Bank Comparison
Bonduel State Bank vs Concordia Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 13
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Bonduel State Bank | Concordia Bank |
|---|---|---|
| CET1 Ratio | 21.41% | — |
| Tier 1 Capital Ratio | 21.41% | — |
| Total Capital Ratio | 22.30% | — |
| Tier 1 Leverage Ratio | 13.72% | 11.44% |
| Equity / Assets | 13.05% | 11.10% |
Profitability
| Metric | Bonduel State Bank | Concordia Bank |
|---|---|---|
| Return on Assets (ROA) | 1.38% | 1.44% |
| Return on Equity (ROE) | 10.65% | 13.08% |
| Net Interest Margin (NIM) | 3.41% | 4.53% |
| Yield on Earning Assets | 5.41% | 6.07% |
| Cost of Funds | 2.18% | 1.65% |
Asset quality
| Metric | Bonduel State Bank | Concordia Bank |
|---|---|---|
| Texas Ratio | 1.47% | 2.38% |
| Non-Performing Loan Ratio | 0.30% | 0.34% |
| Non-Performing Asset Ratio | 0.20% | 0.29% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.87% | 1.31% |
Balance sheet
| Metric | Bonduel State Bank | Concordia Bank |
|---|---|---|
| Total Assets | $130,666K | $131,025K |
| Total Deposits | $112,245K | $115,578K |
| Total Loans | $86,491K | $96,677K |
| Total Equity | $17,049K | $14,544K |
| Net Income (quarter) | $451 | $469 |
Liquidity & funding
| Metric | Bonduel State Bank | Concordia Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 77.06% | 83.65% |
| Core Deposit Ratio | 93.01% | 93.93% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bonduel State Bank | Concordia Bank |
|---|---|---|
| Headquarters City | BONDUEL | CONCORDIA |
| Headquarters State | WI | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 13 | 24 |
| Established | Sept. 21, 1906, midnight | May 1, 1932, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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