Bank of Iberia: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Yield on loans rose 0.30 percentage points from Q1 2026 to Q2 2026, ending at 8.03% against 7.73%. It was the largest change among the key lines on this page. On net interest margin, Bank of Iberia ranks 17th highest among the 192 banks headquartered in Missouri, at 5.09% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Bank of Iberia sits 1.20 points higher, at 5.09% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.06% |
| Yield on loans | 8.03% |
| Yield on securities | 3.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.03% |
| Cost of interest-bearing deposits | 1.33% |
| Cost of interest-bearing liabilities | 1.33% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.09% |
| Yield to cost spread | 4.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $833K |
| Total interest expense | $168K |
| Interest expense on deposits | $168K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.09% | 0.74% | 4.34% | 7.34% | 1.17% |
| Q4 2023 | 5.18% | 0.97% | 4.24% | 7.41% | 1.24% |
| Q1 2024 | 5.29% | 1.02% | 4.30% | 7.51% | 1.34% |
| Q2 2024 | 5.64% | 1.01% | 4.66% | 7.92% | 1.63% |
| Q3 2024 | 5.82% | 1.02% | 4.83% | 7.93% | 1.85% |
| Q4 2024 | 5.94% | 1.13% | 4.86% | 8.04% | 2.08% |
| Q1 2025 | 5.88% | 1.10% | 4.81% | 7.82% | 2.41% |
| Q2 2025 | 6.16% | 1.05% | 5.16% | 8.11% | 2.65% |
| Q3 2025 | 6.09% | 1.11% | 5.04% | 7.88% | 2.78% |
| Q4 2025 | 6.10% | 1.07% | 5.10% | 7.90% | 2.97% |
| Q1 2026 | 6.01% | 1.02% | 5.04% | 7.73% | 3.04% |
| Q2 2026 | 6.06% | 1.03% | 5.09% | 8.03% | 3.23% |
Bank of Iberia yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Iberia, freeSource: Call Report Schedules RI and RC-K, 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)