BlastPoint's Banking Scorecard
Concordia Bank of Concordia, Missouri
Concordia, MO
4 branches across MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
- Deposits +4.4% year over year ($114.1M on the books).
- Delinquency rate 0.32%.
- Return on assets 1.56%.
- Efficiency ratio 56.13% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.48% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Concordia Bank of Concordia, Missouri shows strong momentum with 4 strengths and 5.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.23% above tier average
- + Net Interest Margin 0.67% above tier average
- + Efficiency Ratio 8.35% below tier average
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$130.0M
+5.2% YoY
-0.8% QoQ
|
-$256.6M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.2% in tier |
| Total Loans ? |
$96.4M
+8.1% YoY
+1.0% QoQ
|
-$161.9M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
18% |
| Total Deposits ? |
$114.1M
+4.4% YoY
-1.3% QoQ
|
-$212.6M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.8% in tier |
| Return on Assets ? |
1.56%
+14.0% YoY
+7.2% QoQ
|
+0.23% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
4.66%
+3.8% YoY
+2.1% QoQ
|
+0.67% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
84% |
| Efficiency Ratio ? |
56.13%
-5.6% YoY
-1.1% QoQ
|
-8.35% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
69% |
| Delinquency Rate ? |
0.32%
-14.4% YoY
-5.9% QoQ
|
-0.60% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
84.48%
+3.6% YoY
+2.3% QoQ
|
+6.53% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
22.77%
+0.4% YoY
+4.2% QoQ
|
+0.74% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.28%
-11.1% YoY
-3.5% QoQ
|
-0.39% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
11.92%
+7.2% YoY
+4.2% QoQ
|
-3.99% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.22%
-12.2% YoY
+110.6% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
55% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.8%
+0.1pp YoY +0.9pp QoQ |
+0.6pp | 22.1% | 20.9% | 22.2% | 58% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.4%
-0.6pp YoY -0.3pp QoQ |
-7.1pp | 11.6% | 12.3% | 12.5% | 16% |
| CRE |
40.6%
-0.4pp QoQ |
+1.0pp | 39.5% | 36.8% | 41.4% | 54% |
| 1-4 Family |
48.4%
-1.2pp YoY +1.3pp QoQ |
+15.7pp | 32.6% | 31.9% | 31.3% | 80% |
| Consumer |
1.4%
-0.3pp YoY -0.2pp QoQ |
-2.7pp | 4.1% | 4.1% | 5.0% | 37% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
11.9%
+0.8pp YoY +0.5pp QoQ |
-0.2pp | 12.2% | 11.6% | 12.6% | 64% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
24
+1 (+4.3%) YoY 0 QoQ |
-35 | 58 | 162 | 482 | 17% |
| Assets per Employee ($) |
$5.4M
+0.8% YoY -0.8% QoQ |
-$2.1M | $7.5M | $8.0M | $8.8M | 21% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 10 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 0.9% | 0.8% | 1.0% | 40% |
| Allowance Coverage |
4.13x
+14.6% YoY +6.5% QoQ |
-20.02x | 24.15x | 10.47x | 20.23x | 66% |
| Net Charge-off Rate (YTD) | 0.0% | -0.1pp | 0.1% | 0.3% | 0.2% | 61% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.8%
+1.1pp YoY +0.7pp QoQ |
+1.6pp | 12.2% | 14.3% | 11.6% | 61% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 36% |
| Net Income ($, YTD) |
$1.0M
+22.2% YoY — QoQ |
-$1.5M | $2.6M | $11.3M | $40.4M | 27% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.