Concordia Bank & Trust Company: 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.
The standout move of Q2 2026 was in Core deposits to total deposits: 1.45 percentage points lower than in Q1 2026, at 85.86%. Concordia Bank & Trust Company ranks 46th of 103 Louisiana banks on return on assets, in the upper half at 1.35% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Concordia Bank & Trust Company sits 0.09 points higher, at 1.35% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.12% |
| Equity capital to assets | 9.84% |
| Tangible equity to tangible assets | 9.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.12% |
| Non-performing assets ratio | 1.92% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 20.99% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 51.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 14.05% |
| Net interest margin | 3.60% |
| Efficiency ratio | 67.01% |
| Yield on earning assets | 5.14% |
| Cost of funds | 1.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.53% |
| Core deposits to total deposits | 85.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.81% |
| Securities to assets | 32.16% |
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 | 10.46% | 2.56% | 2.85% | 2.23% | 0.02% |
| Q4 2023 | 10.38% | 0.53% | 2.83% | 2.89% | 0.02% |
| Q1 2024 | 10.55% | 0.79% | 2.93% | 2.84% | 0.04% |
| Q2 2024 | 10.46% | 0.82% | 2.98% | 2.94% | 0.02% |
| Q3 2024 | 10.68% | 1.11% | 3.13% | 2.84% | 0.02% |
| Q4 2024 | 10.89% | 0.98% | 3.25% | 2.12% | 0.06% |
| Q1 2025 | 10.96% | 0.99% | 3.29% | 2.89% | 0.03% |
| Q2 2025 | 11.18% | 1.21% | 3.47% | 2.36% | 0.01% |
| Q3 2025 | 11.38% | 1.07% | 3.52% | 2.23% | 0.58% |
| Q4 2025 | 11.40% | 0.84% | 3.51% | 2.11% | 0.03% |
| Q1 2026 | 11.01% | 0.86% | 3.45% | 2.12% | 0.03% |
| Q2 2026 | 11.12% | 1.35% | 3.60% | 2.12% | -0.00% |
Concordia Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Concordia Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8527) · FFIEC NIC profile (RSSD 819556)