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Concordia Bank & Trust Company
Vidalia, LA · FDIC Certificate #8527 · Chartered 07/0
Total assets
$667.02M
Total deposits
$585.70M
Total equity
$65.64M
Net loans
$356.45M
Branches (offices)
8
Net income (YTD)
$3.75M
Rank: #1,420 of 4,213 U.S. banks by assets · #26 of 103 in Louisiana. Assets changed 5.2% and deposits 5.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.13% |
| Return on equity | 11.57% |
| Net interest margin (YTD) | 3.52% |
| Equity to assets | 9.84% |
| Tier 1 leverage ratio | 11.12% |
| Uninsured deposits (share of deposits) | 37.3% |
| Noncurrent loans (share of loans) | 2.54% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 60.9% |
| Real estate loans (share of loans) | 90.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $321.39M | 90.2% | |
| Commercial & industrial | $18.39M | 5.2% | |
| Consumer / individual | $12.96M | 3.6% | |
| Construction & development | $29.43M | 8.3% | |
| Agricultural | $7.22M | 2.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $667.10M | $596.66M | $3.27M | $50.85M |
| Jun 2023 | $667.66M | $557.38M | $3.45M | $51.93M |
| Jun 2024 | $660.96M | $553.17M | $2.74M | $56.67M |
| Jun 2025 | $634.24M | $556.03M | $3.64M | $59.68M |
| Jun 2026 | $667.02M | $585.70M | $3.75M | $65.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Louisiana | $390.95M | 4 |
| Mississippi | $194.75M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $585.70M.
Similar-sized banks
Bank Of Odessa ($667.10M) · The Poca Valley Bank, Inc. ($666.23M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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