bank headquartered in Iberia, MO, established in 1899 (FDIC certificate 8584), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $73.9M, up 5.4% from Q2 2025, the 184th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 16.16% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8584
- Headquarters
- Iberia, MO
- Established
- 1899
- Total assets, Q2 2026
- $73.9M
- Assets vs Q2 2025
- +5.4%
- CET1 ratio, Q2 2026
- 16.16%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081507470
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Iberia call report
- Holding company
- MILCO BANCORPORATION, INC.
- Asset rank in state
- 184th of 191 in Missouri
Bank of Iberia operates with a thinner capital cushion than most banks of its size. Based in Iberia, Missouri, it had $74 million in assets at June 30, 2026, up 5.4% from a year earlier. It funds 9.13% of its assets with Tier 1 capital, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 13.06%). On the other hand, it keeps 5.09 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.87 cents).
Loans and deposits moved in opposite directions: over the year loans fell 2.2% and deposits rose 5.1%. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.48% of loans from 0.91%. Concentration is the risk to watch: it holds commercial real estate loans worth 0.9 times its capital, about triple the median of 26% for banks its size.
As of June 30, 2026, Bank of Iberia reported a CET1 capital ratio of 16.16%, a return on assets of 0.72%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 2.82%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Bank of Iberia is the 184th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $73.9M, loans fell 3.2% and deposits rose 2.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 49.9% of total loans, ahead of owner-occupied commercial real estate loans at 12.3%. The FDIC Summary of Deposits lists 2 offices for it, in Iberia, MO and Waynesville, MO; its Iberia office books 68% of its branch deposits. Judged on its Q2 2026 call report, Bank of Iberia meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 841 Highway 42, Iberia, MO 65486
- County
- Miller
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1899
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $66.4M
- Allowance for credit losses
- $482K
- Net charge-offs (YTD)
- $30K
- Average total assets
- $73.3M
- Average total loans
- $41.5M
- Average interest-bearing deposits
- $50.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8584
- Fed RSSD
- 790150
- Website
- www.bankofiberia.com →
- Parent Holding Company
- MILCO BANCORPORATION, INC. (RSSD 1118760)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Iberia's total assets ranged from $65.8M (Q3 2023) to $73.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$73.9M total assets against $70.1M; $67.4M total liabilities against $64.2M.
$40.7M net loans and leases against $41.6M; $66.4M total deposits against $63.2M.
$15.3M securities against $15.8M; $14.4M cash and balances due against $9.3M.
$1.0M total interest income against $999K; $168K total interest expense against $164K.
$871K net interest income against $835K.
$97K total noninterest income against $120K; $800K total noninterest expense against $719K.
$5K provision for credit losses against $35K.
$132K net income against $154K.
0.72% return on assets against 0.88%; 5.09% net interest margin against 5.16%.
16.16% CET1 capital ratio against 15.05%; 9.13% tier 1 leverage ratio against 8.97%.
Inside the full Bank of Iberia terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.46% (Q4 2024) to 0.95% (Q3 2025) and its net interest margin ran from 4.81% (Q1 2025) to 5.16% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.16% | 0.72% | 0.48% | 2.82% | 5.09% |
| Q1 2026 | 15.71% | 0.92% | 0.37% | 2.88% | 5.04% |
| Q4 2025 | 15.66% | 0.53% | 0.79% | 4.96% | 5.10% |
| Q3 2025 | 15.54% | 0.95% | 0.65% | 4.10% | 5.04% |
| Q2 2025 | 15.05% | 0.88% | 0.91% | 5.99% | 5.16% |
| Q1 2025 | 14.91% | 0.84% | 0.41% | 2.68% | 4.81% |
| Q4 2024 | 14.68% | 0.46% | 0.44% | 3.00% | 4.86% |
| Q3 2024 | 14.38% | 0.85% | 0.79% | 5.33% | 4.83% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Iberia (main office) | Iberia , MO | 65486 | $44.9M |
| Waynesville Branch | Waynesville , MO | 65583 | $21.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 221 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $52K approved, $52K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Iberia
What are Bank of Iberia's total assets?
As of the Q2 2026 filing, Bank of Iberia reported total assets of $73.9 million in its FFIEC call report.
Where is Bank of Iberia headquartered?
It is headquartered in Iberia, MO, United States.
When was Bank of Iberia founded?
It was established in 1899, per the FDIC institution directory.
Is Bank of Iberia FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8584). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Iberia?
Bank of Iberia's primary federal regulator is the Federal Reserve.
What is Bank of Iberia's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.16% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Iberia operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Iberia's Texas Ratio?
Its Texas Ratio is 2.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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