Concordia Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Concordia Bank & Trust Company of Vidalia, LA 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 | 1.35% | 1.35% | +0.00% | 55th above |
| ROAE | 14.05% | 12.05% | +2.00% | 60th above |
| Net Interest Margin | 3.60% | 3.90% | -0.30% | 32nd below |
| Efficiency Ratio | 67.01% | 63.15% | +3.86% | 35th below |
| PPNR / Avg Assets | 1.18% | 1.64% | -0.46% | 28th below |
| Yield on Earning Assets | 5.14% | 5.65% | -0.51% | 28th below |
| Cost of Funds | 1.62% | 1.85% | -0.23% | 61st above |
| Net Interest Spread | 2.85% | 3.35% | -0.50% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.12% | 0.92% | +1.20% | 12th bottom |
| NPA / Total Assets | 1.92% | 0.67% | +1.25% | 8th bottom |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 74th above |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 36th below |
| ACL / NPLs (Coverage) | 51.11% | 1645.82% | -1594.71% | 11th bottom |
| Texas Ratio | 20.99% | 7.14% | +13.85% | 7th bottom |
| Provision / NCO | 140.74% | 1189.84% | -1049.10% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.12% | 12.46% | -1.34% | 53rd above |
| Equity / Assets | 9.84% | 11.67% | -1.83% | 42nd below |
| TCE / Tangible Assets | 9.65% | 11.40% | -1.75% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.53% | 78.65% | -17.12% | 82nd top |
| Core Deposit Ratio | 85.86% | 87.09% | -1.23% | 34th below |
| Wholesale Funding Ratio | 1.77% | 5.11% | -3.34% | 72nd above |
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. | 5.17% | 6.47% | -1.30% | 56th above |
| Loan Growth (Y/Y) | -2.84% | 7.64% | -10.48% | 12th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.34% | 6.02% | -0.68% | 60th above |
See Concordia Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Concordia Bank & Trust Company, 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 & Trust Company profile, how to read a UBPR, or how this data updates.