Bank Comparison
Concordia Bank vs Home Savings and Loan Association of Carroll County, F.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 4
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Concordia Bank | Home Savings and Loan Association of Carroll County, F.A. |
|---|---|---|
| CET1 Ratio | — | 23.56% |
| Tier 1 Capital Ratio | — | 23.56% |
| Total Capital Ratio | — | 24.81% |
| Tier 1 Leverage Ratio | 11.44% | 14.28% |
| Equity / Assets | 11.10% | 14.18% |
Profitability
| Metric | Concordia Bank | Home Savings and Loan Association of Carroll County, F.A. |
|---|---|---|
| Return on Assets (ROA) | 1.44% | 0.74% |
| Return on Equity (ROE) | 13.08% | 5.24% |
| Net Interest Margin (NIM) | 4.53% | 3.45% |
| Yield on Earning Assets | 6.07% | 5.62% |
| Cost of Funds | 1.65% | 2.45% |
Asset quality
| Metric | Concordia Bank | Home Savings and Loan Association of Carroll County, F.A. |
|---|---|---|
| Texas Ratio | 2.38% | 3.40% |
| Non-Performing Loan Ratio | 0.34% | 0.75% |
| Non-Performing Asset Ratio | 0.29% | 0.49% |
| Net Charge-Off Ratio | 0.00% | 0.04% |
| ACL / Loans | 1.31% | 1.21% |
Balance sheet
| Metric | Concordia Bank | Home Savings and Loan Association of Carroll County, F.A. |
|---|---|---|
| Total Assets | $131,025K | $133,076K |
| Total Deposits | $115,578K | $113,791K |
| Total Loans | $96,677K | $88,032K |
| Total Equity | $14,544K | $18,875K |
| Net Income (quarter) | $469 | $246 |
Liquidity & funding
| Metric | Concordia Bank | Home Savings and Loan Association of Carroll County, F.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 83.65% | 77.36% |
| Core Deposit Ratio | 93.93% | 84.35% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Concordia Bank | Home Savings and Loan Association of Carroll County, F.A. |
|---|---|---|
| Headquarters City | CONCORDIA | NORBORNE |
| Headquarters State | MO | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 700508 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 24 | 13 |
| Established | May 1, 1932, midnight | Jan. 1, 1919, 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.
View full Concordia Bank profile | View full Home Savings and Loan Association of Carroll County, F.A. profile | Browse all bank comparisons