BlastPoint

BlastPoint's Banking Scorecard

Concordia Bank of Concordia, Missouri

$100M-$1B Specialty: Commercial MO FDIC cert 13788

Concordia, MO

4 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO
View $100M-$1B leaderboard (MO) →

Concordia Bank of Concordia, Missouri shows strong momentum with 4 strengths and 7.9% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.18% above tier average
  • + Net Interest Margin 0.64% above tier average
  • + Efficiency Ratio 8.56% below tier average
  • + Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Concordia Bank of Concordia, Missouri releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $131.0M
+7.9% YoY +2.8% QoQ
-$255.1M $386.1M
+0.5% YoY
$1.6B
+6.5% YoY
$6.2B
+9.1% YoY
Bottom 8.8% in tier
Total Loans ? $95.4M
+4.7% YoY +3.7% QoQ
-$160.3M $255.7M
+1.1% YoY
$1.0B
+8.5% YoY
$3.2B
+10.8% YoY
18%
Total Deposits ? $115.6M
+7.3% YoY +2.6% QoQ
-$212.4M $328.0M
+0.1% YoY
$1.3B
+6.1% YoY
$4.8B
+8.2% YoY
Bottom 10.5% in tier
Return on Assets ? 1.45%
+16.5% YoY +2.1% QoQ
+0.18% 1.27%
+12.9% YoY
1.43%
+10.8% YoY
1.23%
+13.4% YoY
65%
Net Interest Margin ? 4.57%
+3.0% YoY -0.6% QoQ
+0.64% 3.93%
+6.0% YoY
4.51%
+2.1% YoY
3.89%
+5.7% YoY
84%
Efficiency Ratio ? 56.73%
-6.5% YoY -3.7% QoQ
-8.56% 65.29%
-4.5% YoY
59.97%
-5.2% YoY
66.95%
-4.1% YoY
69%
Delinquency Rate ? 0.34%
-16.1% YoY
-0.55% 0.89%
+18.8% YoY
0.83%
+18.3% YoY
0.95%
+18.8% YoY
54%
Loan-to-Deposit Ratio ? 82.55%
-2.4% YoY +1.0% QoQ
+5.91% 76.64%
+0.8% YoY
79.48%
+1.6% YoY
76.70%
+0.9% YoY
41%
Non-Interest-Bearing Deposit Share ? 21.85%
+0.1% YoY +4.1% QoQ
-0.17% 22.02%
-1.0% YoY
20.72%
+0.3% YoY
22.01%
-1.2% YoY
54%
Nonperforming Asset Ratio ? 0.29%
-17.2% YoY +631.8% QoQ
-0.35% 0.64%
+19.7% YoY
0.67%
+20.5% YoY
0.67%
+19.3% YoY
51%
Tier 1 Capital Ratio ? 11.44%
+3.6% YoY +3.0% QoQ
-4.39% 15.83%
+1.5% YoY
15.44%
-0.4% YoY
17.06%
+0.8% YoY
29%
Non-Interest Income / Assets ? 0.10%
-20.4% YoY -77.4% QoQ
-0.18% 0.28%
+9.3% YoY
0.29%
+5.6% YoY
0.32%
+4.1% YoY
53%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

431
Net Interest Margin
profitability
Value: 4.57%
Peer Median: 3.93%
#431 of 2664 Top 16.1% in $100M-$1B

Top Weaknesses (3 metrics)

2431
Total Assets
size
Value: $131.03M
Peer Median: $386.08M
#2431 of 2664 Bottom 8.8% in $100M-$1B
2384
Total Deposits
size
Value: $115.58M
Peer Median: $327.97M
#2384 of 2664 Bottom 10.5% in $100M-$1B
2183
Total Loans
size
Value: $95.41M
Peer Median: $255.72M
#2183 of 2664 Bottom 18.1% in $100M-$1B
Powered by BlastPoint © 2026