Total Assets
$650M
Total balance-sheet footings
FDIC Cert #8527 · Vidalia, Louisiana · Est. 1903
Concordia Bank & Trust Company - FDIC Bank Health Profile
A community-scale look at Concordia Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $650M
- Total assets
- B
- Health grade · Good
- 1.05%
- Return on assets
- 11.4%
- Tier 1 capital
Data updated July 2026
The verdict
Concordia Bank & Trust Company earns a PlainBankData health grade of B (68/100), with well-capitalized at 11.40% Tier 1, profitable at 1.05% ROA, 73% efficiency ratio.
- #1,469
- largest of 4,313 FDIC banks by assets
- 66th
- percentile by asset size, nationally
- 11.40%
- Tier 1 ratio - above the 10% well-capitalized line
- 46th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Concordia Bank & Trust Company's 68/100 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 & Trust Company's composite health score
Tier 1 Capital Ratio (11.40%) 28/40
Return on Assets (ROA) (1.05%) 20/25
Texas Ratio (11.49%) 16/20
Efficiency Ratio (72.59%) 4/15
68 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$569M
Customer-funded liabilities
Net Loans
$364M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Concordia Bank & Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Concordia Bank & Trust Company's score of 68/100 falls in the highlighted band.
Concordia Bank & Trust Company'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 & Trust Company's $650M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.40% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.40%
Texas Ratio
11.49%
Equity Capital
$64M
Profitability metrics
Return on Assets (ROA)
46th percentile nationally
1.05%
Return on Equity (ROE)
11.05%
Efficiency Ratio
72.59%
What the numbers say about Concordia Bank & Trust Company
Concordia Bank & Trust Company is an FDIC-insured institution (Certificate #8527) headquartered in Vidalia, Louisiana, established in 1903. It holds $650M in total assets - 1,469th of 4,313 FDIC-insured banks, $569M in customer deposits, and $364M in net loans. Its capital position: a Tier 1 ratio of 11.40%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 11.49% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (68 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Concordia Bank & Trust Company sits 28th of 106 banks headquartered in Louisiana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$30M
Interest Income
$3M
Non-Interest Income
$17M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Concordia Bank & Trust Company reports a Texas Ratio of 11.49% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.49% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Louisiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Concordia Bank & Trust Company (FDIC Cert #8527) - 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 Louisiana
All Louisiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Origin BankChoudrant | $9.6B | B | 0.76% |
| b1BANKBaton Rouge | $8.2B | A | 1.23% |
| First Guaranty BankHammond | $4.1B | C | -1.33% |
| Gulf Coast Bank and Trust CompanyNew Orleans | $3.6B | B | 1.15% |
| Home Bank, National AssociationLafayette | $3.5B | A | 1.41% |
| Red River BankAlexandria | $3.3B | A | 1.36% |
| Investar Bank, National AssociationBaton Rouge | $2.8B | B | 0.89% |
| Bonvenu Bank, National AssociationBossier City | $1.6B | B | 0.54% |
Frequently asked questions
What is Concordia Bank & Trust Company's health grade?▼
Concordia Bank & Trust Company receives a health grade of B (68/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Concordia Bank & Trust Company?▼
Concordia Bank & Trust Company holds $650M in total assets and $569M in deposits, ranking 1,469th of 4,313 FDIC-insured banks by asset size. It is headquartered in Vidalia, Louisiana.
Is my money safe at Concordia Bank & Trust Company?▼
Yes, deposits at Concordia Bank & Trust Company (Certificate #8527) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Concordia Bank & Trust Company's Tier 1 Capital Ratio?▼
Concordia Bank & Trust Company has a Tier 1 Capital Ratio of 11.40%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Concordia Bank & Trust Company?▼
Concordia Bank & Trust Company has a Texas Ratio of 11.49%. Staying under 50% is the level analysts treat as 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 & Trust Company?▼
Concordia Bank & Trust Company has an Efficiency Ratio of 72.59%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Concordia Bank & Trust Company's profile as a depositor or analyst.
- Concordia Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Concordia Bank & Trust Company against other Louisiana banks before moving funds. Louisiana 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.