FDIC Cert #13788 · Concordia, Missouri · Est. 1932

Concordia Bank of Concordia, Missouri - FDIC Bank Health Profile

A community-scale look at Concordia Bank of Concordia, Missouri's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$128M
Total assets
A
Health grade · Excellent
1.42%
Return on assets
11.1%
Tier 1 capital

Data updated July 2026

The verdict

Concordia Bank of Concordia, Missouri earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.11% Tier 1, profitable at 1.42% ROA, efficient (59% cost ratio).

#3,532
largest of 4,313 FDIC banks by assets
18th
percentile by asset size, nationally
11.11%
Tier 1 ratio - above the 10% well-capitalized line
70th
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.

FDIC Call Report plate

Cert 13788 · MO A · 80/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (80/100)
  • MID-PACK #2036/4307
  • PHOTO-FINISH Farmers and Merchant… · IN
  • TIER1-WELL 11.1% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.42% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: Farmers and Merchants Bank, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Concordia Bank of Concordia, Missouri

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100CBW Bank · KS · near80/100Concordia Bank of Co… · MO ·…80/100Farmers and Merchant… · IN ·…80/100First State Bank Neb… · NE ·…80/100Sandhills State Bank · NE · …80/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Concordia Bank of Concordia, Missouri · July 2026

Call Report read for Concordia Bank of Concordia, Missouri in a high-failure state

Concordia Bank of Concordia, Missouri (FDIC Cert #13788) carries a PlainBankData health grade of A at 80/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,036 of 4,307. Tier 1 capital prints at 11.11%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.42%. Balance-sheet scale is $128M, 3,532nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers and Merchants Bank (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Concordia Bank of Concordia, Missouri

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

Concordia Bank of Concordia, Missouri sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Concordia Bank of Concordia, Missouri's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

How Concordia Bank of Concordia, Missouri's 80/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10080/100
Concordia Bank of Concordia, Missouri's composite health score
Tier 1 Capital Ratio (11.11%) 28/40
Return on Assets (ROA) (1.42%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (58.92%) 12/15

80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$128M

Total balance-sheet footings

Total Deposits

$113M

Customer-funded liabilities

Net Loans

$92M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.71% 11.11% 12.51%
Basel III capital ratios - Concordia Bank of Concordia, Missouri

Where Concordia Bank of Concordia, Missouri ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Concordia Bank of Concordia, Missouri's score of 80/100 falls in the highlighted band.

Concordia Bank of Concordia, Missouri: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

80 Top 47% higher than 53% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Concordia Bank of Concordia, Missouri 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Concordia Bank of Concordia, Missouri'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). Concordia Bank of Concordia, Missouri's $128M falls in the highlighted band.

Capital & credit buffers at Concordia Bank of Concordia, Missouri

Tier 1 capital ratio
Well-capitalized 10%

11.11% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.11%
Texas Ratio
0.00%
Equity Capital
$14M

What these ratios mean →

Earnings posture at Concordia Bank of Concordia, Missouri

Return on Assets (ROA)
70th percentile nationally
1.42%
Return on Equity (ROE)
13.09%
Efficiency Ratio
58.92%

What these mean →

Income & expense at Concordia Bank of Concordia, Missouri

$7M
Interest Income
$578K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Concordia Bank of Concordia, Missouri reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Concordia Bank of Concordia, Missouri on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($128M here), outside Missouri so the neighborhood is not state containment.

The First State Bank $128M · TX First Central Bank McCook $127M · NE KeySavings Bank $128M · WI The First National Bank of Bagley $128M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Concordia Bank of Concordia, Missouri (FDIC Cert #13788) - 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.

Concordia Bank of Concordia, Missouri Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
UMB Bank, National AssociationKansas City $72.8B A 1.01%
Commerce BankKansas City $32.7B A 1.74%
The Central Trust BankJefferson City $20.8B A 1.82%
Stifel Bank and TrustSaint Louis $19.4B A 1.82%
Enterprise Bank & TrustClayton $17.3B B 1.29%
Stifel BankSaint Louis $11.7B A 1.49%
First BankSt. Louis $6.7B B 0.51%
Great Southern BankReeds Spring $5.6B A 1.31%