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Concorde Bank

Blomkest, MN · Cert 9727 · Matson Financial Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$88.3MAssets
$65.9MLoans
$79.1MDeposits
$8.8MEquity
Loan mix
80%RE $52.3M15%C&I $9.6M5%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $63.8M19%Noninterest $15.3MQ2 2025Q2 2026

NIM

6.39%Q2 ’246.70%Q2 ’255.92%Q2 ’26-2%-14%

Non-interest income vs. expense

2.53%Q2 ’242.88%Q2 ’252.26%Q2 ’26+17%-24%

Executive Summary

  • Earnings: ROA of 1.12%, down 44 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 2.73% of loans (-49 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 10.13%, down 92 bps from a year ago.
  • Funding: loans stand at 83.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.12%-44 bps YoY

Net Interest Margin (quarter, annualized)

4.01%-63 bps YoY

Efficiency Ratio (quarter, annualized)

51.57%-544 bps YoY

Tier 1 Leverage Ratio

10.13%-92 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%1.49%1.17%0.78%1.12%-44 bps
Return on Equity15.27%14.34%11.39%7.93%11.54%-373 bps
Net Interest Margin4.65%4.50%4.07%3.96%4.01%-63 bps
Efficiency Ratio57.01%59.12%64.74%69.81%51.57%-544 bps
Non-Interest Burden2.48%2.49%2.45%2.64%1.89%-59 bps
Growth
Asset Growth (YoY)6.14%8.28%18.14%15.69%9.96%+382 bps
Loan Growth (YoY)9.35%8.60%3.92%2.63%-2.78%-1,213 bps
Deposit Growth (YoY)2.65%6.43%18.97%16.85%13.56%+1,091 bps
Asset Quality
Nonperforming Loans / Loans3.23%2.71%2.76%2.63%2.73%-49 bps
Net Charge-Offs / Loans0.00%0.08%0.95%0.00%0.18%+18 bps
Allowance / Loans2.07%2.09%1.93%1.99%2.22%+14 bps
Allowance Coverage of NPLs0.6x0.8x0.7x0.8x0.8x+0.2x
Capital
Tier 1 Leverage Ratio11.05%10.78%10.80%10.25%10.13%-92 bps
Total Risk-Based Capital15.02%15.66%15.91%15.68%16.41%+140 bps
Equity / Assets10.16%10.61%10.03%9.56%9.92%-24 bps
Liquidity & Funding
Loans / Deposits97.33%97.15%85.91%82.76%83.32%-1,401 bps
Liquid Assets / Assets2.46%2.54%2.41%2.34%2.40%-6 bps
CRE / Total Capitaln/a140.96%141.39%138.75%n/an/a