Concorde Bank
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Data as of · sourced from FFIEC call reports. How we update
Concorde Bank is an FDIC-insured commercial bank headquartered in Blomkest, MN, established in 1910 (FDIC certificate 9727), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $88.5M, up 10.2% from Q2 2025, the 178th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 15.45% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9727
- Headquarters
- Blomkest, MN
- Established
- 1910
- Total assets, Q2 2026
- $88.5M
- Assets vs Q2 2025
- +10.2%
- CET1 ratio, Q2 2026
- 15.45%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091909518
- Holding company
- MATSON FINANCIAL, INC.
- Asset rank in state
- 178th of 221 in Minnesota
Concorde Bank, based in Blomkest, Minnesota, reported $88 million in assets at June 30, 2026, up 10.2% from a year earlier. It carries problem assets equal to 18.0% of the capital and reserves that would absorb them, 13.1 times the median of 1.4% for the 583 banks with less than $100 million in assets. It also grew deposits 13.6% over the year, 5.5 times the median of 2.5% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 2.8% and deposits rose 13.6%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.73% of loans, down from 3.23% a year earlier. Where it has less room is capital: it funds 10.35% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, Concorde Bank reported a CET1 capital ratio of 15.45%, a return on assets of 1.69%, a nonperforming-loan ratio of 2.73% and a Texas ratio of 18.02%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Concorde Bank is the 178th largest of the 221 banks headquartered in Minnesota. From Q1 2026 to Q2 2026, its total assets fell 1.7% to $88.5M, loans fell 1.5% and deposits fell 2.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 44.3% of total loans, ahead of commercial and industrial loans at 14.1%. The FDIC Summary of Deposits lists 2 offices for it, in Willmar, MN and Blomkest, MN; its Willmar office books 65% of its branch deposits. On its Q2 2026 call report, Concorde Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 16 Sw Main Street, Blomkest, MN 56216
- County
- Kandiyohi
- Metro Area
- Willmar, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $79.1M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $29K
- Average total assets
- $90.2M
- Average total loans
- $66.5M
- Average interest-bearing deposits
- $63.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9727
- Fed RSSD
- 273653
- Website
- http://www.concordebanks.com →
- Parent Holding Company
- MATSON FINANCIAL, INC. (RSSD 2623551)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Concorde Bank's total assets moved between a low of $73.6M (Q3 2023) and a high of $90.0M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$88.5M total assets against $80.3M; $79.5M total liabilities against $72.1M.
$64.5M net loans and leases against $66.4M; $79.1M total deposits against $69.6M.
$3.3M securities against $3.8M; $19.1M cash and balances due against $8.5M.
$1.3M total interest income against $1.3M; $430K total interest expense against $399K.
$905K net interest income against $906K.
$84K total noninterest income against $78K; $510K total noninterest expense against $561K.
$60K provision for credit losses against $30K.
$380K net income against $363K.
1.69% return on assets against 1.86%; 5.11% net interest margin against 5.05%.
15.45% CET1 capital ratio against 13.76%; 10.35% tier 1 leverage ratio against 11.05%.
Inside the full Concorde Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.78% (Q1 2026) to 1.86% (Q2 2025) and its net interest margin ran from 4.66% (Q4 2025) to 5.11% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.45% | 1.69% | 2.73% | 18.02% | 5.11% |
| Q1 2026 | 14.42% | 0.78% | 2.63% | 17.75% | 4.72% |
| Q4 2025 | 14.66% | 1.33% | 2.76% | 18.42% | 4.66% |
| Q3 2025 | 14.39% | 1.72% | 2.71% | 18.63% | 5.03% |
| Q2 2025 | 13.76% | 1.86% | 3.23% | 22.90% | 5.05% |
| Q1 2025 | 13.97% | 1.82% | 3.52% | 24.38% | 4.84% |
| Q4 2024 | 13.90% | 1.39% | 1.61% | 11.43% | 5.08% |
| Q3 2024 | 13.58% | 1.65% | 1.28% | 8.93% | 4.88% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Willmar Branch | Willmar , MN | 56201 | $51.7M |
| Concorde Bank (main office) | Blomkest , MN | 56216 | $27.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 220 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Concorde Bank
What are Concorde Bank's total assets?
As of the Q2 2026 filing, Concorde Bank reported total assets of $88.5 million in its FFIEC call report.
Where is Concorde Bank headquartered?
It is headquartered in Blomkest, MN, United States.
When was Concorde Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Concorde Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9727). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Concorde Bank?
Concorde Bank's primary federal regulator is the FDIC.
What is Concorde Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.45% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Concorde Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Concorde Bank's Texas Ratio?
Its Texas Ratio is 18.02% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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