Bank Safety Analysis
Is Concordia Bank & Trust Company Safe?
Concordia Bank & Trust Company meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
Return on assets climbed 0.49 percentage points in Q2 2026, from 0.86% to 1.35%. It was the largest change from Q1 2026 among the key lines here. Concordia Bank & Trust Company ranks 67th of 103 Louisiana banks on leverage ratio, in the lower half at 11.12% (Q2 2026). At 11.12%, Concordia Bank & Trust Company's leverage ratio is close to the 10.92% median for banks in the $100M-1B asset tier (Q2 2026). From Q3 2023 to Q2 2026, Concordia Bank & Trust Company's Texas ratio ranged between 17.90% (Q3 2023) and 23.66% (Q1 2025). Compared with Q2 2025, Concordia Bank & Trust Company's noncurrent loans to total loans from 2.36% to 2.12%, Texas ratio from 23.47% to 20.99%, return on assets from 1.21% to 1.35% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,672 banks) · Industry averages as of Q2 2026.
Leverage ratio of 11.12% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 11.12% is above the 5% well-capitalized threshold.
Nonperforming loans at 2.12% are elevated; merits closer attention.
Texas Ratio of 21.0% is well below the 100% historical failure threshold.
Efficiency ratio of 67.0% reflects competitive operating costs (lower is better).
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 20.99% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 2.12% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 61.53% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 124.71% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 3.27% | Watch at 10%, concern at 25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 20.99% |
| Q1 2026 | 20.04% |
| Q4 2025 | 19.96% |
| Q3 2025 | 21.23% |
| Q2 2025 | 23.47% |
| Q1 2025 | 23.66% |
| Q4 2024 | 20.03% |
| Q3 2024 | 18.85% |
| Q2 2024 | 21.16% |
| Q1 2024 | 21.50% |
| Q4 2023 | 20.67% |
| Q3 2023 | 17.90% |
Concordia Bank & Trust Company by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 2.12% | 20.99% | 1.35% |
| Mar 31, 2026 | — | 2.12% | 20.04% | 0.86% |
| Dec 31, 2025 | — | 2.11% | 19.96% | 0.84% |
| Sep 30, 2025 | — | 2.23% | 21.23% | 1.07% |
| Jun 30, 2025 | — | 2.36% | 23.47% | 1.21% |
| Mar 31, 2025 | — | 2.89% | 23.66% | 0.99% |
| Dec 31, 2024 | — | 2.12% | 20.03% | 0.98% |
| Sep 30, 2024 | — | 2.84% | 18.85% | 1.11% |
| Jun 30, 2024 | — | 2.94% | 21.16% | 0.82% |
| Mar 31, 2024 | — | 2.84% | 21.50% | 0.79% |
| Dec 31, 2023 | — | 2.89% | 20.67% | 0.53% |
| Sep 30, 2023 | — | 2.23% | 17.90% | 2.56% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Concordia Bank & Trust Company FDIC insured?
Yes. Concordia Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #8527). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Concordia Bank & Trust Company well capitalized?
Yes. Concordia Bank & Trust Company reports a Community Bank Leverage Ratio of 11.12%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is Concordia Bank & Trust Company's nonperforming loan ratio?
As of the most recent call report, Concordia Bank & Trust Company's nonperforming loan ratio is 2.12%. Nonperforming loans at 2.12% are elevated; merits closer attention.
What is Concordia Bank & Trust Company's Texas Ratio?
Concordia Bank & Trust Company's Texas Ratio is 20.99%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 8527) · FFIEC NIC profile (RSSD 819556)
Explore: Full Concordia Bank & Trust Company profile · Other banks in LA · Metric glossary · How the call report works