Concordia 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.
Reserve coverage of non-performing loans climbed 25.17 percentage points in Q2 2026, from 387.73% to 412.90%. It was the largest change from Q1 2026 among the key lines here. Concordia Bank ranks 75th of 192 Missouri banks on return on assets, in the upper half at 1.66% (Q2 2026). Concordia Bank reported 1.66% on return on assets for Q2 2026, 0.40 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.92% |
| Equity capital to assets | 11.61% |
| Tangible equity to tangible assets | 11.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 2.20% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 412.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.66% |
| Return on equity | 14.53% |
| Net interest margin | 4.66% |
| Efficiency ratio | 55.41% |
| Yield on earning assets | 6.09% |
| Cost of funds | 1.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.60% |
| Core deposits to total deposits | 96.21% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.79% |
| Securities to assets | 9.54% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.30% | 1.29% | 4.80% | 0.00% | 0.07% |
| Q4 2023 | 11.30% | 1.15% | 4.54% | 0.03% | -0.01% |
| Q1 2024 | 11.13% | 0.63% | 4.33% | 0.01% | 0.08% |
| Q2 2024 | 11.11% | 1.28% | 4.56% | 0.02% | 0.00% |
| Q3 2024 | 11.33% | 1.26% | 4.23% | 0.64% | 0.00% |
| Q4 2024 | 11.16% | 1.27% | 4.72% | 0.02% | 0.06% |
| Q1 2025 | 11.04% | 1.22% | 4.34% | 0.42% | 0.00% |
| Q2 2025 | 11.12% | 1.44% | 4.42% | 0.39% | 0.00% |
| Q3 2025 | 11.17% | 1.57% | 4.60% | 0.00% | 0.07% |
| Q4 2025 | 11.11% | 1.31% | 4.49% | 0.00% | 0.00% |
| Q1 2026 | 11.44% | 1.44% | 4.53% | 0.34% | 0.00% |
| Q2 2026 | 11.92% | 1.66% | 4.66% | 0.32% | 0.07% |
Concordia Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Concordia 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 Concordia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13788) · FFIEC NIC profile (RSSD 164957)