Concordia Bank & Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Concordia Bank & Trust Company is a locally rooted FDIC-insured community bank based in Vidalia, LA. Total assets stand at $667M. The bank posts a strong 1.35% ROA and 14.05% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.12% exceeds the CBLR threshold. Credit conditions bear watching: 2.12% NPL ratio with a 20.99% Texas Ratio (elevated but below the 100% concern level). 9 branches make up the footprint.
As of June 30, 2026, Concordia Bank & Trust Company reported a Tier 1 leverage ratio of 11.12%, a return on assets of 1.35%, a nonperforming-loan ratio of 2.12%, a Texas ratio of 20.99%, per financial data filed with the FFIEC.
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
- Offices
- 9 domestic
- Employees (FTE)
- 118
- Domestic deposits
- $585.7M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $27K
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Concordia Bank & Trust Company terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Concordia Bank & Trust Company, freeConcordia Bank & Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Concordia Bank & Trust Company: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.12% | 1.35% | 2.12% | 20.99% | 3.60% |
| Q1 2026 | 11.01% | 0.86% | 2.12% | 20.04% | 3.45% |
| Q4 2025 | 11.40% | 0.84% | 2.11% | 19.96% | 3.51% |
| Q3 2025 | 11.38% | 1.07% | 2.23% | 21.23% | 3.52% |
| Q2 2025 | 11.18% | 1.21% | 2.36% | 23.47% | 3.47% |
| Q1 2025 | 10.96% | 0.99% | 2.89% | 23.66% | 3.29% |
| Q4 2024 | 10.89% | 0.98% | 2.12% | 20.03% | 3.25% |
| Q3 2024 | 10.68% | 1.11% | 2.84% | 18.85% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| 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
What the public regulatory sources show for Concordia Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Concordia Bank & Trust Company’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Concordia Bank & Trust Company with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Concordia Bank & Trust Company headquartered?
Concordia Bank & Trust Company is headquartered in Vidalia, LA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Concordia Bank & Trust Company founded?
Concordia Bank & Trust Company was established in 1903, per the FDIC institution directory.
Is Concordia Bank & Trust Company FDIC-insured?
Yes. Concordia Bank & Trust Company 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Concordia Bank & Trust Company operate?
Concordia Bank & Trust Company 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?
Concordia Bank & Trust Company's Texas Ratio is 20.99% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Concordia Bank & Trust Company.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Concordia Bank & Trust Company, freeFree account