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Concordia Bank Of Concordia, Missouri
Concordia, MO · FDIC Certificate #13788 · Chartered 05/0
Total assets
$129.99M
Total deposits
$114.11M
Total equity
$15.09M
Net loans
$96.40M
Branches (offices)
4
Net income (YTD)
$1.01M
Rank: #3,461 of 4,213 U.S. banks by assets · #159 of 190 in Missouri. Assets changed 5.2% and deposits 4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.56% |
| Return on equity | 13.80% |
| Net interest margin (YTD) | 4.66% |
| Equity to assets | 11.61% |
| Tier 1 leverage ratio | 11.92% |
| Uninsured deposits (share of deposits) | 7.2% |
| Noncurrent loans (share of loans) | 0.32% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 84.5% |
| Real estate loans (share of loans) | 91.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $88.09M | 91.4% | |
| Commercial & industrial | $4.26M | 4.4% | |
| Consumer / individual | $1.33M | 1.4% | |
| Construction & development | $11.72M | 12.2% | |
| Agricultural | $3.83M | 4.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $106.68M | $96.63M | $526.00K | $9.63M |
| Jun 2023 | $103.44M | $92.49M | $504.00K | $10.62M |
| Jun 2024 | $115.74M | $100.10M | $536.00K | $11.90M |
| Jun 2025 | $123.56M | $109.33M | $824.00K | $13.48M |
| Jun 2026 | $129.99M | $114.11M | $1.01M | $15.09M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $114.11M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $114.11M.
Similar-sized banks
1St Equity Bank ($130.02M) · SSB Bank ($129.92M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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