Concorde Bank

Concorde Bank is headquartered in Blomkest and is the 269^th largest bank in the state of Minnesota. It is also the 6,297^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 15 employees at 2 locations. Concorde Bank has a 4-star health rating.

Concorde Bank Routing Number: 091909518

Data for Q1 2012

Institution Statistics Concorde Bank FDIC Certificate # 9727 BankRate Report View Year Established 1910 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $52.47 million Loans $29.95 million Deposits $48.20 million Equity Capital $4.15 million Loan Loss Allowance $728,000 Unbacked Noncurrent Loans $574,000 Real Estate Owned $306,000 Historic Data - March 2011 Assets $50.56 million Equity Capital $3.97 million Loan Loss Allowance $801,000 Unbacked Noncurrent Loans $680,000 Real Estate Owned $526,000 Profit Margin - Quarterly Net Interest Margin 4.21% Return on Assets 0.48% Return on Equity 6.12% Interest Income $522,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Concorde Bank had $880,000 in non-current loans and owned real-estate with $4.87 million in equity and loan loss allowances on hand to cover it. This gives Concorde Bank a Texas Ratio of 18.05% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Concorde Bank decreased slightly from 25.29% as of March 31, 2011 to 18.05% as of March 31, 2012, resulting in a positive change of 28.60%.This indicates that the balance sheet and financial strength for Concorde Bank has improved slightly in recent periods. Deposit Growth In the past year, Concorde Bank has increased its total deposits by $1.78 million, resulting in 3.83% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Concorde Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Concorde Bank has $52.47 million in assets with $4.87 million in equity, resulting in a capitalization level of 9.29%, which is average.

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