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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 $3.3MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $63.8M19%Noninterest $15.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.01%, down 60 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 2.73% of loans (-49 bps YoY), with net charge-offs at 0.09%.
  • 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.

Return on Assets (YTD, annualized)

1.01%-60 bps YoY

Net Interest Margin (YTD, annualized)

3.93%-64 bps YoY

Efficiency Ratio (YTD, annualized)

60.52%+461 bps YoY

Tier 1 Leverage Ratio

10.13%-92 bps YoY

NIM

6.25%Q2 ’246.56%Q2 ’255.81%Q2 ’26-2%-14%

Non-interest income vs. expense

2.82%Q2 ’242.77%Q2 ’252.61%Q2 ’26-1%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.52%1.65%1.61%1.57%1.46%0.78%1.01%-60 bps
Return on Equity16.48%15.43%15.87%15.59%15.13%14.20%7.93%10.23%-535 bps
Net Interest Margin4.65%4.67%4.50%4.57%4.40%4.22%3.96%3.93%-64 bps
Efficiency Ratio57.58%59.93%54.77%55.91%57.01%58.93%69.81%60.52%+461 bps
Non-Interest Burden2.51%2.64%2.30%2.39%2.35%2.32%2.64%2.23%-16 bps
Growth
Asset Growth (YoY)0.59%-0.80%-1.40%6.14%8.28%18.14%15.69%9.96%+382 bps
Loan Growth (YoY)12.31%9.55%10.12%9.35%8.60%3.92%2.63%-2.78%-1,213 bps
Deposit Growth (YoY)-1.32%-1.97%-2.59%2.65%6.43%18.97%16.85%13.56%+1,091 bps
Asset Quality
Nonperforming Loans / Loans1.28%1.61%3.52%3.23%2.71%2.76%2.63%2.73%-49 bps
Net Charge-Offs / Loans0.00%0.03%0.04%0.02%0.04%0.27%0.00%0.09%+7 bps
Allowance / Loans2.20%2.09%2.11%2.07%2.09%1.93%1.99%2.22%+14 bps
Allowance Coverage of NPLs1.7x1.3x0.6x0.6x0.8x0.7x0.8x0.8x+0.2x
Capital
Tier 1 Leverage Ratio10.86%11.19%11.00%11.05%10.78%10.80%10.25%10.13%-92 bps
Total Risk-Based Capital14.84%15.16%15.24%15.02%15.66%15.91%15.68%16.41%+140 bps
Equity / Assets10.27%10.46%10.33%10.16%10.61%10.03%9.56%9.92%-24 bps
Liquidity & Funding
Loans / Deposits95.21%98.35%94.23%97.33%97.15%85.91%82.76%83.32%-1,401 bps
Liquid Assets / Assets4.08%4.12%3.88%2.46%2.54%2.41%2.34%2.40%-6 bps
CRE / Total Capitaln/an/an/an/a140.96%141.39%138.75%n/an/a