Concorde Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Return on equity: 9.38 percentage points higher than in Q1 2026, at 17.31%. Within Minnesota, Concorde Bank is 67th of 221 on return on assets, 1.69% as of Q2 2026. Concorde Bank's return on assets of 1.69% is well above the 1.00% median for banks in the < $100M asset tier, a gap of 0.69 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.45% |
| Tier 1 risk-based capital ratio | 15.45% |
| Total risk-based capital ratio | 16.71% |
| Tier 1 leverage ratio | 10.35% |
| Equity capital to assets | 10.13% |
| Tangible equity to tangible assets | 10.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.73% |
| Non-performing assets ratio | 2.10% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 18.02% |
| Allowance for credit losses to loans | 2.07% |
| Reserve coverage of non-performing loans | 75.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.69% |
| Return on equity | 17.31% |
| Net interest margin | 5.11% |
| Efficiency ratio | 51.54% |
| Yield on earning assets | 7.54% |
| Cost of funds | 2.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.32% |
| Core deposits to total deposits | 94.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.40% |
| Securities to assets | 3.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.13% | 13.13% | 14.39% | 9.78% | 1.75% |
| Q4 2023 | 13.39% | 13.39% | 14.65% | 10.33% | 1.52% |
| Q1 2024 | 13.54% | 13.54% | 14.81% | 10.32% | 1.62% |
| Q2 2024 | 13.29% | 13.29% | 14.56% | 10.46% | 2.38% |
| Q3 2024 | 13.58% | 13.58% | 14.84% | 10.86% | 1.65% |
| Q4 2024 | 13.90% | 13.90% | 15.16% | 11.19% | 1.39% |
| Q1 2025 | 13.97% | 13.97% | 15.24% | 11.00% | 1.82% |
| Q2 2025 | 13.76% | 13.76% | 15.02% | 11.05% | 1.86% |
| Q3 2025 | 14.39% | 14.39% | 15.66% | 10.78% | 1.72% |
| Q4 2025 | 14.66% | 14.66% | 15.91% | 10.80% | 1.33% |
| Q1 2026 | 14.42% | 14.42% | 15.68% | 10.25% | 0.78% |
| Q2 2026 | 15.45% | 15.45% | 16.71% | 10.35% | 1.69% |
Concorde Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Concorde Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Concorde Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9727) · FFIEC NIC profile (RSSD 273653)