BlastPoint's Banking Scorecard

Bank of Iberia

under $100M Specialty: Other MO FDIC cert 8584

Designations: ✓ Community bank

Iberia, MO

2 branches across MO

541 banks in the under $100M peer group nationally 16 in MO

Bank of Iberia demonstrates 4 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.24% above tier average
+ ROA 0.09% above tier average
+ Efficiency Ratio 10.67% below tier average
+ Delinquency Rate 1.00% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$72.5M +4.4% YoY +2.9% QoQ	+$10.3M	$62.2M -0.6% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	61%
Total Loans ?	$42.1M +3.9% YoY +1.0% QoQ	+$7.8M	$34.2M -1.4% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	66%
Total Deposits ?	$65.0M +3.7% YoY +2.9% QoQ	+$13.3M	$51.7M -0.7% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	66%
Return on Assets ?	0.92% +9.5% YoY +14.4% QoQ	+0.09%	0.84% -2.3% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	49%
Net Interest Margin ?	5.10% +5.0% YoY -0.4% QoQ	+1.24%	3.86% +2.8% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Top 8.1% in tier
Efficiency Ratio ?	77.67% -0.6% YoY -2.7% QoQ	-10.67%	88.34% +0.3% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	38%
Delinquency Rate ?	0.37% -10.6% YoY -53.9% QoQ	-1.00%	1.37% +33.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	51%
Loan-to-Deposit Ratio ?	64.72% +0.2% YoY -1.8% QoQ	+0.51%	64.22% -0.7% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	52%
Non-Interest-Bearing Deposit Share ?	22.22% -4.0% YoY -5.7% QoQ	-1.50%	23.71% +0.3% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	46%
Nonperforming Asset Ratio ?	0.27% +11.8% YoY -43.1% QoQ	-0.52%	0.79% +28.2% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	49%
Tier 1 Capital Ratio ?	15.71% +5.4% YoY +0.3% QoQ	-10.97%	26.68% +2.0% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.15% +11.1% YoY -74.2% QoQ	-0.52%	0.67% +1.9% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	84%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (2 metrics)

Net Interest Margin

profitability

Value: 5.10%

Peer Median: 3.86%

#45 of 541 Top 8.1% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.15%

Peer Median: 0.67%

#85 of 541 Top 15.5% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available