Concordia Bank
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Data as of · sourced from FFIEC call reports. How we update
Concordia Bank is an FDIC-insured commercial bank headquartered in Concordia, MO, established in 1932 (FDIC certificate 13788), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $130.0M, up 5.2% from Q2 2025, the 159th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.92% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13788
- Headquarters
- Concordia, MO
- Established
- 1932
- Total assets, Q2 2026
- $130.0M
- Assets vs Q2 2025
- +5.2%
- Tier 1 leverage ratio, Q2 2026
- 11.92%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101917843
- Holding company
- NORTHERN MISSOURI BANCSHARES, INC.
- Asset rank in state
- 159th of 191 in Missouri
Concordia Bank earns an unusually wide margin on its lending. Based in Concordia, Missouri, it had $130 million in assets at June 30, 2026, up 5.2% from a year earlier. It keeps 4.66 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents).
Net income for the quarter rose 19% from a year earlier, to $538,000. Over the same year, loans grew 8.1% and deposits grew 4.4%.
As of June 30, 2026, Concordia Bank reported a return on assets of 1.66%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 2.20%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Concordia Bank is the 159th largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.8% to $130.0M, loans rose 1.0% and deposits fell 1.3%. 1-4 family residential loans made up 47.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 15.3%. Its 4 offices in the FDIC Summary of Deposits are in Concordia, MO, Odessa, MO and Laurie, MO; its Concordia 2 offices book 60% of its branch deposits. Judged on its Q2 2026 call report, Concordia Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 547 S Main St, Concordia, MO 64020
- County
- Lafayette
- Metro Area
- Kansas City, MO-KS
- 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 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 1, 1932
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $114.1M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $130.0M
- Average total loans
- $97.1M
- Average interest-bearing deposits
- $84.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13788
- Fed RSSD
- 164957
- Website
- www.concordia-bank.com →
- Parent Holding Company
- NORTHERN MISSOURI BANCSHARES, INC. (RSSD 1249495)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Concordia Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Concordia Bank's total assets moved between a low of $107.3M (Q3 2023) and a high of $131.0M (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
$130.0M total assets against $123.6M; $114.9M total liabilities against $110.1M.
$96.4M net loans and leases against $89.2M; $114.1M total deposits against $109.3M.
$12.4M securities against $9.4M; $16.1M cash and balances due against $20.0M.
$1.9M total interest income against $1.8M; $445K total interest expense against $473K.
$1.4M net interest income against $1.3M.
$146K total noninterest income against $147K; $884K total noninterest expense against $840K.
$0 provision for credit losses against $6K.
$538K net income against $452K.
1.66% return on assets against 1.44%; 4.66% net interest margin against 4.42%.
11.92% tier 1 leverage ratio against 11.12%.
Inside the full Concordia Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeConcordia Bank rankings
Its closest position to the top of a national ranking is 986 of 3,611, for ROA; its furthest is 3,448 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.22% (Q1 2025) to 1.66% (Q2 2026) and its net interest margin ran from 4.23% (Q3 2024) to 4.72% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.92% | 1.66% | 0.32% | 2.20% | 4.66% |
| Q1 2026 | 11.44% | 1.44% | 0.34% | 2.38% | 4.53% |
| Q4 2025 | 11.11% | 1.31% | 0.00% | 0.33% | 4.49% |
| Q3 2025 | 11.17% | 1.57% | 0.00% | 0.33% | 4.60% |
| Q2 2025 | 11.12% | 1.44% | 0.37% | 2.62% | 4.42% |
| Q1 2025 | 11.04% | 1.22% | 0.40% | 2.97% | 4.34% |
| Q4 2024 | 11.16% | 1.27% | 0.00% | 0.37% | 4.72% |
| Q3 2024 | 11.33% | 1.26% | 0.64% | 4.41% | 4.23% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Concordia Bank of Concordia, Missouri | Concordia , MO | 64020 | $68.3M |
| Concordia Bank (main office) | Odessa , MO | 64076 | $24.0M |
| Laurie Branch | Laurie , MO | 65037 | $21.8M |
| Drive Facility Branch | Concordia , MO | 64020 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 188 of 249 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 Concordia Bank
What are Concordia Bank's total assets?
As of the Q2 2026 filing, Concordia Bank reported total assets of $130.0 million in its FFIEC call report.
Where is Concordia Bank headquartered?
It is headquartered in Concordia, MO, United States.
When was Concordia Bank founded?
It was established in 1932, per the FDIC institution directory.
Is Concordia Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Concordia Bank?
Concordia Bank's primary federal regulator is the FDIC.
How many branches does Concordia Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Concordia Bank's Texas Ratio?
Its Texas Ratio is 2.20% 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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