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Concordia Bank & Trust Company

Vidalia, LA · Cert 8527 · Concordia Capital Corp.

State charter, non-member · FDIC · 8 branches

Q2 2026

$667.0MAssets
$360.4MLoans
$585.7MDeposits
$65.6MEquity
Loan mix
91%RE $324.5M5%C&I $19.0M4%Consumer $13.4MQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $409.4M30%Noninterest $176.3MQ3 2024Q2 2026

Market Position · Baton Rouge, LA · 2026 SOD (annual) · 0.1% share · #36 of 40 inst. · $0.0B of $26.7B

56.4% Concordia
19.0% Adams
47.2% Wilkinson
0.1% East Baton Rouge

Executive Summary

  • Earnings: ROA of 0.89%, down 1 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 2.54% of loans (+6 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.12%, down 7 bps from a year ago.
  • Funding: loans stand at 61.53% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.89%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+10 bps YoY

Efficiency Ratio (YTD, annualized)

69.61%-131 bps YoY

Tier 1 Leverage Ratio

11.12%-7 bps YoY

NIM

4.36%Q2 ’244.61%Q2 ’254.67%Q2 ’26+14%+3%

Non-interest income vs. expense

2.36%Q2 ’242.52%Q2 ’252.53%Q2 ’26+8%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.74%0.81%0.89%0.88%0.83%0.70%0.89%-1 bps
Return on Equity8.38%8.53%8.91%9.69%9.38%8.72%7.16%9.08%-61 bps
Net Interest Margin2.80%2.90%3.02%3.13%3.16%3.20%3.14%3.22%+10 bps
Efficiency Ratio72.91%72.82%71.76%70.93%71.61%72.59%71.08%69.61%-131 bps
Non-Interest Burden1.90%1.97%2.04%2.09%2.13%2.19%2.11%2.11%+2 bps
Growth
Asset Growth (YoY)-1.61%-6.53%-4.67%-4.04%-1.72%1.23%4.33%5.17%+921 bps
Loan Growth (YoY)3.16%-0.17%-2.34%-1.20%-5.23%-0.22%-1.33%-2.84%-164 bps
Deposit Growth (YoY)-1.72%-0.70%-0.81%0.52%1.10%0.71%4.69%5.34%+482 bps
Asset Quality
Nonperforming Loans / Loans2.91%2.24%3.08%2.49%2.42%2.13%2.17%2.54%+6 bps
Net Charge-Offs / Loans0.03%0.04%0.03%0.02%0.21%0.16%0.03%0.01%0 bps
Allowance / Loans1.09%1.13%1.13%1.15%1.05%1.06%1.07%1.09%-6 bps
Allowance Coverage of NPLs0.4x0.5x0.4x0.5x0.4x0.5x0.5x0.4x0.0x
Capital
Tier 1 Leverage Ratio10.68%10.89%10.96%11.18%11.38%11.40%11.01%11.12%-7 bps
Total Risk-Based Capital10.68%10.89%10.96%11.18%11.38%11.40%11.01%11.12%-7 bps
Equity / Assets9.38%8.97%9.27%9.41%9.92%9.93%9.56%9.84%+43 bps
Liquidity & Funding
Loans / Deposits67.66%65.29%65.17%66.70%63.43%64.69%61.42%61.53%-518 bps
Liquid Assets / Assets16.49%16.11%17.40%16.45%20.26%19.01%23.43%22.70%+625 bps
CRE / Total Capitaln/an/an/an/a301%322%315%n/an/a