# IBERVILLE BANK
PLAQUEMINE, LA · FDIC certificate 8807 · asset band <$300M · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $269.2M | |
| Deposits | $243.6M | |
| Loans and leases | $149.4M | |
| Total equity | $22.4M | |
| Loans / deposits | 60.48% (p28 of band) | 74.46% |
| Liquid assets / assets | 39.75% (p66 of band) | |
| Uninsured deposits / deposits | 23.86% (p81 of band) | 14.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.17% (p38 of band) | |
| FHLB advances / assets | 0.17% | |
| Tier 1 leverage | 8.73% (p14 of band) | 10.76% |
| Unrealized securities loss / equity | -4.18% (p16 of band) | -0.86% |
| AOCI / equity | -3.94% (p18 of band) | |
| ROA (annualized) | -0.38% (p4 of band) | 0.85% |
| Net interest margin | 3.85% (p61 of band) | 3.68% |
| Efficiency ratio | 108.29% (p97 of band) | |
| Noncurrent loans | 1.33% (p71 of band) | 0.62% |
| Net charge-offs (annualized) | 0.01% (p38 of band) | |
| Reserve coverage of noncurrent | 101.71% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 110.05% (p96 of band) | |
| Auto loans | $375,000 (0.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 81 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 3 |  | expense ratio p90 |
| 2011-12 | 2 |  | construction >100% equity |
| 2012-03 | 2 | capital falling | losing money |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 1 | capital falling | reserve under noncurrent |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 3 | losing money, expense ratio p90, construction >100% equity | reserve under noncurrent |

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

- 2012-11-08 [Emma V. Smith – Family, work, church focus of retired Iberville Bank branch manager - Plaquemine Post South](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNLUVmQnlhNmM3MXZ6MnZPeHVOVTdOalZyME1iV3lhYnlJTlVmZ05VeVh6M3psb2xFLXRCV3FObEJPTzNxQ1RkcGpVeWZ0eHU1NkZnZGVkRHgzeHg1NUpMTHpzcU10RDR2SjNyOTdtNnNtcnExZmZpZ3NRX0NoTjZZQngxLWJOalZSOTdWTTZYVVpzT2xGZDN6VU4zeHo1b0UzNU44aGNCamg?oc=5) · Plaquemine Post South
- 2016-11-04 [The Financial Crisis, BP Oil Spill Just Claimed Another Bank - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxOZXpYSzNKbndFcFRWVVVReV9OenRCUGhJVEF0VWl2cG5BM1I1TEhaaHUyQURFLU1uNGlpOE93WXkzY0F0dUtQb3hKV0M2TVdxamF6NE1zSDNhN2gtbVBiWjlmbEs0ekEwWFlUZmFzMnBOZldySFBhcV84YVozXzV1Q0N2ZV9TSHMzVmx4TGtrVGNfVk1tMmxpQ0d6UQ?oc=5) · American Banker
- 2016-10-14 [Mississippi bank buys Gulf Coast Community - Pensacola News Journal](https://news.google.com/rss/articles/CBMimgFBVV95cUxPZG1yODBYZkVXNG5fLTRiSS1IMUZ2aUl4TDVrbDdRNEFRcS14RF93dlVjOUV5eUNRc3F0ZDZiWDFkMUpMMTVZWUpGYm9vbV9EYWEwQ3daZmJfR1c1TDg0NHhpVWtRUWhEZGtvalBYRDZrWUdEVTF5N2x6SElHdnQyTHR5OC1qTHVKbEVKMGZNZlZscklHU2xTOUZn?oc=5) · Pensacola News Journal
- 2017-08-23 [Officials release details about suspect arrested in connection with 2 bank robberies - WAFB](https://news.google.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?oc=5) · WAFB
- 2016-02-14 [Lawrence Allen"Larry"Melsheimer Obituary - Baton Rouge, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMimwFBVV95cUxNYlU4TXJIRmE2TkZ6YXlEZDh6ZHdGeVl0ekdEcGJXY2pQSlNmM0ZXMS1rR2tlWUpZYWJ1XzdaZUJCOEMySDVpblR5LVJXNzY4X1RoT3ZfZ3ZvVWp6MnRDaHlZN3hzd29sWmpzeDlNR1JxQ1BQM010eU9KREx2ZGg3X1U4WmNGWkN0ZlVyN2VJZ19xbnpGUFpnNFVvQQ?oc=5) · Dignity Memorial
- 2022-04-15 [Kenneth Wilbert Obituary (1953 - 2022) - Baton Rouge, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNT3NGRnVJemY0SFRLZ3NtcTF2MWdoTFV1dU5yNXJqdERxODgyT2oyNjRKTTl3bmVvbm92aERxbG9qV0VQR2Q2d2oyNTVRQWhoMVFDaUhHZFptdU1vZk5pMGJtaTFaOTBuSXZ6a0h5cjMtVDh3WlMtcWNZMUVhaHhDaXFFdkwxLTVGQnhaNmJMaVhCOWFW?oc=5) · legacy.com
- 2014-04-21 [Iberville Chamber of Commerce hosts 16th Annual Golf Tournament - Plaquemine Post South](https://news.google.com/rss/articles/CBMipAFBVV95cUxNR1dfSmE0dUp4Y2FRQzlTVlNqQXR3eEl0cU5ONTFjR3hRekdKc1VvS3dMN2hnbHljc1ZTSU4yeVJxWENnT3plc3pLZ1JYZ3RhWGZlNjdxaTlKZUk4WWFSS2J1M3F2cDFKZjBqa2VVczJzRzI2TDFobGZEbjlEOFRDSWozdEVkcVVTZ1RGa2xJV0JjbmtpSlN5cEhYaVFFVWxjdUFqUQ?oc=5) · Plaquemine Post South
- 2024-02-06 [Sylvia Rivet Obituary - Baton Rouge, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNRGp0MzlxSnFJVkJOU2VZTmpSbmljT211VDNDRXl4NVBEMGl6QmVRNERMMnhfa2phUGFSaHJIV0NkLU1vMVlTbWsxZzc3V29oZkxvVUdPX2JscDJ6MzNyZGM4YnY5NWJGYjJ3Y29TWXdBbXRwN0RqUWZjV2d5NkdhWnk4a2FLZw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8807 (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/39.json (key "8807", 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