TellerScore

Concordia Bank of Concordia, Missouri is a state-chartered bank headquartered in Concordia, Missouri, in business for about 94 years. At the end of Q2 2026 it reported $130.0M in total assets and $114.1M in deposits, with 4 offices.

Concordia Bank of Concordia, Missouri has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 52nd. Problem-loan coverage contributes the most (96/100, 2.2%); capital cushion contributes the least (69/100, 11.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Tier 1 leverage ratio: 11.92%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.32%
Earnings82/100
Return on assets (annualized): 1.56%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 84.5% · 7.2% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.20%

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

From Q2 2025 to Q2 2026, the score rose 3 points (77 → 80), mostly because the capital cushion component improved by 8 points.

TellerScore
717681Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202471
Q4 202477
Q1 202575
Q2 202577
Q3 202581
Q4 202580
Q1 202678
Q2 202680
Tier 1 leverage ratio
5.00%8.46%11.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.11%
Q3 202411.33%
Q4 202411.16%
Q1 202511.04%
Q2 202511.12%
Q3 202511.17%
Q4 202511.11%
Q1 202611.44%
Q2 202611.92%
Noncurrent loans
0.00%0.32%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.64%
Q4 20240.00%
Q1 20250.40%
Q2 20250.37%
Q3 20250.00%
Q4 20250.00%
Q1 20260.34%
Q2 20260.32%
Return on assets
0.95%1.25%1.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20241.05%
Q4 20241.11%
Q1 20251.25%
Q2 20251.36%
Q3 20251.45%
Q4 20251.42%
Q1 20261.45%
Q2 20261.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$130.0M11.92%0.32%1.56%84.5%
Q1 202678$131.0M11.44%0.34%1.45%82.6%
Q4 202580$127.5M11.11%0.00%1.42%81.7%
Q3 202581$127.8M11.17%0.00%1.45%80.0%
Q2 202577$123.6M11.12%0.37%1.36%81.6%
Q1 202575$121.5M11.04%0.40%1.25%84.6%
Q4 202477$117.5M11.16%0.00%1.11%87.5%
Q3 202471$115.9M11.33%0.64%1.05%90.1%
Q2 202476$115.7M11.11%0.00%0.95%89.2%

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).

Capital ratio11.92%
64th
Total risk-based capital0.00%
24th
Problem loans0.32%
56th
Net charge-offs0.03%
33rd
Return on assets1.56%
69th
Net interest margin4.66%
84th
Efficiency ratio56.1%
69th
Loans to deposits84.5%
39th
Uninsured deposits7.2%
98th
Loan-loss reserves1.31%
64th
Texas ratio2.2%
56th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Home Savings and Loan Association of Carroll County, F.A.Bank Norborne, MO81 out of 100, Strong$131.4M14.5%0.73%vs
Community State BankBank Shelbina, MO83 out of 100, Strong$132.8M12.0%0.10%vs
Community Bank of Pleasant HillBank Pleasant Hill, MO76 out of 100, Strong$133.4M10.4%0.00%vs
County BankBank Brunswick, MO76 out of 100, Strong$133.7M8.3%0.00%vs
State Bank of MissouriBank Concordia, MO55 out of 100, Moderate$134.3M8.9%1.80%vs
Preferred BankBank Rothville, MO69 out of 100, Moderate$134.5M7.6%0.18%vs

Deposit insurance

Is my money safe at Concordia Bank of Concordia, Missouri?

Yes. Concordia Bank of Concordia, Missouri is an FDIC-insured institution (FDIC certificate #13788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 7.2% of deposits ($8.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.92%, 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%).

Check how much of your own balance is covered

4 locations

Branches

Concordia Bank of Concordia, Missouri lists 3 offices in 3 cities. Most locations:

  • Concordia, MO (1)
  • Laurie, MO (1)
  • Odessa, MO (1)

All branch addresses and map

Identity & history

Profile

Legal name
Concordia Bank of Concordia, Missouri
Type
State-chartered bank
FDIC certificate #
13788
RSSD ID
164957
Primary regulator
FDIC
Holding company
Northern Mo Bancshares Inc
Established
May 1, 1932
Headquarters
547 S Main St, Concordia, MO 64020
Employees
24

Quick answers

Concordia Bank of Concordia, Missouri: common questions

Is Concordia Bank of Concordia, Missouri FDIC insured?

Yes. Concordia Bank of Concordia, Missouri is an FDIC-insured institution (FDIC certificate #13788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Concordia Bank of Concordia, Missouri's TellerScore?

80 out of 100 (Strong), 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 of Concordia, Missouri ever failed?

There is no failure record for FDIC certificate #13788 in the FDIC failed bank list.

How many branches does Concordia Bank of Concordia, Missouri have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Concordia

InstitutionScoreAssetsCapitalProblem loansCompare
The Missouri BankBank Warrenton, MO88 out of 100, Very strong$461.5M12.6%0.13%vs
Wood & Huston BankBank Marshall, MO82 out of 100, Strong$1.2B11.6%0.14%vs
Bank 21Bank Carrollton, MO79 out of 100, Strong$202.1M11.5%0.05%vs
F & C BankBank Holden, MO78 out of 100, Strong$481.0M11.0%0.38%vs
North American Savings Bank, F.S.B.Bank Grandview, MO76 out of 100, Strong$3.2B14.2%0.90%vs
Community Bank of MissouriBank Richmond, MO74 out of 100, Strong$94.1M13.9%1.98%vs