Concordia Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Concordia Bank & Trust Company is an FDIC-insured commercial bank headquartered in Vidalia, LA, established in 1903 (FDIC certificate 8527), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $667.0M, up 5.2% from Q2 2025, the 26th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.12% 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
- 8527
- Headquarters
- Vidalia, LA
- Established
- 1903
- Total assets, Q2 2026
- $667.0M
- Assets vs Q2 2025
- +5.2%
- Tier 1 leverage ratio, Q2 2026
- 11.12%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 111102431
- Latest call report
- Q2 2026, FFIEC 051 · Concordia Bank & Trust Company call report
- Holding company
- CONCORDIA CAPITAL CORPORATION
- Asset rank in state
- 26th of 102 in Louisiana
Concordia Bank & Trust Company, based in Vidalia, Louisiana, reported $667 million in assets at June 30, 2026, up 5.2% from a year earlier. It carries problem assets equal to 21.0% of the capital and reserves that would absorb them, 7.9 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 2.8% over the year, lower than about three-quarters of banks its size (median 5.5%).
Loans and deposits moved in opposite directions: over the year loans fell 2.8% and deposits rose 5.3%. The non-owner-occupied commercial real estate book ($50 million) is worsening: 2.03% of it is past due or on nonaccrual, up from 0.43% a year earlier.
As of June 30, 2026, Concordia Bank & Trust Company reported a return on assets of 1.35%, a nonperforming-loan ratio of 2.54% and a Texas ratio of 20.99%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, Concordia Bank & Trust Company is the 26th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.8% to $667.0M, loans fell 0.8% and deposits fell 1.0%. Owner-occupied commercial real estate loans made up 36.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 19.5%. The FDIC Summary of Deposits lists 8 offices for it, in 6 cities across 2 states; its Vidalia office books 45% of its branch deposits. Judged on its Q2 2026 call report, Concordia Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 904 Carter St, Vidalia, LA 71373
- County
- Concordia
- Metro Area
- Natchez, MS-LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1903
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 118
- Domestic deposits
- $585.7M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $27K
- Average total assets
- $676.4M
- Average total loans
- $367.0M
- Average interest-bearing deposits
- $410.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8527
- Fed RSSD
- 819556
- SEC CIK
- 1539016 → filed by CONCORDIA CAPITAL CORPORATION
- Website
- http://www.concordiabank.com →
- Parent Holding Company
- CONCORDIA CAPITAL CORPORATION (RSSD 2557414)
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 & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Concordia Bank & Trust Company's total assets ran between $634.2M (Q2 2025) and $686.5M (Q4 2023), 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
$667.0M total assets against $634.2M; $601.4M total liabilities against $574.6M.
$356.5M net loans and leases against $366.6M; $585.7M total deposits against $556.0M.
$214.5M securities against $208.0M; $63.1M cash and balances due against $26.4M.
$8.0M total interest income against $7.6M; $2.4M total interest expense against $2.4M.
$5.5M net interest income against $5.2M.
$716K total noninterest income against $669K; $4.3M total noninterest expense against $4.1M.
$31K provision for credit losses against $101K.
$2.3M net income against $2.0M.
1.35% return on assets against 1.21%; 3.60% net interest margin against 3.47%.
11.12% tier 1 leverage ratio against 11.18%.
Inside the full Concordia Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeConcordia Bank & Trust Company rankings
Its closest position to the top of a national ranking is 152 of 3,640, for Texas Ratio; its furthest is 2,514 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.84% (Q4 2025) to 1.35% (Q2 2026) and its net interest margin ran from 3.13% (Q3 2024) to 3.60% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.12% | 1.35% | 2.54% | 20.99% | 3.60% |
| Q1 2026 | 11.01% | 0.86% | 2.17% | 20.04% | 3.45% |
| Q4 2025 | 11.40% | 0.84% | 2.13% | 19.96% | 3.51% |
| Q3 2025 | 11.38% | 1.07% | 2.42% | 21.23% | 3.52% |
| Q2 2025 | 11.18% | 1.21% | 2.49% | 23.47% | 3.47% |
| Q1 2025 | 10.96% | 0.99% | 3.08% | 23.66% | 3.29% |
| Q4 2024 | 10.89% | 0.98% | 2.24% | 20.03% | 3.25% |
| Q3 2024 | 10.68% | 1.11% | 2.91% | 18.85% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 & Trust Company (main office) | Vidalia , LA | 71373 | $265.8M |
| South Natchez Branch | Natchez , MS | 39120 | $76.3M |
| Ferriday Branch | Ferriday , LA | 71334 | $71.8M |
| Wilkinson County Branch | Woodville , MS | 39669 | $55.0M |
| Downtown Natchez Branch | Natchez , MS | 39120 | $40.4M |
| Monterey Branch | Monterey , LA | 71354 | $38.5M |
| North Natchez Branch | Natchez , MS | 39120 | $23.0M |
| Baton Rouge Branch | Baton Rouge , LA | 70808 | $14.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 14, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 14, 1999 | Structure Change | Acquired Wilkinson County Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 21, 1990 | Structure Change | Acquired United Federal Savings & Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 20, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in LA, rank 53 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 180 applications, 131 loans originated, $23.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $282K approved, $282K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 & Trust Company
What are Concordia Bank & Trust Company's total assets?
As of the Q2 2026 filing, Concordia Bank & Trust Company reported total assets of $667.0 million in its FFIEC call report.
Where is Concordia Bank & Trust Company headquartered?
It is headquartered in Vidalia, LA, United States.
When was Concordia Bank & Trust Company founded?
It was established in 1903, per the FDIC institution directory.
Is Concordia Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8527). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Concordia Bank & Trust Company?
Concordia Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does Concordia Bank & Trust Company operate?
It operates 9 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 & Trust Company's Texas Ratio?
Its Texas Ratio is 20.99% 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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