Concordia Bank & Trust Company
Vidalia, LA · Cert 8527 · Peer group: banks under $1B in assets (n=581-629) · Concordia Capital Corp.
State charter, non-member · FDIC · 8 branches
Q2 2026
$667.0MAssets
$360.4MLoans
$585.7MDeposits
$65.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 47% of banks under $1B in assets (rank 336 of 629).
- Widest gap: nonperforming loans / loans trails 91% of banks under $1B in assets (rank 528 of 581).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.88%
Rank 381 of 629
Net Interest Margin
3.22%
Rank 423 of 629
Efficiency Ratio
69.61%
Rank 345 of 629
Equity / Assets
9.84%
Rank 390 of 629
Non-interest income vs. expense
Unfavorable gap of $14.3M · efficiency ratio beats 45% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.60% | 1.01% | 1.45% | Beats 39% | 381 / 629 | |
| Return on Equity | 8.96% | 5.38% | 9.30% | 13.28% | Beats 47% | 336 / 629 | |
| Net Interest Margin | 3.22% | 3.03% | 3.54% | 4.05% | Beats 33% | 423 / 629 | |
| Efficiency Ratio | 69.61% | 58.35% | 67.79% | 79.08% | Beats 45% | 345 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.54% | 0.09% | 0.46% | 1.20% | Beats 9% | 528 / 581 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 38% | 362 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 11.12% | 11.24% | 13.84% | 18.77% | Beats 24% | 478 / 629 | |
| Total Risk-Based Capital Ratio | 11.12% | 11.58% | 14.43% | 19.66% | Beats 20% | 504 / 629 | |
| Equity / Assets | 9.84% | 9.09% | 10.65% | 13.80% | Beats 38% | 390 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 61.53% | 67.24% | 80.90% | 93.48% | 19th pctl | 480 / 594 | |
| Loans / Assets | 54.03% | 53.31% | 67.71% | 78.15% | 26th pctl | 466 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |