Institution Statistics
| Concordia Bank & Trust Company | | FDIC Certificate # | 8527 | | BankRate Report | View | | Year Established | 1903 | | Employees | 119 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $510.58 million | | Loans | $227.77 million | | Deposits | $432.09 million | | Equity Capital | $55.72 million | | Loan Loss Allowance | $930,000 | | Unbacked Noncurrent Loans | $2.45 million | | Real Estate Owned | $2.01 million |
Historic Data - March 2011 | | Assets | $498.30 million | | Equity Capital | $54.98 million | | Loan Loss Allowance | $864,000 | | Unbacked Noncurrent Loans | $904,000 | | Real Estate Owned | $2.20 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.12% | | Return on Assets | 1.04% | | Return on Equity | 9.48% | | Interest Income | $4.80 million |
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Institution Health
Overall Score:
5 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 Concordia Bank & Trust Company had $4.46 million in non-current loans and owned real-estate with $56.65 million in equity and loan loss allowances on hand to cover it. This gives Concordia Bank & Trust Company a Texas Ratio of 7.87% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Concordia Bank & Trust Company held steady from 5.56% as of March 31, 2011 to 7.87% as of March 31, 2012, resulting in a negative change of 41.52%. This indicates that the balance sheet and financial strength for Concordia Bank & Trust Company has held steady in recent periods. | | Deposit Growth |  | | In the past year, Concordia Bank & Trust Company has increased its total deposits by $20.5 million, resulting in 4.98% 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 Concordia Bank & Trust Company 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. Concordia Bank & Trust Company has $510.58 million in assets with $56.65 million in equity, resulting in a capitalization level of 11.10%, which is above average. |
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