CONCORDIA BANK

CONCORDIA, MO | Small | Est. May 1, 1932, midnight | FDIC #13788 | RSSD #164957 | FDIC
Latest Report: 2025-12-31

CONCORDIA BANK is asn small FDIC-insured commercial bank headquartered in CONCORDIA, MO, established in May 1, 1932, midnight. As of 2025-12-31, the bank reported total assets of $128M and total deposits of $113M. Profitability stands at 1.33% ROA and 12.09% ROE, with a net interest margin of 4.68%. The bank's CET1 capital ratio is 11.09%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.33%. FDIC Certificate #13788.

Assets

$128M

Deposits

$113M

Loans

$93M

Equity

$14M

Profitability

Return on Assets (ROA) 1.33%
Return on Equity (ROE) 12.09%
Net Interest Margin (NIM) 4.68%
Yield on Assets 6.42%
Cost of Funds 1.81%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.33%
NPA Ratio 0.04%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 11.09%
Tier 1 Capital 11.09%
Total Capital Ratio 11.65%
Leverage Ratio 11.11%
Loan-to-Deposit 82.79%

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