BlastPoint's Banking Scorecard
Bank of Iberia
Designations: ✓ Community bank
Iberia, MO
2 branches across MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 16 in MO.
- Deposits +5.1% year over year ($66.4M on the books).
- Delinquency rate 0.48%.
- Return on assets 0.82%.
- Efficiency ratio 80.19% vs a 119.40% peer average.
- Loan-to-deposit ratio 61.37% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Iberia has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.25% above tier average
- + Efficiency Ratio 39.21% below tier average
- + Delinquency Rate 1.00% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$73.9M
+5.4% YoY
+2.0% QoQ
|
+$11.5M |
$62.4M
-0.0% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$40.7M
-2.1% YoY
-3.3% QoQ
|
+$5.8M |
$34.9M
-0.6% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
63% |
| Total Deposits ? |
$66.4M
+5.1% YoY
+2.0% QoQ
|
+$14.7M |
$51.6M
-0.2% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
68% |
| Return on Assets ? |
0.82%
-5.0% YoY
-11.0% QoQ
|
-0.18% |
1.00%
+3.5% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
41% |
| Net Interest Margin ? |
5.16%
+2.2% YoY
+1.2% QoQ
|
+1.25% |
3.91%
+2.3% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
Top 8.2% in tier |
| Efficiency Ratio ? |
80.19%
+4.7% YoY
+3.2% QoQ
|
-39.21% |
119.40%
+49.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? |
0.48%
-48.0% YoY
+29.9% QoQ
|
-1.00% |
1.48%
+31.8% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
61.37%
-6.9% YoY
-5.2% QoQ
|
-12.84% |
74.21%
+12.6% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
23.68%
+7.0% YoY
+6.6% QoQ
|
+0.19% |
23.49%
+0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.27%
-51.7% YoY
-2.0% QoQ
|
-0.57% |
0.84%
+23.0% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
16.16%
+7.4% YoY
+2.8% QoQ
|
-10.97% |
27.13%
+3.0% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.28%
-8.7% YoY
+85.3% QoQ
|
-1.10% |
1.38%
+6.3% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
82% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.7%
+1.5pp YoY +1.5pp QoQ |
-1.0pp | 24.6% | 20.9% | 22.2% | 49% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.0%
-0.5pp YoY +0.6pp QoQ |
-6.4pp | 13.4% | 12.3% | 12.5% | 33% |
| CRE | n/a | n/a | 25.2% | 36.8% | 41.4% | n/a |
| 1-4 Family |
50.5%
+1.7pp YoY +0.7pp QoQ |
+15.5pp | 35.0% | 31.9% | 31.3% | 72% |
| Consumer |
8.2%
-1.2pp YoY -1.9pp QoQ |
+0.6pp | 7.7% | 4.1% | 5.0% | 70% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.2%
+1.1pp YoY +0.4pp QoQ |
-22.5pp | 38.7% | 18.5% | 19.7% | 29% |
| Leverage Ratio |
9.1%
+0.2pp YoY -0.1pp QoQ |
-8.6pp | 17.7% | 11.6% | 12.6% | 10% |
| Total Capital Ratio |
17.3%
+1.0pp YoY +0.5pp QoQ |
-22.3pp | 39.7% | 19.6% | 20.8% | 30% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
0 YoY 0 QoQ |
+7 | 12 | 162 | 482 | 87% |
| Assets per Employee ($) |
$3.9M
+5.4% YoY +2.0% QoQ |
-$2.3M | $6.2M | $8.0M | $8.8M | 18% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.4pp YoY +0.1pp QoQ |
-1.3pp | 1.7% | 0.8% | 1.0% | 39% |
| Allowance Coverage |
2.46x
+83.1% YoY -20.1% QoQ |
-3.95x | 6.41x | 10.47x | 20.23x | 66% |
| Net Charge-off Rate (YTD) |
0.1%
-0.3pp YoY -0.1pp QoQ |
0.0pp | 0.2% | 0.3% | 0.2% | 74% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.3%
-1.1pp YoY -1.1pp QoQ |
+2.9pp | 6.4% | 14.3% | 11.6% | 57% |
| Cost of Funds (YTD) |
1.0%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.8% | 1.7% | 26% |
| Net Income ($, YTD) |
$297,000
-0.3% YoY — QoQ |
-$21K | $317,817 | $11.3M | $40.4M | 52% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.