BlastPoint's Banking Scorecard
Bank of Iberia
Micro
Specialty: Other
MO
FDIC cert 8584
Designations: ✓ Community bank
Iberia, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Bank of Iberia demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.27% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$70.4M
+4.9% YoY
+0.1% QoQ
|
-$147.1M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$41.7M
+3.3% YoY
-0.6% QoQ
|
-$97.5M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$63.2M
+4.1% YoY
+0.2% QoQ
|
-$120.5M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 15% in tier |
| Return on Assets ? |
0.81%
+31.5% YoY
-10.0% QoQ
|
-0.28% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
5.13%
+7.2% YoY
+0.7% QoQ
|
+1.27% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
79.80%
-3.2% YoY
+3.5% QoQ
|
+12.07% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
1.08%
+140.6% YoY
+65.2% QoQ
|
+0.44% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
65.94%
-0.7% YoY
-0.8% QoQ
|
-8.59% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
23.57%
+6.6% YoY
+4.9% QoQ
|
+1.17% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.64%
+137.0% YoY
+64.1% QoQ
|
+0.19% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
15.66%
+6.7% YoY
+0.8% QoQ
|
+6.81% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.58%
-6.9% YoY
+30.4% QoQ
|
+0.02% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.13%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Net Interest Margin
Current: 5.13% · Tier avg: 3.85%
76
76th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.66% · Tier avg: 8.85%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.94% · Tier avg: 74.53%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.57% · Tier avg: 22.39%
34
34th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.08%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
27
27th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.64%
21
21th pctile
Efficiency Ratio
Current: 79.80% · Tier avg: 67.73%
16
16th pctile
Total Loans
Current: $41.7M · Tier avg: $139.2M
15
15th pctile
Total Deposits
Current: $63.2M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $70.4M · Tier avg: $217.5M
Top Weaknesses
13
13th pctile
Total Assets
Current: $70.4M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $63.2M · Tier avg: $183.7M
16
16th pctile
Total Loans
Current: $41.7M · Tier avg: $139.2M
21
21th pctile
Efficiency Ratio
Current: 79.80% · Tier avg: 67.73%
27
27th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.64%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
34
34th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.08%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.57% · Tier avg: 22.39%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.94% · Tier avg: 74.53%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.66% · Tier avg: 8.85%
76
76th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
92
92th pctile
Net Interest Margin
Current: 5.13% · Tier avg: 3.85%