Bank call report · Vidalia, LA
Concordia Bank & Trust Company Call Report
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Concordia Bank & Trust Company filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 317 reported line items, schedule by schedule (376 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 819556 |
| FDIC certificate number | 8527 |
| Total assets | $667.0M |
Official Q2 2026 call report PDF (FFIEC) →
Concordia Bank & Trust Company call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (29 items)
About Schedule RC · Concordia Bank & Trust Company balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $667.0M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $667.0M |
| Total Liabilities and Minority Interest | RCON2948 | $601.4M |
| Total Deposits | RCON2200 | $585.7M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $409.4M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $360.4M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $356.5M |
| Deposits: Noninterest-bearing | RCON6631 | $176.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $107.8M |
| Held-to-maturity Securities, Total | RCON1754 | $103.4M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $103.4M |
| Total Equity Capital | RCON3210 | $65.6M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $65.6M |
| Interest-bearing Balances | RCON0071 | $48.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $37.3M |
| Surplus | RCON3839 | $36.6M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $15.0M |
| Other Assets | RCON2160 | $13.2M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $11.9M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $11.8M |
| Accumulated Other Comprehensive Income | RCONB530 | -$10.8M |
| Other Real Estate Owned | RCON2150 | $5.1M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.9M |
| Other Liabilities, Total | RCON2930 | $3.9M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $3.3M |
| Common Stock | RCON3230 | $2.5M |
| Goodwill | RCON3163 | $1.4M |
| Intangible Assets | RCON2143 | $1.4M |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $1.3M |
Schedule RI: Income Statement (41 items)
About Schedule RI · Concordia Bank & Trust Company income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $15.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $11.9M |
| Net Interest Income | RIAD4074 | $10.9M |
| Total Noninterest Expense | RIAD4093 | $8.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $7.8M |
| Salaries and Employee Benefits | RIAD4135 | $5.5M |
| Total Interest Expense | RIAD4073 | $4.9M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $3.7M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.7M |
| Net Income (Loss) | RIAD4340 | $3.7M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.7M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $3.7M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.1M |
| Other Noninterest Expense | RIAD4092 | $2.1M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.5M |
| Total Noninterest Income | RIAD4079 | $1.4M |
| Interest on Other Securities | RIAD4060 | $1.2M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $967K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $943K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $835K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $751K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $748K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $736K |
| Other Noninterest Income | RIADB497 | $705K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $562K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $403K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $275K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $262K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $237K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $228K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $69K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $62K |
| Provision for Loan and Lease Losses | RIAD4230 | $38K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$34K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $13K |
| Noninterest income: Income from insurance activities | RIADHT74 | $11K |
| Other Interest Income | RIAD4518 | $8K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 118 |
Schedule RC-B: Securities (44 items)
About Schedule RC-B · Concordia Bank & Trust Company securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $4.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $3.8M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCONG312 | $10.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG313 | $10.0M |
| Pledged Securities | RCON0416 | $196.3M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $118.6M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $101.3M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $81.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $73.0M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $72.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities: Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCONK142 | $42.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCONK143 | $41.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $40.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $29.1M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $24.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $23.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $21.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $18.8M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $17.4M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $17.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $15.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $13.1M |
| Asset-backed securities and structured financial products, Structured financial products, Held-to-maturity, Amortized Cost | RCONHT58 | $13.0M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Held-to-maturity: Amortized Cost | RCONPU98 | $13.0M |
| Asset-backed securities and structured financial products, Structured financial products, Held-to-maturity, Fair Value | RCONHT59 | $12.9M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Held-to-maturity: Fair Value | RCONPU99 | $12.9M |
| Amortized Cost of Held-to-maturity U.S. Treasury Securities | RCON0211 | $10.9M |
| Fair Value of Held-to-maturity U.S. Treasury Securities | RCON0213 | $10.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $7.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCONK150 | $5.3M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $5.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $5.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCONK151 | $5.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost | RCONHT54 | $4.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $4.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value | RCONHT55 | $4.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $3.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $3.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $3.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $2.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $2.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $1.8M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $1.5M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $1.5M |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · Concordia Bank & Trust Company loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $360.4M |
| Pledged Loans and Leases | RCONG378 | $347.0M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $130.7M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $86.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $79.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $66.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $66.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $58.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $50.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $36.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $31.2M |
| Real Estate Loans Secured by Farmland | RCON1420 | $22.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $21.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $20.2M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $19.8M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $18.6M |
| Commercial and Industrial Loans | RCON1766 | $18.4M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $15.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $14.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $12.1M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $9.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $8.2M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $7.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $6.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $6.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $2.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.4M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $1.4M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $846K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $422K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $416K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $45.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $8.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $7.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $6.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $5.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $4.6M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $2.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $2.8M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $1.9M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $1.9M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $1.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $1.1M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 262 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 117 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 79 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 76 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 75 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 44 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 24 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 24 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 23 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 16 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 15 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 8 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · Concordia Bank & Trust Company deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $301.6M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $284.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $255.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $197.6M |
| Total Demand Deposits (See Note Below) | RCON2210 | $176.3M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $104.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $98.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $82.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $78.8M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $76.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $72.0M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $64.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $54.3M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $40.3M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $28.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $24.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $22.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $19.2M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $19.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $13.1M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $10.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $5.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $979K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $7.8M |
| Accrued Interest Receivable | RCONB556 | $3.7M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.0M |
| Other Assets | RCON2168 | $640K |
| Prepaid Expenses | RCON2166 | $412K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $1.9M |
| Deferred Compensation Liabilities | RCONC011 | $1.9M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.1M |
| Other Expenses Accrued and Unpaid | RCON3646 | $816K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $30K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Concordia Bank & Trust Company quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $676.4M |
| Quarterly Average of Total Loans | RCON3360 | $367.0M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $247.7M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $127.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $113.9M |
| All Other Securities | RCONB560 | $109.6M |
| Mortgage-backed Securities | RCONB559 | $95.6M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $88.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $80.8M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $79.7M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $41.0M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $19.9M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $14.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $13.0M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $12.2M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $6.6M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Concordia Bank & Trust Company derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $47.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $18.3M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $18.2M |
| Performance Standby Letters of Credit | RCON3821 | $2.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $1.8M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $529K |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · Concordia Bank & Trust Company memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $10.8M |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $2.4M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $1.9M |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $1.0M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $849K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (25 items)
About Schedule RC-N · Concordia Bank & Trust Company past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $7.7M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $7.5M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $2.3M |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $1.5M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $779K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $769K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $422K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 90 or More Days and Still Accruing. | RCONF175 | $400K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $387K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF180 | $297K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF181 | $253K |
| Additions to Nonaccrual Assets | RCONC410 | $209K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $176K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $141K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $106K |
| All Other Loans - Nonaccrual | RCON5461 | $95K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $81K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $81K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $53K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $37K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $32K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $22K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing | RCON1594 | $22K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $19K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Concordia Bank & Trust Company other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $676.4M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $586.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $297.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $269.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $75.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $16.6M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $2.6M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 16,331 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 433 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 320 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 7 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (20 items)
About Schedule RC-R, Part I · Concordia Bank & Trust Company regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $676.4M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $675.0M |
| Total Assets | RCOA2170 | $667.0M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $84.2M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $81.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $75.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $75.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $75.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $65.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $39.1M |
| Retained Earnings | RCOAKW00 | $37.3M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$10.8M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$10.8M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $3.1M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $1.4M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $1.4M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.1262 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1112 |
Schedule RC-T: Fiduciary and Related Services (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Income from Fiduciary Activities | RIAD4070 | $6K |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $65.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $64.5M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $64.4M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $2.5M |
| Other Comprehensive Income | RIADB511 | -$82K |
| Restatements Due to Corrections of Material Accounting Errors and Changes in Accounting Principles | RIADB507 | -$25K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (13 items)
About Schedule RI-B, Part I · Concordia Bank & Trust Company charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $95K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $68K |
| Charge-offs on All Other Loans | RIAD4644 | $41K |
| Charge-offs on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4655 | $41K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $33K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $31K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $18K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $10K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $10K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $9K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $7K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $2K |
| Other Construction Loans and All Land Development and Other Land Loans, Charge-offs | RIADC893 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)
About Schedule RI-B, Part II · Concordia Bank & Trust Company changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $3.9M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.9M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $95K |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $33K |
| Provisions for credit losses, Held-to-maturity debt securities | RIADJH90 | $18K |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $15K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $6K |
Schedule RI-E: Explanations (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Statement Due to Corrections of Material Accounting Errors and Changes in Accounting Principles from Prior Years | RIADB526 | -$21K |
| Second Itemized Restatement Due to Corrections of Material Accounting Errors and Changes in Accounting Principles from Prior Years | RIADB527 | -$4K |
Concordia Bank & Trust Company call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Concordia Bank & Trust Company call report?
The Concordia Bank & Trust Company call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Concordia Bank & Trust Company file?
Concordia Bank & Trust Company files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Concordia Bank & Trust Company call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Concordia Bank & Trust Company has Federal Reserve RSSD ID 819556 and FDIC certificate number 8527. Either one finds its filings on the FFIEC Central Data Repository.
How often does Concordia Bank & Trust Company file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Concordia Bank & Trust Company financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 8527) · FFIEC NIC profile (RSSD 819556)