Concordia Bank & Trust Company

Overview / Commentary

318-336-5258

904 Carter Street
Vidalia, LA 71373

Concordia Bank & Trust Company is headquartered in Vidalia and is the 26^th largest bank in the state of Louisiana. It is also the 1,398^th largest bank in the nation. It was established in 1903 and as of June of 2019, it had grown to 126 employees at 8 locations. Concordia Bank & Trust Company's money market rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q2 2019

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Health Grade Components

Overall
FDIC Certificate #	8527
Year Established	1903
Employees	126
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.08%
Return on Equity - YTD	8.65%
Annual Interest Income	$10.1MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$519.5MM$490.4MM
Loans	Q2 2019vs Q2 2018	$285.0MM$244.2MM
Deposits	Q2 2019vs Q2 2018	$420.2MM$412.3MM
Equity Capital	Q2 2019vs Q2 2018	$65.4MM$60.1MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$1.2MM$1.0MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$3.0MM$3.3MM
Real Estate Owned	Q2 2019vs Q2 2018	$2.3MM$2.6MM

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	-	-	Blue Chip
0.25%	$1	-	Christmas Club

Concordia Bank & Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$100k^*	-	Money Market
OTHER TIERS: 0.50% → Up to $50k \| 0.75% → $50k - $100k

Concordia Bank & Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	-	-	NOW Account
0.15%	-	-	Mature Market NOW Account
0.15%	-	-	Charitable Interest Checking

Concordia Bank & Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.11%	$1k	-	60 Month CD
2.02%	$1k	-	48 Month CD
1.86%	$1k	-	30 Month CD
1.76%	$1k	-	18 Month CD
1.76%	$1k	-	24 Month CD
1.51%	$1k	-	12 Month CD
1.00%	$2.5k	-	6 Month CD
0.75%	$2.5k	-	3 Month CD
0.50%	$2.5k	-	1 Month CD
0.50%	$2.5k	-	2 Month CD

Concordia Bank & Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.11%	$1k	-	60 Month Roth IRA
2.02%	$100	-	18 Month Variable Traditional IRA
1.86%	$1k	-	30 Month Roth IRA
1.76%	$1k	-	18 Month Roth IRA
1.76%	$1k	-	24 Month Roth IRA
1.51%	$1k	-	12 Month Roth IRA
1.26%	$100	-	60 Month Variable Roth IRA
1.00%	$1k	-	6 Month Roth IRA
0.75%	$100	-	18 Month Variable Roth IRA

Locations

Concordia Bank & Trust Company Locations
Ferriday Branch	201 Louisiana Avenue	Ferriday, LA 71334
Downtown Natchez Branch	300 Main Street	Natchez, MS 39120
South Natchez Branch	45 Sargeant Road	Natchez, MS 39120
Wilkinson County Branch	498 Main Street	Woodville, MS 39669
North Natchez Branch	516 Hwy 61 North	Natchez, MS 39120
Monterey Branch	6292 Highway 129	Monterey, LA 71354
Concordia Bank & Trust Company	904 Carter Street	Vidalia, LA 71373

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