BlastPoint's Banking Scorecard
Concorde Bank
Micro
Specialty: Other
MN
FDIC cert 9727
Designations: ✓ Community bank
Blomkest, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Concorde Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.15% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.17% above tier
- - Nonperforming Asset Ratio 1.67% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.3M
+18.2% YoY
+8.9% QoQ
|
-$130.2M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$65.7M
+4.1% YoY
-1.5% QoQ
|
-$73.4M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$78.1M
+19.1% YoY
+11.3% QoQ
|
-$105.6M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.69%
-4.0% YoY
-7.4% QoQ
|
+0.60% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
5.00%
-0.9% YoY
-1.2% QoQ
|
+1.15% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
58.93%
-1.7% YoY
+3.4% QoQ
|
-8.80% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
2.81%
+71.2% YoY
+1.5% QoQ
|
+2.17% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
84.19%
-12.6% YoY
-11.5% QoQ
|
+9.67% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
22.28%
-4.1% YoY
+13.4% QoQ
|
-0.12% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
2.12%
+50.7% YoY
-8.1% QoQ
|
+1.67% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
14.65%
+5.4% YoY
+1.8% QoQ
|
+5.80% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.39%
+1.0% YoY
+35.4% QoQ
|
-0.17% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 10%
in Micro
Why this stands out
Current:
5.00%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.81%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.12%
(Tier avg: 0.45%, 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
90
90th pctile
Net Interest Margin
Current: 5.00% · Tier avg: 3.85%
82
82th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.08%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.65% · Tier avg: 8.85%
70
70th pctile
Efficiency Ratio
Current: 58.93% · Tier avg: 67.73%
66
66th pctile
Loan-to-Deposit Ratio
Current: 84.19% · Tier avg: 74.53%
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.28% · Tier avg: 22.39%
27
27th pctile
Total Loans
Current: $65.7M · Tier avg: $139.2M
21
21th pctile
Total Deposits
Current: $78.1M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $87.3M · Tier avg: $217.5M
8
8th pctile
Delinquency Rate
Current: 2.81% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.12% · Tier avg: 0.45%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 2.12% · Tier avg: 0.45%
8
8th pctile
Delinquency Rate
Current: 2.81% · Tier avg: 0.64%
19
19th pctile
Total Assets
Current: $87.3M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $78.1M · Tier avg: $183.7M
27
27th pctile
Total Loans
Current: $65.7M · Tier avg: $139.2M
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.28% · Tier avg: 22.39%
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
66
66th pctile
Loan-to-Deposit Ratio
Current: 84.19% · Tier avg: 74.53%
70
70th pctile
Efficiency Ratio
Current: 58.93% · Tier avg: 67.73%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.65% · Tier avg: 8.85%
82
82th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.08%
90
90th pctile
Net Interest Margin
Current: 5.00% · Tier avg: 3.85%