Bank of Iberia: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.52 percentage points lower than in Q1 2026, at 105.70%. On return on assets, Bank of Iberia is 20th from the bottom among 192 Missouri banks, 0.72% (Q2 2026). Bank of Iberia reported 0.72% on return on assets for Q2 2026, 0.26 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.16% |
| Tier 1 risk-based capital ratio | 16.16% |
| Total risk-based capital ratio | 17.33% |
| Tier 1 leverage ratio | 9.13% |
| Equity capital to assets | 8.77% |
| Tangible equity to tangible assets | 8.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.11% |
| Non-performing assets ratio | 0.62% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 6.55% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 105.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.72% |
| Return on equity | 8.24% |
| Net interest margin | 5.09% |
| Efficiency ratio | 81.48% |
| Yield on earning assets | 6.06% |
| Cost of funds | 1.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.10% |
| Core deposits to total deposits | 98.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.76% |
| Securities to assets | 20.76% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.40% | 14.40% | 15.65% | 8.67% | 0.69% |
| Q4 2023 | 14.58% | 14.58% | 15.83% | 8.67% | 0.22% |
| Q1 2024 | 14.75% | 14.75% | 16.00% | 8.73% | 0.32% |
| Q2 2024 | 14.34% | 14.34% | 15.59% | 8.77% | 0.81% |
| Q3 2024 | 14.38% | 14.38% | 15.63% | 8.92% | 0.85% |
| Q4 2024 | 14.68% | 14.68% | 15.93% | 8.89% | 0.46% |
| Q1 2025 | 14.91% | 14.91% | 16.16% | 9.03% | 0.84% |
| Q2 2025 | 15.05% | 15.05% | 16.29% | 8.97% | 0.88% |
| Q3 2025 | 15.54% | 15.54% | 16.78% | 9.06% | 0.95% |
| Q4 2025 | 15.66% | 15.66% | 16.89% | 9.08% | 0.53% |
| Q1 2026 | 15.71% | 15.71% | 16.86% | 9.18% | 0.92% |
| Q2 2026 | 16.16% | 16.16% | 17.33% | 9.13% | 0.72% |
Bank of Iberia vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Iberia, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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.
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