Concordia Bank
Concordia Bank is the primary bank subsidiary of its parent holding company, headquartered in Concordia, MO. Concordia's Q1 2026 balance sheet shows $131M in assets funded primarily by $116M in customer deposits. Profitability is strong — 1.44% ROA, paired with 13.08% ROE and a 4.53% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.44% exceeds the 9% CBLR threshold. Asset quality is pristine — 0.34% NPLs and a 2.38% Texas Ratio. 4 branches make up the footprint.
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
- Fed District
- 11
- Established
- May 1, 1932
- Branches
- 4 domestic
- Employees (FTE)
- 24
- FDIC Cert
- 13788
- Fed RSSD
- 164957
- Website
- www.concordia-bank.com →
- Parent Holding Company
- NORTHERN MISSOURI BANCSHARES, INC. (RSSD 1249495)
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Concordia Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Concordia Bank
What are Concordia Bank's total assets?
As of the Q1 2026 filing, Concordia Bank reported total assets of $131.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Concordia Bank headquartered?
Concordia Bank is headquartered in CONCORDIA, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Concordia Bank founded?
Concordia Bank was established in 1932, per the FDIC institution directory.
Is Concordia Bank FDIC-insured?
Yes. Concordia Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Concordia Bank operate?
Concordia Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Concordia Bank's Texas Ratio?
Concordia Bank's Texas Ratio is 2.38% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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