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Concordia Bank & Trust Company


Overview / Commentary
concordiabank.com
318-336-5258
904 Carter Street
Vidalia, LA 71373

Concordia Bank & Trust Company is headquartered in VIDALIA and is the 26th largest bank in the state of Louisiana. It is also the 1,360th largest bank in the nation. It was established in 1903 and as of December of 2023, it had grown to 118 employees at 9 locations. Concordia Bank & Trust Company's money market rates are 5X the national average, but it has a C health rating.

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Health
C

Data as of Q4 2023

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #8527
Year Established1903
Employees118
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD16.53%
Annual Interest Income$28MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$686.5MM$686.7MM
LoansQ4 2023vs Q4 2022$365.7MM$334MM
DepositsQ4 2023vs Q4 2022$569.3MM$618.8MM
Equity CapitalQ4 2023vs Q4 2022$56.9MM$51.8MM
Loan Loss AllowanceQ4 2023vs Q4 2022$4MM$2.2MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$10.9MM$2.7MM
Real Estate OwnedQ4 2023vs Q4 2022$1.4MM$896K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Concordia Bank & Trust Company Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--Blue Chip
0.50%$1-Christmas Club
0.50%--Bank-at-School

Concordia Bank & Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%*$100k*-Money Market
OTHER TIERS: 0.50% → Up to $50k | 1.51% → $50k - $100k

Concordia Bank & Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--NOW Account
0.15%--Mature Market NOW Account
0.15%--Charitable Interest Checking

Concordia Bank & Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$1k-18 Month CD
3.55%$1k-12 Month CD
3.53%$2.5k-6 Month CD
3.44%$1k-24 Month CD
3.19%$1k-30 Month CD
3.03%$1k-48 Month CD
3.02%$1k-60 Month CD
1.61%$2.5k-3 Month CD
1.51%$2.5k-2 Month CD
1.00%$2.5k-1 Month CD

Concordia Bank & Trust Company IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$100-18 Month Variable Traditional IRA
3.80%$1k-18 Month Roth IRA
3.55%$1k-12 Month Roth IRA
3.53%$1k-6 Month Roth IRA
3.44%$1k-24 Month Roth IRA
3.29%$100-18 Month Variable Roth IRA
3.29%$100-60 Month Variable Roth IRA
3.19%$1k-30 Month Roth IRA
3.02%$1k-60 Month Roth IRA
Locations


Concordia Bank & Trust Company Locations
Ferriday Branch201 Louisiana AvenueFerriday, LA 71334
Downtown Natchez Branch300 Main StreetNatchez, MS 39120
South Natchez Branch45 Sargeant RoadNatchez, MS 39120
Wilkinson County Branch498 Main StreetWoodville, MS 39669
North Natchez Branch516 Hwy 61 NorthNatchez, MS 39120
Monterey Branch6292 Highway 129Monterey, LA 71354
Concordia Bank & Trust Company904 Carter StVidalia, LA 71373
Willow Grove Branch8200 Village Plaza CourtBaton Rouge, LA 70810

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