Bank of Iberia: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 6.66 percentage points in Q2 2026, from 21.71% to 28.37%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Bank of Iberia is 168th of 192 on loan-to-deposit ratio, 62.10% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Bank of Iberia sits 5.53 points lower, at 62.10% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $41.2M |
| Net loans and leases | $40.7M |
| Loans held for sale | $0 |
| Loans to total assets | 55.74% |
| Loan-to-deposit ratio | 62.10% |
| Net loans to equity capital | 6.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.64% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.92% |
| Consumer | 8.15% |
| Credit cards | 0.00% |
| Farm | 3.92% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 87.60% |
| Construction concentration (Tier 1 capital + allowance) | 28.37% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.95% |
| Interest income on loans | $833K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $38.5M | $60.0M | 20.38% | 8.59% | 8.89% |
| Q4 2023 | $37.8M | $60.3M | 18.07% | 8.66% | 9.17% |
| Q1 2024 | $38.2M | $60.6M | 18.40% | 8.53% | 9.06% |
| Q2 2024 | $40.4M | $61.6M | 18.88% | 7.59% | 9.12% |
| Q3 2024 | $41.4M | $60.3M | 17.89% | 7.05% | 8.55% |
| Q4 2024 | $40.9M | $60.7M | 19.06% | 7.19% | 8.51% |
| Q1 2025 | $41.1M | $62.7M | 19.53% | 7.43% | 9.46% |
| Q2 2025 | $42.1M | $63.2M | 19.40% | 7.38% | 9.36% |
| Q3 2025 | $42.4M | $63.1M | 19.98% | 7.02% | 9.12% |
| Q4 2025 | $42.2M | $63.2M | 22.33% | 6.81% | 10.08% |
| Q1 2026 | $42.6M | $65.0M | 23.18% | 6.29% | 10.00% |
| Q2 2026 | $41.2M | $66.4M | 22.64% | 6.92% | 8.15% |
Bank of Iberia loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Iberia, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Iberia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8584) · FFIEC NIC profile (RSSD 790150)