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Concordia Bank

Concordia, MO · Cert 13788 · 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
Loan mix
94%RE $86.2M5%C&I $4.5M2%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $88.1M23%Noninterest $26.0MQ2 2025Q2 2026

NIM

5.81%Q2 ’245.64%Q2 ’255.82%Q2 ’26-5%+8%

Non-interest income vs. expense

3.01%Q2 ’242.68%Q2 ’252.72%Q2 ’26-10%+3%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #72 of 114 inst. · $0.1B of $99.1B

9.7% Lafayette
4.2% Morgan

Executive Summary

  • Earnings: ROA of 1.65%, up 17 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.32% of loans (-5 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 11.92%, up 80 bps from a year ago.
  • Funding: loans stand at 85.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.65%+17 bps YoY

Net Interest Margin (quarter, annualized)

4.45%+31 bps YoY

Efficiency Ratio (quarter, annualized)

55.56%-277 bps YoY

Tier 1 Leverage Ratio

11.92%+80 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.61%1.33%1.45%1.65%+17 bps
Return on Equity13.68%14.71%12.09%13.08%14.53%+85 bps
Net Interest Margin4.14%4.34%4.23%4.25%4.45%+31 bps
Efficiency Ratio58.33%55.86%61.01%56.73%55.56%-277 bps
Non-Interest Burden2.21%2.22%2.42%2.23%2.27%+6 bps
Growth
Asset Growth (YoY)6.76%10.30%8.55%7.88%5.21%-155 bps
Loan Growth (YoY)0.02%-2.11%0.85%4.72%8.09%+807 bps
Deposit Growth (YoY)9.22%10.05%7.96%7.32%4.38%-484 bps
Asset Quality
Nonperforming Loans / Loans0.37%0.00%0.00%0.34%0.32%-5 bps
Net Charge-Offs / Loans0.00%0.07%0.00%0.00%0.07%+7 bps
Allowance / Loans1.34%1.31%1.32%1.31%1.31%-3 bps
Allowance Coverage of NPLs3.6xn/an/a3.9x4.1x+0.5x
Capital
Tier 1 Leverage Ratio11.12%11.17%11.11%11.44%11.92%+80 bps
Total Risk-Based Capital11.12%11.17%11.11%11.44%11.92%+80 bps
Equity / Assets10.91%10.98%11.09%11.10%11.61%+70 bps
Liquidity & Funding
Loans / Deposits82.66%81.06%82.79%83.65%85.60%+294 bps
Liquid Assets / Assets12.23%9.93%9.48%9.87%8.09%-413 bps
CRE / Total Capitaln/a257%253%263%n/an/a