Concordia Bank&Trust Co
Vidalia, Louisiana · FDIC Cert #8527
This is the FDIC profile for Concordia Bank&Trust Co, an FDIC-insured bank (Certificate #8527) with $661M in total assets and $553M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Vidalia, Louisiana, the bank maintains a Tier 1 capital ratio of 10.46% (Well-Capitalized) and a nonperforming loan ratio of 3.02%. BankHealthData assigns a composite Health Grade of B (65/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Concordia Bank&Trust Co (FDIC cert 8527) is a community bank — $661M in total assets, $553M in deposits, serving the Vidalia, Louisiana area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.46% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is elevated: non-performing loan ratio of 3.02% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 39.0% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 0.81% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Concordia Bank&Trust Co carries a composite BankHealth grade of B (65/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Concordia Bank&Trust Co
- Total Assets
- $661M
- Total Deposits
- $553M
- Tier 1 Capital Ratio
- 10.46%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.02%
- Liquidity Ratio
- 38.97%
- Return on Assets
- 0.81%
- Headquarters
- Vidalia, Louisiana
- FDIC Certificate
- #8527
- Health Grade
- B (65/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Concordia Bank&Trust Co files quarterly Call Reports with the FDIC under Certificate #8527. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Concordia Bank&Trust Co holds a Tier 1 capital ratio of 10.46%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Concordia Bank&Trust Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Concordia Bank&Trust Co shows strong financial health indicators. With $661M in assets and a Health Score of 65/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Concordia Bank&Trust Co Compares
Concordia Bank&Trust Co’s Health Score of 65 is 12 points below the Louisiana state average of 77 across 93 FDIC-insured banks. Its 10.46% Tier 1 capital ratio is 3.5 points below the US banking industry average near 14%. The 3.02% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.81% is below the national ROA benchmark of ~1.1%. Among 1295 similarly-sized banks, the average Health Score is 79, meaning this bank ranks below its size cohort. Site-wide, Concordia Bank&Trust Co is 15 points below the portfolio average of 80.
Frequently Asked Questions
Concordia Bank&Trust Co has a Bank Health Score of B (65/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.46%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Concordia Bank&Trust Co's Tier 1 capital ratio of 10.46% and nonperforming loan ratio of 3.02% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Concordia Bank&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8527). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Concordia Bank&Trust Co holds $661M in total assets and $553M in total deposits. It is headquartered in Vidalia, Louisiana (FDIC Certificate #8527).
Concordia Bank&Trust Co's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #8527 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Concordia Bank&Trust Co has a Tier 1 capital ratio of 10.46%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.02%, and the return on assets is 0.81%.
Yes. Concordia Bank&Trust Co is FDIC-insured (Certificate #8527). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Concordia Bank&Trust Co's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.