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Overview / Commentary
200 West Congress Street
Lafayette, LA 70501

Iberiabank is headquartered in Lafayette and is the largest bank in the state of Louisiana. It is also the 88th largest bank in the nation. It was established in 1887 and as of June of 2014, it had grown to 2,508 employees at 183 locations. Iberiabank has a A+ health rating.

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Palm Springs FL Branch

This branch is operated by some of the nicest women I've met in banking!  Iberia doesn't have some of the fancier looking web designs for their online banking, but they have made up for it in service.


Thank you Des, Jodi and Aida! 


Always a pleasure doing my banking with Iberia.



Horrible Customer Service

It wasn't always bad.  But now I feel I should discourage everyone from using IberiaBank. I rarely walk out of my branch without grinding my teeth (Carrollton - New Orleans).  I'm not sure why the tellers are so mad and disgruntled.  I'm sure they have a hard job, but who doesn't.  At least fake a smile and maybe get off your cell phone while counting my money!!

Worst Bank Ever

Absolute WORST bank ever!!!! They completely screwed up my pay off on my loan. I have issues with this bank since the loan was taken out and will NEVER use this bank again. I do not recommend anyone deal wiht these guys!!!! One person told me everything was taken care of, but was completely wrong and screwed my account up. Turned me over to collections, because they stopped auto drafting without telling me. Then told me they would move the date due since it was their fault and proceeded to turn me over to collections because they made a mistake! This was after they made me open an account just to pay the bill, then started charging me 10$ a month just to pay the bill through their account!! So happy I am done with this bank!!!

Average At Best

I began using this bank in the 1990s when it was Pocahontas Federal. It changed names and began to go downhill a bit. They messed up my account only a couple times in almost 5 years, but I never gained a sense of family or care from the staff in a small town of only 3,000 people. When I moved to a city for college, I kept my account. However, when my checkbook was stolen and a couple checks written, it was a nightmare trying to get that account closed and money restored to me. They questioned if I had written one of the stolen checks myself, and I honestly don't recall how that ended, but I was not happy. I cancelled my checking account and



Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Iberiabank had $117.96 million in non-current loans and owned real-estate with $1.86 billion in equity and loan loss allowances on hand to cover it. This gives Iberiabank a Texas Ratio of 6.33% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Iberiabank decreased slightly from 7.74% as of June 30, 2013 to 6.33% as of June 30, 2014, resulting in a positive change of 18.23%.This indicates that the balance sheet and financial strength for Iberiabank has improved slightly in recent periods.

Deposit Growth


In the past year, Iberiabank has increased its total deposits by $1.3 billion, resulting in 12.09% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Iberiabank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Iberiabank has $15.24 billion in assets with $1.86 billion in equity, resulting in a capitalization level of 12.23%, which is excellent.

Institution Statistics

FDIC Certificate #28100
Year Established1887
Primary RegulatorFED
Assets and Liabilities
Assets$15.24 billion
Loans$10.94 billion
Deposits$12.05 billion
Equity Capital$1.73 billion
Loan Loss Allowance$133.52 million
Unbacked Noncurrent Loans$74.24 million
Real Estate Owned$43.72 million
Historic Data - June 2013
Assets$12.76 billion
Equity Capital$1.43 billion
Loan Loss Allowance$162.90 million
Unbacked Noncurrent Loans$74.24 million
Real Estate Owned$33.52 million
Profit Margin - Quarterly
Return on Assets0.62%
Return on Equity5.53%
Interest Income$233.40 million

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Iberiabank has 181 locations. Click to view all Iberiabank locations.