# IBERIABANK
LAFAYETTE, LA · FDIC certificate 28100 · asset band $10-100B · latest filing 2020-06 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $34.58B | |
| Deposits | $28.44B | |
| Loans and leases | $26.39B | |
| Total equity | $4.23B | |
| Loans / deposits | 91.40% (p73 of band) | 85.01% |
| Liquid assets / assets | 17.06% (p17 of band) | |
| Uninsured deposits / deposits | 54.36% (p84 of band) | 37.72% |
| Brokered deposits | 2.10% | |
| Wholesale funding | 5.73% (p38 of band) | |
| FHLB advances / assets | 2.93% | |
| Tier 1 leverage | 9.07% (p48 of band) | 9.14% |
| Unrealized securities loss / equity | 3.12% (p43 of band) | 3.52% |
| AOCI / equity | 1.66% (p51 of band) | |
| ROA (annualized) | 0.19% (p23 of band) | 0.69% |
| Net interest margin | 3.09% (p42 of band) | 3.19% |
| Efficiency ratio | 60.10% (p65 of band) | |
| Noncurrent loans | 0.74% (p67 of band) | 0.56% |
| Net charge-offs (annualized) | 0.16% (p72 of band) | |
| Reserve coverage of noncurrent | 204.29% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 35.92% (p59 of band) | |
| Auto loans | $10.7M (0.04% of loans; DQ 2.31%, NCO 0.00%) | |
| Loans to nondepository financials | $235.0M (6% of equity) (p59 of band) | |
| Deposits YoY | 16.3% | |
| Employees | 3122 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | noncurrent p90 |
| 2012-12 | 3 | capital falling, noncurrent p90 |  |
| 2013-03 | 3 | expense ratio p90 | noncurrent p90 |
| 2013-06 | 3 | noncurrent p90 | capital falling |
| 2013-09 | 2 |  | noncurrent p90 |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | wholesale funding >15% |  |
| 2014-09 | 2 |  | wholesale funding >15% |
| 2014-12 | 3 | wholesale funding >15% |  |
| 2015-03 | 1 |  | expense ratio p90, wholesale funding >15% |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 2 | uninsured deposits >50% |  |
| 2017-12 | 3 | run vulnerability |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | reserve under noncurrent |
| 2019-03 | 3 | reserve under noncurrent |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | reserve under noncurrent |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-22 [Ex-IberiaBank CEO is getting the band back together - Banking Dive](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOYVB3NzF3eTlIai1VbWlLSl9YOWFEWnQ1SUtQZXNUMVFibnZsOEdXT1d4OHVkWnlVYWxLUGNsUzd5U0M0WHd2ZE9YaWp2VFpUN19laVRrdHRBc0l0Q2RHcURFdmJycTZFbWNrYjR4cEpYTWJIWXZWNVNlWkp6SUR5VkZYNkVJREIweERHZnI4LTl6VGpUT2hyTXpUb01QS3puN1M0UzhqSjFkZDB5ZzJtbURsTU9CeG9M?oc=5) · Banking Dive
- 2025-12-17 [Ex-Iberiabank CEO leads group that plans to buy La. bank - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxQSndGTjdaX3dWQWdvUXF1bzduX1ZVZTV2aDZUWVE2NnFaR0ZXVWQwLVd1NVdYc2NseW91V0lEQ0ZubS0tZ1lUWlY5b0hBOHk1RENhWFF4SGVwRnB6WjhZcE1UTXAyanpXeWs1ek5tUmhzWW92TVRqNGx2bElNQUt0TkZIdHhsOWdfV3drdU5jZXY3RzVWM0E?oc=5) · American Banker
- 2026-05-01 [Investor Group Led by Former IBERIABANK Leaders Daryl Byrd, Mark Tipton, Michael Brown, and Scott Price Announces the Closing of Merger with MC Bancshares, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMitgJBVV95cUxPbFZRaEo3M1RFQ2ptcjZuSERFMFFxdXhXRkd0b1dkYlR6NlUydVgzamFLaWlpMHh0NXczWHo3Mk9ieC05THRDTklzSGRWZXJqME1GS1AtR05XN2R3cXQyZElWZ2tGTi1vMmRvMHBjd1o4MUpfczlYdWJKOVA3V2NldEJ4VFQzR0hVcDVtSUtUY3U1SjBRRFN2VS0yUldFRVlhbGRRUG1PTEtHUGFGYVJ3MEoxRDJfZGtBUFVKQVlfc3pyczBrVDRCT3pmQkN4RS16SzhFdFZVWUp0ZE1JVEhFVVJwUjRuUUNyd29nN3ZKNl9BRzF2OGxpRm5PNFMyVXpuVWxHSzFEeG1lOHR3OU53WENCOTRPN0lWSnpuOFRBbmZpMUFFZFlJMTROTUNEeEJhMEJsbmhR?oc=5) · PR Newswire
- 2025-12-17 [Former IberiaBank execs are back in the game, have big plans for Louisiana bank they’re buying - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2025-12-17 [MC Bancshares to merge with investor group led by former IberiaBank CEO - New Orleans CityBusiness](https://news.google.com/rss/articles/CBMikgFBVV95cUxOQzVCSmtRQjMyZHFIa2RoTzk2OVI4N3RQc2E1aXF5bVhHRlp5VWN6MDY5VjJlalJOTjg5X1hoeENMaVROekV5a0ZJTTdWX2FMbWlhWHFuUE9HYjNWQmVvdDJmQ0RHUVdTQllzcHVmbUhrclhRMXk0dTc0TzlicmdnQUNXLTVIV182Z1VILVNrQ2g2dw?oc=5) · New Orleans CityBusiness
- 2026-04-27 [M C Bank takeover by group led by former IberiaBank exec gets federal OK - The Advocate](https://news.google.com/rss/articles/CBMizwFBVV95cUxQc1BHSzJvNXlFUDAyQ2ZZbGNrOGJ0cHQ5Z1hVaXZ4T1dXU3lpSkV0dW96SFFWVUZjMU85V1dXa3d1eDlYcHlsTXhqbFZVSlN2RnBIbGc0SmdvM0pMaU5UbzJmMldqT0RtbEdlM25IblJyYk1zcGF4b0FfVENHWURpM0FkM0dmOTJNUm5ySjZJSXN2R1lDYWJHQTlZZlRLYmVtWmU4RURTMXF5dDY5VndGd3F5TGhBMllUUlE3b0N3aEVGaHhrU2JlSTBzT1ZqVVU?oc=5) · The Advocate
- 2025-12-17 [M C Bank Announces Merger with DMMS Purchaser, Inc. - KQKI News](https://news.google.com/rss/articles/CBMie0FVX3lxTE4zNExwd3FIMXVQWXBqRHBIN2hiZkwzS2FvVGltUmxvRE9aZXBZV2pYQ2xsVjVaT3NvMHRVZ3ludV9XdVI5UVNFbDN6TGhoZWhKVGg5QTBNS1VWR01pMFZvY0JHZWgwUGpHNWl4N3JIRVVWb0RNaGFxYVRPVQ?oc=5) · KQKI News
- 2026-05-01 [Former IberiaBank leaders complete MC Bank merger - New Orleans CityBusiness](https://news.google.com/rss/articles/CBMilgFBVV95cUxPbDdvR0xVaHVBc2ZuemFEMFFSRENYNGRoZkJxbUU5OHQtcVczRllNTDBQRXdUdmRsTmhOVjJ2RGptVWNPR3l6UWptNXVRa19ma2NnZ0p0VGNPa1Q4Mzd2eGVyQXRzWE12WkRhUldMb2VvOGFkLU1lMmZEQUZCUHlfeko2MFUyUmZya09XSUNpOGJRTjJTZ2c?oc=5) · New Orleans CityBusiness

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28100 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/4.json (key "28100", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide