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Letter portraitLegal landscape

Concordia Bank

Concordia, MO · Cert 13788 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Northern MO Bancshares Inc.

State charter, non-member · FDIC · 2 affiliate banks · 4 branches (20 in holding)

Q2 2026

$130.0MAssets
$97.7MLoans
$114.1MDeposits
$15.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 68% of banks under $1B in assets in the Kansas City, MO-KS area (rank 13 of 40).
  • Widest gap: total risk-based capital ratio trails 67% of banks under $1B in assets in the Kansas City, MO-KS area (rank 27 of 40).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.55%

Rank 16 of 40

Net Interest Margin

4.36%

Rank 17 of 40

Efficiency Ratio

56.13%

Rank 16 of 40

Equity / Assets

11.61%

Rank 13 of 40

Non-interest income vs. expense

$0.6M$3.5MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 62% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 56.13%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.55%1.02%1.39%1.86%Beats 60%16 / 40
Return on Equity13.35%10.74%14.78%21.32%Beats 33%27 / 40
Net Interest Margin4.36%3.33%4.05%4.63%Beats 57%17 / 40
Efficiency Ratio56.13%51.70%58.10%69.29%Beats 62%16 / 40
Asset Quality
Nonperforming Loans / Loans0.32%0.05%0.20%1.11%Beats 44%23 / 39
Net Charge-Offs / Loans0.02%n/a0.00%0.05%Beats 33%27 / 39
Capital
Tier 1 Capital Ratio11.92%11.32%12.27%16.94%Beats 40%24 / 40
Total Risk-Based Capital Ratio11.92%11.32%13.09%17.63%Beats 33%27 / 40
Equity / Assets11.61%8.41%10.10%12.34%Beats 68%13 / 40
Liquidity & Funding
Loans / Deposits85.60%73.50%85.60%94.85%50th pctl20 / 40
Loans / Assets75.15%62.75%69.87%79.23%57th pctl17 / 40
Brokered Deposits / Depositsn/aNot reported for this institution