Concordia Bank

Concordia Bank is headquartered in Concordia and is the 259^th largest bank in the state of Missouri. It is also the 6,186^th largest bank in the nation. It was established in 1932 and as of September of 2011, it had grown to 20 employees at 4 locations. Concordia Bank has a 4-star health rating.

Concordia Bank Routing Number: 101917843

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Data for Q3 2011

Institution Statistics Concordia Bank of Concordia, Missouri FDIC Certificate # 13788 BankRate Report View Year Established 1932 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $57.45 million Loans $44.32 million Deposits $49.86 million Equity Capital $5.49 million Loan Loss Allowance $420,000 Unbacked Noncurrent Loans $608,000 Real Estate Owned $333,000 Historic Data - September 2010 Assets $50.79 million Equity Capital $5.29 million Loan Loss Allowance $344,000 Unbacked Noncurrent Loans $928,000 Real Estate Owned $378,000 Profit Margin - Quarterly Net Interest Margin 4.77% Return on Assets 1.28% Return on Equity 12.76% Interest Income $2.05 million

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 September 30, 2011 Concordia Bank had $941,000 in non-current loans and owned real-estate with $5.91 million in equity and loan loss allowances on hand to cover it. This gives Concordia Bank a Texas Ratio of 15.93% 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 Concordia Bank decreased slightly from 23.16% as of September 30, 2010 to 15.93% as of September 30, 2011, resulting in a positive change of 31.23%.This indicates that the balance sheet and financial strength for Concordia Bank has improved slightly in recent periods. Deposit Growth In the past year, Concordia Bank has increased its total deposits by $4.49 million, resulting in 9.89% 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 has shown is excellent. 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 has $57.45 million in assets with $5.91 million in equity, resulting in a capitalization level of 10.28%, which is above average.

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