Side-by-side · Q2 2026 data
Concordia Bank & Trust Company vs M C Bank & Trust Company
Metric by metric
| Measure | Concordia Bank & Trust Company | M C Bank & Trust Company |
|---|---|---|
| TellerScore | 52 (stronger) | 47 |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 15 (stronger) | 0 |
| Earnings | 65 (stronger) | 0 |
| Funding & liquidity | 74 (stronger) | 56 |
| Problem-loan coverage | 59 | 82 (stronger) |
| Peer percentile | 8th | 5th |
| Total assets | $667.0M | $710.0M |
| Deposits / shares | $585.7M | $480.6M |
| Capital ratio | 11.12% | 42.96% (stronger) |
| Problem loans | 2.54% (stronger) | 5.84% |
| Net charge-offs | 0.01% (stronger) | 0.76% |
| Return on assets | 1.13% (stronger) | -2.56% |
| Loans ÷ deposits | 60.9% (stronger) | 71.1% |
| Uninsured deposits | 37.3% (stronger) | 44.6% |
| Offices | 8 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 32.3% |
Concordia Bank & Trust Company has the higher TellerScore (52 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Concordia Bank & Trust Company leads on 6 and M C Bank & Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.