TellerScore

Bank of Iberia (FDIC certificate #8584) is based in Iberia, Missouri. Its Q2 2026 call report shows $73.9M in total assets and $66.4M in deposits and 2 offices.

Bank of Iberia has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 546 banks with under $100 million in assets. Among 194 banks headquartered in Missouri, it ranks 126th. Funding & liquidity contributes the most (99/100, 61% loans-to-deposits, 4% uninsured); capital cushion contributes the least (41/100, 9.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.13%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.48%
Earnings53/100
Return on assets (annualized): 0.82%
Funding & liquidity99/100
Loans ÷ deposits and uninsured-deposit share: 61.4% · 4.0% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.82%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (63 → 68), mostly because the loan quality component improved by 14 points.

TellerScore
626670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202462
Q4 202465
Q1 202568
Q2 202563
Q3 202566
Q4 202564
Q1 202670
Q2 202668
Tier 1 leverage ratio
5.00%7.09%9.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.77%
Q3 20248.92%
Q4 20248.89%
Q1 20259.03%
Q2 20258.97%
Q3 20259.06%
Q4 20259.08%
Q1 20269.18%
Q2 20269.13%
Noncurrent loans
0.37%0.64%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.54%
Q3 20240.79%
Q4 20240.44%
Q1 20250.41%
Q2 20250.91%
Q3 20250.65%
Q4 20250.79%
Q1 20260.37%
Q2 20260.48%
Return on assets
0.57%0.75%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.66%
Q4 20240.61%
Q1 20250.84%
Q2 20250.87%
Q3 20250.90%
Q4 20250.81%
Q1 20260.92%
Q2 20260.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$73.9M9.13%0.48%0.82%61.4%
Q1 202670$72.5M9.18%0.37%0.92%64.7%
Q4 202564$70.4M9.08%0.79%0.81%65.9%
Q3 202566$70.4M9.06%0.65%0.90%66.5%
Q2 202563$70.1M8.97%0.91%0.87%65.9%
Q1 202568$69.4M9.03%0.41%0.84%64.6%
Q4 202465$67.1M8.89%0.44%0.61%66.4%
Q3 202462$66.9M8.92%0.79%0.66%67.8%
Q2 202464$67.8M8.77%0.54%0.57%64.8%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.13%
11th
Total risk-based capital17.33%
68th
Problem loans0.48%
47th
Net charge-offs0.14%
15th
Return on assets0.82%
41st
Net interest margin5.16%
92nd
Efficiency ratio80.2%
31st
Loans to deposits61.4%
57th
Uninsured deposits4.0%
95th
Loan-loss reserves1.17%
46th
Texas ratio2.8%
46th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Sherwood Community BankBank Creighton, MO64 out of 100, Moderate$77.9M9.0%1.30%vs
The Bank of HoustonBank Houston, MO82 out of 100, Strong$67.4M14.1%0.16%vs
Farmers Bank of Lohman, MissouriBank Jefferson City, MO93 out of 100, Very strong$82.9M17.1%0.02%vs
Peoples Bank of Moniteau CountyBank Jamestown, MO75 out of 100, Strong$83.2M11.1%0.72%vs
America's Community BankBank Blue Springs, MO57 out of 100, Moderate$64.1M8.7%1.32%vs
Community Bank of MemphisBank Memphis, MO85 out of 100, Very strong$63.7M12.4%0.00%vs

Deposit insurance

Is my money safe at Bank of Iberia?

Yes. Bank of Iberia is an FDIC-insured institution (FDIC certificate #8584). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 4.0% of deposits ($2.6M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.13%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.33% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Bank of Iberia lists 2 offices in 2 cities. Most locations:

  • Iberia, MO (1)
  • Waynesville, MO (1)

All branch addresses and map

Identity & history

Profile

Legal name
Bank of Iberia
Type
State-chartered bank (Fed member)
FDIC certificate #
8584
RSSD ID
790150
Primary regulator
FED
Holding company
Milco Bcorp Inc
Established
October 1, 1899
Headquarters
841 Highway 42, Iberia, MO 65486
Employees
19

Quick answers

Bank of Iberia: common questions

Is Bank of Iberia FDIC insured?

Yes. Bank of Iberia is an FDIC-insured institution (FDIC certificate #8584). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Iberia's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Iberia ever failed?

There is no failure record for FDIC certificate #8584 in the FDIC failed bank list.

How many branches does Bank of Iberia have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Iberia

InstitutionScoreAssetsCapitalProblem loansCompare
Our Lady of Snows Credit UnionCredit union Henley, MO96 out of 100, Very strong$4.6M15.3%0.00%vs
The Maries County BankBank Vienna, MO89 out of 100, Very strong$600.5M14.8%0.12%vs
The Bank of VersaillesBank Versailles, MO89 out of 100, Very strong$359.0M15.0%0.03%vs
Patriots BankBank Garnett, KS77 out of 100, Strong$268.8M9.2%0.00%vs
Citizens Bank of EldonBank Eldon, MO76 out of 100, Strong$247.3M11.5%0.90%vs
First State Community BankBank Farmington, MO73 out of 100, Strong$4.5B11.7%1.07%vs