Vidalia, LA · Cert 8527 · Concordia Capital Corp.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Baton Rouge, LA · 2026 SOD (annual) · 0.1% share · #36 of 40 inst. · $0.0B of $26.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.88% | 0.83% | 0.70% | 0.89% | -1 bps | |
| Return on Equity | 9.69% | 9.38% | 8.72% | 7.16% | 9.08% | -61 bps | |
| Net Interest Margin | 3.13% | 3.16% | 3.20% | 3.14% | 3.22% | +10 bps | |
| Efficiency Ratio | 70.93% | 71.61% | 72.59% | 71.08% | 69.61% | -131 bps | |
| Non-Interest Burden | 2.09% | 2.13% | 2.19% | 2.11% | 2.11% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.04% | -1.72% | 1.23% | 4.33% | 5.17% | +921 bps | |
| Loan Growth (YoY) | -1.20% | -5.23% | -0.22% | -1.33% | -2.84% | -164 bps | |
| Deposit Growth (YoY) | 0.52% | 1.10% | 0.71% | 4.69% | 5.34% | +482 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.49% | 2.42% | 2.13% | 2.17% | 2.54% | +6 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.21% | 0.16% | 0.03% | 0.01% | 0 bps | |
| Allowance / Loans | 1.15% | 1.05% | 1.06% | 1.07% | 1.09% | -6 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.4x | 0.5x | 0.5x | 0.4x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.18% | 11.38% | 11.40% | 11.01% | 11.12% | -7 bps | |
| Total Risk-Based Capital | 11.18% | 11.38% | 11.40% | 11.01% | 11.12% | -7 bps | |
| Equity / Assets | 9.41% | 9.92% | 9.93% | 9.56% | 9.84% | +43 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.70% | 63.43% | 64.69% | 61.42% | 61.53% | -518 bps | |
| Liquid Assets / Assets | 16.45% | 20.26% | 19.01% | 23.43% | 22.70% | +625 bps | |
| CRE / Total Capital | n/a | 301% | 322% | 315% | n/a | n/a | |