Total Assets
$128M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$113M
Customer-funded liabilities
Net Loans
$92M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
70th percentile nationally
1.42%
Return on Equity (ROE)
13.09%
Efficiency Ratio
58.92%
What the numbers say about Concordia Bank of Concordia, Missouri
Concordia Bank of Concordia, Missouri is an FDIC-insured institution (Certificate #13788) headquartered in Concordia, Missouri, established in 1932. It holds $128M in total assets - 3,532nd of 4,313 FDIC-insured banks, $113M in customer deposits, and $92M in net loans. Looking at capital strength, Tier 1 stands at 11.11%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (80/100), 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, Concordia Bank of Concordia, Missouri ranks 163rd of 198 banks based in Missouri -- 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
$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.
Top banks in Missouri by total assets
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.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Concordia Bank of Concordia, Missouri's health grade?▼
Concordia Bank of Concordia, Missouri receives a health grade of A (80/100) 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 Concordia Bank of Concordia, Missouri?▼
Concordia Bank of Concordia, Missouri holds $128M in total assets and $113M in deposits, ranking 3,532nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Concordia, Missouri.
Is my money safe at Concordia Bank of Concordia, Missouri?▼
Yes, deposits at Concordia Bank of Concordia, Missouri (Certificate #13788) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Concordia Bank of Concordia, Missouri's Tier 1 Capital Ratio?▼
Concordia Bank of Concordia, Missouri has a Tier 1 Capital Ratio of 11.11%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Concordia Bank of Concordia, Missouri?▼
Concordia Bank of Concordia, Missouri has a Texas Ratio of 0.00%. 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 Concordia Bank of Concordia, Missouri?▼
Concordia Bank of Concordia, Missouri has an Efficiency Ratio of 58.92%. 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 Concordia Bank of Concordia, Missouri's profile as a depositor or analyst.
- Concordia Bank of Concordia, Missouri's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Concordia Bank of Concordia, Missouri against other Missouri banks before moving funds. Missouri 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.