BlastPoint's Banking Scorecard
Concordia Bank & Trust Company
Vidalia, LA
9 branches across LA · MS
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 73 in LA.
- Deposits +5.3% year over year ($585.7M on the books).
- Delinquency rate 2.57%.
- Return on assets 1.13%.
- Efficiency ratio 69.61% vs a 64.48% peer average.
- Loan-to-deposit ratio 60.86% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Concordia Bank & Trust Company faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.65% above tier average
- - Nonperforming Asset Ratio 1.48% above tier average
- - ROA 0.19% below tier average
- - Net Interest Margin 0.47% below tier average
- - Efficiency Ratio 5.13% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$667.0M
+5.2% YoY
-0.8% QoQ
|
+$280.5M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
Top 14.3% in tier |
| Total Loans ? |
$356.5M
-2.8% YoY
-0.9% QoQ
|
+$98.1M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
75% |
| Total Deposits ? |
$585.7M
+5.3% YoY
-1.0% QoQ
|
+$259.0M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 13.1% in tier |
| Return on Assets ? |
1.13%
-0.5% YoY
+27.4% QoQ
|
-0.19% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.52%
+2.6% YoY
+1.9% QoQ
|
-0.47% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
28% |
| Efficiency Ratio ? |
69.61%
-1.9% YoY
-2.1% QoQ
|
+5.13% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? |
2.57%
+2.2% YoY
+17.1% QoQ
|
+1.65% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 8.3% in tier |
| Loan-to-Deposit Ratio ? |
60.86%
-7.7% YoY
+0.2% QoQ
|
-17.09% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
30.10%
-2.0% YoY
+0.5% QoQ
|
+8.07% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
82% |
| Nonperforming Asset Ratio ? |
2.14%
-7.3% YoY
+7.8% QoQ
|
+1.48% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 6.4% in tier |
| Tier 1 Capital Ratio ? |
11.12%
-0.6% YoY
+0.9% QoQ
|
-4.79% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.22%
-3.0% YoY
+101.0% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
0.33%
+19.6% 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 (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.1%
-0.6pp YoY +0.2pp QoQ |
+7.9pp | 22.1% | 24.6% | 22.2% | 82% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.2%
-0.6pp YoY -0.1pp QoQ |
-6.4pp | 11.6% | 12.6% | 12.5% | 21% |
| CRE |
64.3%
+0.5pp YoY -1.1pp QoQ |
+24.7pp | 39.5% | 44.9% | 41.4% | 89% |
| 1-4 Family |
19.7%
+0.1pp YoY +0.5pp QoQ |
-12.9pp | 32.6% | 34.2% | 31.3% | 29% |
| Consumer |
3.6%
+0.3pp YoY -0.1pp QoQ |
-0.5pp | 4.1% | 4.2% | 5.0% | 67% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
11.1%
-0.1pp YoY +0.1pp QoQ |
-1.1pp | 12.2% | 13.4% | 12.6% | 52% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
118
+1 (+0.9%) YoY +2 (+1.7%) QoQ |
+59 | 58 | 114 | 482 | 92% |
| Assets per Employee ($) |
$5.7M
+4.3% YoY -2.5% QoQ |
-$1.9M | $7.5M | $6.8M | $8.8M | 26% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 9 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.4%
+0.3pp YoY +0.4pp QoQ |
+0.1pp | 0.3% | 0.4% | 0.4% | 80% |
| Nonaccrual |
2.1%
-0.2pp YoY 0.0pp QoQ |
+1.2pp | 0.9% | 1.4% | 1.0% | 89% |
| Allowance Coverage |
0.43x
-7.4% YoY -13.3% QoQ |
-23.73x | 24.15x | 27.36x | 20.23x | 7% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 49% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.6%
-0.8pp YoY +2.5pp QoQ |
-0.6pp | 12.2% | 12.5% | 11.6% | 47% |
| Cost of Funds (YTD) |
1.6%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.7% | 1.7% | 43% |
| Net Income ($, YTD) |
$3.7M
+3.0% YoY — QoQ |
+$1.2M | $2.6M | $5.1M | $40.4M | 78% |
Get Full Access to Concordia Bank & Trust Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.