Headquartered in Vidalia, Louisiana, Concordia Bank & Trust Company is a state-chartered bank with $667.0M in total assets and $585.7M in deposits as of Q2 2026. It operates 9 offices across 2 states. Its charter dates back to 1903.
Based on its Q2 2026 filing, Concordia Bank & Trust Company scores 52/100, which we describe as below average. That is higher than only 8% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 92nd. Its strongest component is funding & liquidity (74/100; 61% loans-to-deposits, 37% uninsured), and its lowest is loan quality (15/100; 2.54%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (52 → 52).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 44 |
| Q3 2024 | 46 |
| Q4 2024 | 52 |
| Q1 2025 | 46 |
| Q2 2025 | 52 |
| Q3 2025 | 54 |
| Q4 2025 | 56 |
| Q1 2026 | 53 |
| Q2 2026 | 52 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.46% |
| Q3 2024 | 10.68% |
| Q4 2024 | 10.89% |
| Q1 2025 | 10.96% |
| Q2 2025 | 11.18% |
| Q3 2025 | 11.38% |
| Q4 2025 | 11.40% |
| Q1 2026 | 11.01% |
| Q2 2026 | 11.12% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.02% |
| Q3 2024 | 2.91% |
| Q4 2024 | 2.24% |
| Q1 2025 | 3.08% |
| Q2 2025 | 2.49% |
| Q3 2025 | 2.42% |
| Q4 2025 | 2.13% |
| Q1 2026 | 2.17% |
| Q2 2026 | 2.54% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.92% |
| Q4 2024 | 0.94% |
| Q1 2025 | 1.03% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.05% |
| Q1 2026 | 0.89% |
| Q2 2026 | 1.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $667.0M | 11.12% | 2.54% | 1.13% | 60.9% |
| Q1 2026 | 53 | $672.3M | 11.01% | 2.17% | 0.89% | 60.8% |
| Q4 2025 | 56 | $649.5M | 11.40% | 2.13% | 1.05% | 64.0% |
| Q3 2025 | 54 | $643.1M | 11.38% | 2.42% | 1.12% | 62.8% |
| Q2 2025 | 52 | $634.2M | 11.18% | 2.49% | 1.14% | 65.9% |
| Q1 2025 | 46 | $644.4M | 10.96% | 3.08% | 1.03% | 64.4% |
| Q4 2024 | 52 | $641.6M | 10.89% | 2.24% | 0.94% | 64.5% |
| Q3 2024 | 46 | $654.4M | 10.68% | 2.91% | 0.92% | 66.9% |
| Q2 2024 | 44 | $661.0M | 10.46% | 3.02% | 0.81% | 67.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Metairie Bank & Trust CompanyBank Metairie, LA | 75 out of 100, Strong | $666.0M | 11.5% | 0.46% | vs |
| United Community BankBank Raceland, LA | 83 out of 100, Strong | $665.5M | 14.5% | 0.73% | vs |
| South Louisiana BankBank Houma, LA | 91 out of 100, Very strong | $659.8M | 15.3% | 0.45% | vs |
| Homeland Federal Savings BankBank Columbia, LA | 59 out of 100, Moderate | $657.8M | 9.2% | 0.99% | vs |
| The First National Bank of JeaneretteBank Jeanerette, LA | 73 out of 100, Strong | $646.5M | 10.0% | 0.23% | vs |
| Home Federal BankBank Shreveport, LA | 65 out of 100, Moderate | $644.0M | 9.3% | 0.63% | vs |
Deposit insurance
Is my money safe at Concordia Bank & Trust Company?
Yes. Concordia Bank & Trust Company is an FDIC-insured institution (FDIC certificate #8527). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 37.3% of deposits ($218.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
9 locations
Branches
Concordia Bank & Trust Company lists 8 offices in 6 cities across 2 states. Most locations:
- Natchez, MS (3)
- Baton Rouge, LA (1)
- Ferriday, LA (1)
- Monterey, LA (1)
- Vidalia, LA (1)
- Woodville, MS (1)
HMDA 2025
Mortgage lending
In 2025, Concordia Bank & Trust Company reported 180 home-loan applications under HMDA (LEI 254900B631B05UVLUA59): 131 originated ($22,955,000 total), 21 denied, and 26 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Concordia Bank & Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 8527
- RSSD ID
- 819556
- Primary regulator
- FDIC
- Holding company
- Concordia Capital Corp
- Established
- July 1, 1903
- Headquarters
- 904 Carter St, Vidalia, LA 71373
- Website
- www.concordiabank.com
- Employees
- 118
Quick answers
Concordia Bank & Trust Company: common questions
Is Concordia Bank & Trust Company FDIC insured?
Yes. Concordia Bank & Trust Company is an FDIC-insured institution (FDIC certificate #8527). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Concordia Bank & Trust Company's TellerScore?
52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Concordia Bank & Trust Company ever failed?
There is no failure record for FDIC certificate #8527 in the FDIC failed bank list.
How many branches does Concordia Bank & Trust Company have?
9 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Vidalia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sicily Island State BankBank Sicily Island, LA | 86 out of 100, Very strong | $92.4M | 13.2% | 0.13% | vs |
| United Mississippi BankBank Natchez, MS | 75 out of 100, Strong | $560.7M | 11.0% | 0.19% | vs |
| Southern Heritage BankBank Jonesville, LA | 73 out of 100, Strong | $397.9M | 10.5% | 0.72% | vs |
| Home Bank, National AssociationBank Lafayette, LA | 70 out of 100, Strong | $3.6B | 12.1% | 0.95% | vs |
| Bank of FranklinBank Meadville, MS | 70 out of 100, Strong | $302.3M | 9.9% | 0.27% | vs |
| Delta BankBank Vidalia, LA | 67 out of 100, Moderate | $632.0M | 10.0% | 1.04% | vs |