Bank of Iberia: how it compares with its peers
Against 50 MO banks with half to twice its assets, Bank of Iberia's strongest measure in Q2 2026 is net interest margin (5.16% vs. a 3.85% peer median). Its weakest relative measure is assets per employee ($3.9M vs. $6.4M).
| Measure | Bank of Iberia | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.82% | 1.20% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.16% | 3.85% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 80.19% | 62.00% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.9M | $6.4M | Bottom third Ahead of 8% of peers |
| Loans to deposits Net loans and leases over total deposits. | 61.37% | 72.61% | Context |
What it means for lending operations
Its efficiency ratio of 80.19% is above the 62.00% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Sherwood Community Bank Creighton, MO · $78M
- The Bank of Houston Houston, MO · $67M
- Farmers Bank of Lohman, Missouri Jefferson City, MO · $83M
- Peoples Bank of Moniteau County Jamestown, MO · $83M
- America's Community Bank Blue Springs, MO · $64M
- Community Bank of Memphis Memphis, MO · $64M
Questions about Bank of Iberia
How big is Bank of Iberia?
Bank of Iberia, established in 1899, is headquartered in Iberia, MO. It reported $74M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Bank of Iberia's return on assets?
0.82% annualized in Q2 2026, against a 1.20% median for 50 MO banks with half to twice its assets, ahead of 24% of them.
What is Bank of Iberia's efficiency ratio?
80.19% in Q2 2026: it spent about 80 cents in noninterest expense for each dollar of revenue. The peer median is 62.00%, and lower is better.
Is Bank of Iberia growing its loans?
Net loans shrank 2.1% over the year to Q2 2026, while deposits grew 5.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.