Total Assets
$87M
Total balance-sheet footings
FDIC Cert #9727 · Blomkest, Minnesota · Est. 1910
Concorde Bank - FDIC Bank Health Profile
A community-scale look at Concorde Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $87M
- Total assets
- A
- Health grade · Excellent
- 1.69%
- Return on assets
- 14.7%
- Tier 1 capital
Data updated July 2026
The verdict
Concorde Bank earns a PlainBankData health grade of A (82/100), with well-capitalized at 14.66% Tier 1, profitable at 1.69% ROA, efficient (59% cost ratio).
- #3,839
- largest of 4,313 FDIC banks by assets
- 11th
- percentile by asset size, nationally
- 14.66%
- Tier 1 ratio - above the 10% well-capitalized line
- 82nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Concorde Bank's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Concorde Bank's composite health score
Tier 1 Capital Ratio (14.66%) 35/40
Return on Assets (ROA) (1.69%) 25/25
Texas Ratio (18.42%) 10/20
Efficiency Ratio (58.93%) 12/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$78M
Customer-funded liabilities
Net Loans
$66M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Concorde Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Concorde Bank's score of 82/100 falls in the highlighted band.
Concorde Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Concorde Bank's $87M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.66% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.66%
Texas Ratio
18.42%
Equity Capital
$9M
Profitability metrics
Return on Assets (ROA)
82nd percentile nationally
1.69%
Return on Equity (ROE)
16.38%
Efficiency Ratio
58.93%
What the numbers say about Concorde Bank
Concorde Bank is an FDIC-insured institution (Certificate #9727) headquartered in Blomkest, Minnesota, established in 1910. It holds $87M in total assets - 3,839th of 4,313 FDIC-insured banks, $78M in customer deposits, and $66M in net loans. On safety, its Tier 1 capital ratio of 14.66% is above the 10% well-capitalized threshold, and its Texas Ratio of 18.42% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (82/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Concorde Bank ranks 181st of 227 banks based in Minnesota -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$5M
Interest Income
$339K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Concorde Bank reports a Texas Ratio of 18.42% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
18.42% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Concorde Bank (FDIC Cert #9727) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is Concorde Bank's health grade?▼
Concorde Bank receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Concorde Bank?▼
Concorde Bank holds $87M in total assets and $78M in deposits, ranking 3,839th of 4,313 FDIC-insured banks by asset size. It is headquartered in Blomkest, Minnesota.
Is my money safe at Concorde Bank?▼
Yes, deposits at Concorde Bank (Certificate #9727) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Concorde Bank's Tier 1 Capital Ratio?▼
Concorde Bank has a Tier 1 Capital Ratio of 14.66%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Concorde Bank?▼
Concorde Bank has a Texas Ratio of 18.42%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Concorde Bank?▼
Concorde Bank has an Efficiency Ratio of 58.93%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Concorde Bank's profile as a depositor or analyst.
- Concorde Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Concorde Bank against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.