BlastPoint's Banking Scorecard

Concordia Bank & Trust Company

$100M-$1B Specialty: Commercial LA FDIC cert 8527

Vidalia, LA

9 branches across LA · MS

2664 banks in the $100M-$1B peer group nationally 74 in LA

Concordia Bank & Trust Company faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 23.6% in tier
- Nonperforming Asset Ratio 1.35% above tier average
- Net Interest Margin 0.48% below tier average
- Efficiency Ratio 5.79% above tier average
- Delinquency Rate 1.31% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$672.3M +4.3% YoY +3.5% QoQ	+$286.2M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	Top 14.0% in tier
Total Loans ?	$359.5M -1.3% YoY -1.3% QoQ	+$103.8M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$591.7M +4.7% YoY +3.9% QoQ	+$263.7M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	Top 12.8% in tier
Return on Assets ?	0.89% -14.1% YoY -15.5% QoQ	-0.38%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	31%
Net Interest Margin ?	3.45% +3.0% YoY +0.0% QoQ	-0.48%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	28%
Efficiency Ratio ?	71.08% -0.9% YoY -2.1% QoQ	+5.79%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	30%
Delinquency Rate ?	2.20% -29.5% YoY +1.8% QoQ	+1.31%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	Bottom 10.7% in tier
Loan-to-Deposit Ratio ?	60.76% -5.7% YoY -5.1% QoQ	-15.87%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	29.94% +0.5% YoY +0.9% QoQ	+7.92%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	82%
Nonperforming Asset Ratio ?	1.99% -13.3% YoY -3.4% QoQ	+1.35%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	Bottom 6.9% in tier
Tier 1 Capital Ratio ?	11.01% +0.4% YoY -3.4% QoQ	-4.82%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.11% -6.5% YoY -76.5% QoQ	-0.17%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	57%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Margin Compression

decline

#73 of 305 • Bottom 23.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.89%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

343

Total Deposits

size

Value: $591.72M

Peer Median: $327.97M

#343 of 2664 Top 12.8% in $100M-$1B

373

Total Assets

size

Value: $672.30M

Peer Median: $386.08M

#373 of 2664 Top 14.0% in $100M-$1B

489

Non-Interest-Bearing Deposit Share

funding

Value: 29.94%

Peer Median: 22.02%

#489 of 2664 Top 18.3% in $100M-$1B

526

Loan-to-Deposit Ratio

liquidity

Value: 60.76%

Peer Median: 76.64%

#526 of 2664 Top 19.7% in $100M-$1B

656

Total Loans

size

Value: $359.55M

Peer Median: $255.72M

#656 of 2664 Top 24.6% in $100M-$1B

Top Weaknesses (3 metrics)

2482

Nonperforming Asset Ratio

credit_quality

Value: 1.99%

Peer Median: 0.64%

#2482 of 2664 Bottom 6.9% in $100M-$1B

2371

Delinquency Rate

credit_quality

Value: 2.20%

Peer Median: 0.89%

#2371 of 2654 Bottom 10.7% in $100M-$1B

2056

Tier 1 Capital Ratio

capital

Value: 11.01%

Peer Median: 15.83%

#2056 of 2664 Bottom 22.9% in $100M-$1B