BanksCONCORDIA BANK

CONCORDIA BANK

CONCORDIA, MOSmallEst. May 1, 1932, midnightFDIC #13788RSSD #164957FDIC
Latest · 2025-12-31

CONCORDIA BANK is an 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%. CET1 capital ratio: 11.09%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.33%. Operates 4 domestic branches.

Assets
$128M
Deposits
$113M
Loans
$93M
Equity
$14M

Profitability

Return on Assets (ROA)1.33%
Return on Equity (ROE)12.09%
Net Interest Margin4.68%
Yield on Assets6.42%
Cost of Funds1.81%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.02%
Texas Ratio0.33%
NPA Ratio0.04%
ACL / Loans1.32%

Capital & Liquidity

CET1 Ratio11.09%
Tier 1 Capital11.09%
Total Capital Ratio11.65%
Leverage Ratio11.11%
Loan-to-Deposit82.79%

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