Concordia Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Concordia Bank of Concordia, MO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.66% | 1.35% | +0.31% | 72nd above |
| ROAE | 14.53% | 12.05% | +2.48% | 63rd above |
| Net Interest Margin | 4.66% | 3.90% | +0.76% | 85th top |
| Efficiency Ratio | 55.41% | 63.15% | -7.74% | 68th above |
| PPNR / Avg Assets | 2.18% | 1.64% | +0.54% | 79th top |
| Yield on Earning Assets | 6.09% | 5.65% | +0.44% | 72nd above |
| Cost of Funds | 1.62% | 1.85% | -0.23% | 62nd above |
| Net Interest Spread | 4.10% | 3.35% | +0.75% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.92% | -0.60% | 56th above |
| NPA / Total Assets | 0.28% | 0.67% | -0.39% | 53rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.15% | -0.08% | 23rd bottom |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 63rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 412.90% | 1645.66% | -1232.76% | 67th above |
| Texas Ratio | 2.20% | 7.15% | -4.95% | 61st above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 418.75% | 1189.67% | -770.92% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.92% | 12.46% | -0.54% | 64th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.61% | 11.67% | -0.06% | 67th above |
| TCE / Tangible Assets | 11.61% | 11.40% | +0.21% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.60% | 78.64% | +6.96% | 39th below |
| Core Deposit Ratio | 96.21% | 87.09% | +9.12% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.21% | 6.47% | -1.26% | 56th above |
| Loan Growth (Y/Y) | 8.09% | 7.64% | +0.45% | 65th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.38% | 6.02% | -1.64% | 53rd above |
See Concordia Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Concordia Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Concordia Bank profile, how to read a UBPR, or how this data updates.