CONCORDIA BANK & TRUST COMPANY

VIDALIA, LA | Medium | Est. July 1, 1903, midnight | FDIC #8527 | RSSD #819556 | FDIC
Latest Report: 2025-12-31

CONCORDIA BANK & TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in VIDALIA, LA, established in July 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $650M and total deposits of $569M. Profitability stands at 0.84% ROA and 8.47% ROE, with a net interest margin of 3.51%. The bank's CET1 capital ratio is 9.54%. Asset quality metrics show a non-performing loan ratio of 2.11% and a Texas Ratio of 19.42%. FDIC Certificate #8527.

Assets

$650M

Deposits

$569M

Loans

$368M

Equity

$64M

Profitability

Return on Assets (ROA) 0.84%
Return on Equity (ROE) 8.47%
Net Interest Margin (NIM) 3.51%
Yield on Assets 5.12%
Cost of Funds 1.69%

Asset Quality

NPL Ratio 2.11%
Net Charge-Off Ratio 0.16%
Texas Ratio 19.42%
NPA Ratio 2.04%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 9.54%
Tier 1 Capital 9.54%
Total Capital Ratio 10.01%
Leverage Ratio 11.40%
Loan-to-Deposit 64.69%

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