BlastPoint's Banking Scorecard
Concorde Bank
Designations: ✓ Community bank
Blomkest, MN
2 branches across MN
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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +13.6% year over year ($79.1M on the books).
- Delinquency rate 2.80%.
- Return on assets 1.02%.
- Efficiency ratio 60.52% vs a 119.40% peer average.
- Loan-to-deposit ratio 81.47% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Concorde Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.11% above tier average
- + Efficiency Ratio 58.87% below tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.27% above tier average
- - Delinquency Rate 1.32% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$88.3M
+10.0% YoY
-1.9% QoQ
|
+$25.8M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
84% |
| Total Loans ? |
$64.4M
-2.9% YoY
-1.8% QoQ
|
+$29.5M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 9.9% in tier |
| Total Deposits ? |
$79.1M
+13.6% YoY
-2.2% QoQ
|
+$27.5M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Top 10.4% in tier |
| Return on Assets ? |
1.02%
-44.9% YoY
+31.6% QoQ
|
+0.02% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
51% |
| Net Interest Margin ? |
5.02%
-0.3% YoY
+2.8% QoQ
|
+1.11% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
Top 11.9% in tier |
| Efficiency Ratio ? |
60.52%
+8.2% YoY
-13.3% QoQ
|
-58.87% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
72% |
| Delinquency Rate ? |
2.80%
-15.2% YoY
+4.1% QoQ
|
+1.32% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.9% in tier |
| Loan-to-Deposit Ratio ? |
81.47%
-14.5% YoY
+0.4% QoQ
|
+7.26% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
19.37%
-4.7% YoY
-9.3% QoQ
|
-4.12% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
37% |
| Nonperforming Asset Ratio ? |
2.11%
-22.7% YoY
+7.6% QoQ
|
+1.27% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 9.9% in tier |
| Tier 1 Capital Ratio ? |
15.15%
+10.1% YoY
+5.0% QoQ
|
-11.98% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.19%
+5.2% YoY
+101.5% QoQ
|
-1.19% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
69% |
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.4%
-0.9pp YoY -2.0pp QoQ |
-5.3pp | 24.6% | 21.9% | 22.2% | 34% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.5%
0.0pp YoY -0.1pp QoQ |
+1.0pp | 13.4% | 14.6% | 12.5% | 67% |
| CRE |
20.3%
-0.8pp YoY +1.3pp QoQ |
-4.9pp | 25.2% | 36.5% | 41.4% | 52% |
| 1-4 Family |
45.3%
+5.7pp YoY +1.8pp QoQ |
+10.4pp | 35.0% | 29.4% | 31.3% | 68% |
| Consumer |
5.1%
0.0pp YoY +0.2pp QoQ |
-2.5pp | 7.7% | 4.5% | 5.0% | 51% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.2%
+1.4pp YoY +0.7pp QoQ |
-23.5pp | 38.7% | 16.5% | 19.7% | 23% |
| Leverage Ratio |
10.1%
-0.9pp YoY -0.1pp QoQ |
-7.6pp | 17.7% | 11.0% | 12.6% | 20% |
| Total Capital Ratio |
16.4%
+1.4pp YoY +0.7pp QoQ |
-23.3pp | 39.7% | 17.6% | 20.8% | 25% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
0 YoY 0 QoQ |
-0 | 12 | 55 | 482 | 56% |
| Assets per Employee ($) |
$7.4M
+10.0% YoY -1.9% QoQ |
+$1.2M | $6.2M | $8.6M | $8.8M | 72% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 4 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-2.4pp YoY 0.0pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 12% |
| Nonaccrual |
2.8%
+1.9pp YoY +0.1pp QoQ |
+1.0pp | 1.7% | 1.0% | 1.0% | 85% |
| Allowance Coverage |
0.81x
+26.3% YoY +7.5% QoQ |
-5.60x | 6.41x | 20.41x | 20.23x | 38% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY |
-0.1pp | 0.2% | 0.2% | 0.2% | 66% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.4%
-7.6pp YoY +2.5pp QoQ |
+4.0pp | 6.4% | 13.1% | 11.6% | 64% |
| Cost of Funds (YTD) |
2.4%
+0.2pp YoY +0.1pp QoQ |
+1.0pp | 1.4% | 1.7% | 1.7% | 90% |
| Net Income ($, YTD) |
$452,000
-36.9% YoY — QoQ |
+$134K | $317,817 | $4.5M | $40.4M | 68% |
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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.