Iberiabank

Headquarters

200 West Congress Street
Lafayette, LA 70501
See all branch locations →

Phone 337-521-4886

Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD 0.75% 0.85% →
2-Year CD 0.90% 0.87% →
5-Year CD 0.85% 1.30% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Iberiabank is an FDIC insured institution located in Lafayette, LA. It was founded in 1887 and has approximately $34.58 billion in assets. Customers can open an account at one of its 259 branches.

FDIC Insured Yes
FDIC Certificate # 28100
Date Established 1887
Assets $ 32.15 billion
Loans $ 24.47 billion
Deposits $ 25.64 billion
Capital $ 4.29 billion
 

For a more detailed analysis of Iberiabank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - January 19, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.85% $10,000 $14,999 Learn More
Money Market
0.80% $10,000 $14,999 Learn More
Money Market
0.70% $10,000 $14,999 Learn More
Money Market
0.90% $10,000 $14,999 Learn More
Money Market
0.70% $25,000 $29,999 Learn More
Money Market
0.90% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.70% $10,000 $14,999 Learn More
6 Mo CD
0.70% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
18 Mo CD
0.80% $10,000 $14,999 Learn More
18 Mo CD
0.80% $100,000 $199,999 Learn More
24 Mo CD
0.90% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
30 Mo CD
0.90% $10,000 $14,999 Learn More
30 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
0.90% $10,000 $14,999 Learn More
36 Mo CD
0.90% $100,000 $199,999 Learn More
48 Mo CD
0.85% $10,000 $14,999 Learn More
48 Mo CD
0.85% $100,000 $199,999 Learn More
60 Mo CD
0.85% $10,000 $14,999 Learn More
60 Mo CD
0.85% $100,000 $199,999 Learn More

Variable IRA Rates APY MIN MAX
Var IRA
0.05% $1 $499 Learn MoreShow Less

Online Only CD Rates of Virtualbank, a division of Iberiabank

Online CD Rates APY MIN MAX
12-Month CD
0.30% $10,000 - Learn More
18 Month CD
0.30% $10,000 - Learn More
2 Year CD
0.40% $10,000 - Learn More
3 Year CD
0.45% $10,000 - Learn More
4 Year CD
0.45% $10,000 - Learn More
5 Year CD
0.55% $10,000 - Learn More

Bank Online Offers

VirtualBank Raises EMoney Market to 2.36% APY
Dec 21, 2018

VirtualBank's eMoney Market rate has been raised to 2.36% APY. 


 

Loan Rates - January 19, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Iberiabank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.250% 4.125%
1.00 points
$3,750 fees
$1,212 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Iberiabank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Iberiabank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Iberiabank Locations



Climate Initiatives

Iberiabank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Iberiabank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Iberiabank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Iberiabank U.S. Bank Average
4.23% 4.33%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2021, Iberiabank had $177,927,000 in non-current loans and $15,893,000 in owned real estate. To cover these potential losses it had $4,293,605,000 in equity and $286,685,000 in loans loss reserves. That gives it a Texas Ratio of 4.23%.

Return on Equity
Iberiabank U.S. Bank Average
3.74% 11.13%

Iberiabank has a Return on Equity of 3.74% versus the BestCashCow average of 11.13%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Iberiabank U.S. Bank Average
13.36% 11.79%

Iberiabank has a Capitalization of 13.36% versus the BestCashCow average of 11.79. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Iberiabank Balance Sheet Analysis

As of March 31, 2020, Iberiabank had assets of $34,581,511,000, loans of $24,465,327,000, and deposits of $25,636,664,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2021
ASSETS
Cash & Balances due from depository institutions $ 935.00 million
Interest-bearing balances $ 665.47 million
Total securities $ 4.09 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 24.47 billion
Loan loss allowance $ 286.69 million
Trading account assets $ 283.53 million
Bank premises and fixed assets N.A.
Other real estate owned $ 15.89 million
Goodwill and other intangibles $ 1,283.30 million
All other assets $ 663.87 million
     Total Assets $ 27.85 billion
LIABILITIES
Total deposits $ 25.64 billion
      Interest-bearing deposits $ 18.90 billion
      Deposits held in domestic offices $ 25.64 billion
      % insured (estimated) 47.37%
Federal funds purchased and repurchase agreements $ 172.75 million
Trading liabilities $ 23.80 million
Other borrowed funds $ 1,387.72 million
Subordinated debt N.A.
All other liabilities $ 632.93 million
      Total Liabilities $ 27.85 billion
      Shareholders’ Equity $ 4.29 billion

Summary Income Statement

September 30, 2021
INCOME AND EXPENSES
Total Interest Income $ 302.92 million
Total Interest Expense $ 71.09 million
Net interest income $ 231.84 million
Provision for loan and lease losses $ 66.43 million
Total non interest income $ 58.31 million
Total non interest expense $ 172.10 million
Pre-tax Net Operating Income $ 51.62 million

Bank Loan Profile?

The top three loan types in Iberiabank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Louisiana, Iberiabank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.84
Multifamily
Mortgages
4.88
Credit Card Loans 0.12
Consumer Auto Loans 0.05
Small Business Loans 3.50
Construction and Development Loans 6.25
Commercial Real Estate 29.48
Commercial and Industrial Loans 22.24
Farm Loans 0.12

Customer Reviews for Iberiabank


  • September 6, 2019 |

    CDs 7 Month Rates

    Went to bank yesterday this is not a good rate. Needs to be updated.

  • August 10, 2015

    looking for the best rate for a 1 year IRAbCd for around $160.00. Leave a message at my home 368-4590.

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