BlastPoint's Banking Scorecard
Concorde Bank
Designations: ✓ Community bank
Blomkest, MN
2 branches across MN
Concorde Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.02% above tier average
- + Efficiency Ratio 18.53% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Delinquency Rate 1.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$90.0M
+15.7% YoY
+3.2% QoQ
|
+$27.8M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Top 12.4% in tier |
| Total Loans ? |
$65.6M
+2.8% YoY
-0.2% QoQ
|
+$31.3M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Top 7.4% in tier |
| Total Deposits ? |
$80.9M
+16.9% YoY
+3.6% QoQ
|
+$29.1M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Top 7.9% in tier |
| Return on Assets ? |
0.78%
-58.3% YoY
-54.0% QoQ
|
-0.06% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
4.88%
-2.1% YoY
-2.4% QoQ
|
+1.02% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 13.1% in tier |
| Efficiency Ratio ? |
69.81%
+27.5% YoY
+18.5% QoQ
|
-18.53% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
54% |
| Delinquency Rate ? |
2.69%
-25.2% YoY
-4.4% QoQ
|
+1.32% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 15.0% in tier |
| Loan-to-Deposit Ratio ? |
81.12%
-12.1% YoY
-3.7% QoQ
|
+16.90% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
21.36%
-2.8% YoY
-3.8% QoQ
|
-2.35% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
43% |
| Nonperforming Asset Ratio ? |
1.96%
-33.5% YoY
-7.6% QoQ
|
+1.17% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.6% in tier |
| Tier 1 Capital Ratio ? |
14.42%
+3.2% YoY
-1.6% QoQ
|
-12.26% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.10%
+7.7% YoY
-75.4% QoQ
|
-0.57% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
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.