BlastPoint's Banking Scorecard
Concordia Bank & Trust Company
Community
Specialty: Commercial
LA
FDIC cert 8527
Vidalia, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Concordia Bank & Trust Company faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 22% in Community
- - Delinquency Rate 1.53% above tier
- - Nonperforming Asset Ratio 1.56% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$649.5M
+1.2% YoY
+1.0% QoQ
|
-$742.0M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$364.4M
-0.1% YoY
+3.4% QoQ
|
-$611.1M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$569.3M
+0.7% YoY
+1.4% QoQ
|
-$595.3M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
1.05%
+11.5% YoY
-6.4% QoQ
|
-0.11% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
3.45%
+12.1% YoY
+0.0% QoQ
|
-0.21% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
72.59%
-0.3% YoY
+1.4% QoQ
|
+9.96% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
2.16%
-4.7% YoY
-11.7% QoQ
|
+1.53% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
64.00%
-0.8% YoY
+2.0% QoQ
|
-19.06% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.69%
+0.2% YoY
-4.2% QoQ
|
+8.64% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
2.06%
+9.3% YoY
-5.7% QoQ
|
+1.56% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.46%
-10.4% YoY
+37.4% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Capital Thin
risk
#94 of 432 · Bottom 22% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Bottom 8%
in Community
Why this stands out
Current:
2.16%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
2.06%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 29.69% · Tier avg: 21.05%
44
44th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
40
40th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
24
24th pctile
Total Deposits
Current: $569.3M · Tier avg: $1.2B
22
22th pctile
Efficiency Ratio
Current: 72.59% · Tier avg: 62.63%
21
21th pctile
Total Assets
Current: $649.5M · Tier avg: $1.4B
12
12th pctile
Loan-to-Deposit Ratio
Current: 64.00% · Tier avg: 83.06%
10
10th pctile
Total Loans
Current: $364.4M · Tier avg: $975.5M
8
8th pctile
Delinquency Rate
Current: 2.16% · Tier avg: 0.63%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.06% · Tier avg: 0.50%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 2.06% · Tier avg: 0.50%
8
8th pctile
Delinquency Rate
Current: 2.16% · Tier avg: 0.63%
10
10th pctile
Total Loans
Current: $364.4M · Tier avg: $975.5M
12
12th pctile
Loan-to-Deposit Ratio
Current: 64.00% · Tier avg: 83.06%
21
21th pctile
Total Assets
Current: $649.5M · Tier avg: $1.4B
22
22th pctile
Efficiency Ratio
Current: 72.59% · Tier avg: 62.63%
24
24th pctile
Total Deposits
Current: $569.3M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
40
40th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.66%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
44
44th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 29.69% · Tier avg: 21.05%