Concorde Bank
Blomkest, MN · Cert 9727 · Peer group: banks under $1B in assets in MN (n=112-114) · Matson Financial Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$88.3MAssets
$65.9MLoans
$79.1MDeposits
$8.8MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 62% of banks under $1B in assets in MN (rank 43 of 114).
- Widest gap: nonperforming loans / loans trails 89% of banks under $1B in assets in MN (rank 101 of 112).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.01%
Rank 72 of 114
Net Interest Margin
3.93%
Rank 54 of 114
Efficiency Ratio
60.52%
Rank 52 of 114
Equity / Assets
9.92%
Rank 62 of 114
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 55% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.87% | 1.20% | 1.41% | Beats 37% | 72 / 114 | |
| Return on Equity | 10.16% | 8.92% | 11.27% | 13.99% | Beats 38% | 71 / 114 | |
| Net Interest Margin | 3.93% | 3.39% | 3.88% | 4.31% | Beats 53% | 54 / 114 | |
| Efficiency Ratio | 60.52% | 54.13% | 61.64% | 69.86% | Beats 55% | 52 / 114 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.73% | 0.09% | 0.58% | 1.82% | Beats 11% | 101 / 112 | |
| Net Charge-Offs / Loans | 0.09% | n/a | 0.00% | 0.04% | Beats 18% | 93 / 112 | |
| Capital |
| Tier 1 Capital Ratio | 15.15% | 11.46% | 13.31% | 18.13% | Beats 60% | 46 / 114 | |
| Total Risk-Based Capital Ratio | 16.41% | 12.01% | 14.43% | 19.39% | Beats 62% | 43 / 114 | |
| Equity / Assets | 9.92% | 8.52% | 10.22% | 11.94% | Beats 46% | 62 / 114 | |
| Liquidity & Funding |
| Loans / Deposits | 83.32% | 62.85% | 77.32% | 88.06% | 65th pctl | 39 / 112 | |
| Loans / Assets | 74.66% | 55.01% | 66.35% | 75.50% | 70th pctl | 34 / 114 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |