| Metric | Bank of Iberia | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +3.0% | +2.4 pts |
| Deposit growth (YoY) | +5.1% | +2.5% | +2.6 pts |
| Loan growth (YoY) | -2.1% | +2.6% | -4.8 pts |
| ROA | 0.82% | 0.99% | -0.2 pts |
| ROE | 9.3% | 8.1% | +1.3 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $73.9M | $66.4M | $40.7M | $6.5M | $297K | 0.82% | 5.16% | 0.27% |
| Q1 2026 | $72.5M | $65.0M | $42.1M | $6.3M | $165K | 0.92% | 5.10% | 0.27% |
| Q4 2025 | $70.4M | $63.2M | $41.7M | $6.3M | $561K | 0.81% | 5.13% | 0.48% |
| Q3 2025 | $70.4M | $63.1M | $41.9M | $6.2M | $466K | 0.90% | 5.09% | 0.39% |
| Q2 2025 | $70.1M | $63.2M | $41.6M | $5.9M | $298K | 0.87% | 5.05% | 0.55% |
| Q1 2025 | $69.4M | $62.7M | $40.5M | $5.7M | $144K | 0.84% | 4.86% | 0.24% |
| Q4 2024 | $67.1M | $60.7M | $40.3M | $5.5M | $411K | 0.61% | 4.78% | 0.27% |
| Q3 2024 | $66.9M | $60.3M | $40.9M | $5.6M | $333K | 0.66% | 4.71% | 0.49% |
Loan mix (Q2 2026): real estate $33.5M · commercial $2.9M · consumer $3.4M · securities $15.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Iberia | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.99% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 8.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.16% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 70.8% | 69th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Iberia | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Iberia | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Iberia | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Iberia | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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