Concordia Bank&Trust Co (FDIC #8527): Bank Stress & Real-Estate Credit Exposure
Concordia Bank&Trust Co (FDIC Cert #8527): bank stress 68/100, elevated, STABLE over 7 days; parent CONCORDIA CAPITAL CORP.
Concordia Bank&Trust Co (#8527) lends in 4 counties across 2 states; Concordia Bank&Trust Co (#8527) reaches 40 ZIP codes: Louisiana 2 counties, 34 ZIPs; Mississippi 2 counties, 6 ZIPs.
Concordia Bank&Trust Co (#8527) largest markets: East Baton Rouge County, LA (28 branches, 28 ZIPs) (#8527), Concordia County, LA (18 branches, 6 ZIPs) (#8527), Wilkinson County, MS (4 branches, 4 ZIPs) (#8527), Adams County, MS (6 branches, 2 ZIPs) (#8527).
Concordia Bank&Trust Co (#8527) reports $667.0 million in total assets; Concordia Bank&Trust Co (#8527) equity $65.6 million (9.8% of Concordia Bank&Trust Co (#8527) assets); Concordia Bank&Trust Co (#8527) domestic deposits $585.7 million; Concordia Bank&Trust Co (#8527) net income $3.7 million; Concordia Bank&Trust Co (#8527) return on assets 1.13%; Concordia Bank&Trust Co (#8527) return on equity 11.57%; Concordia Bank&Trust Co (#8527) net interest income $10.9 million; Concordia Bank&Trust Co (#8527) call report June 30, 2026.
Concordia Bank&Trust Co (#8527) noncurrent real-estate loans: none reported; Concordia Bank&Trust Co (#8527) net charge-offs on real estate 2.76%; Concordia Bank&Trust Co (#8527) residential charge-offs 4.42%.
Concordia Bank&Trust Co (#8527) net interest margin 3.52% against an eight-quarter Concordia Bank&Trust Co (#8527) average of 3.35% (Concordia Bank&Trust Co (#8527) compression -0.18 points); Concordia Bank&Trust Co (#8527) non-residential real estate 441.9% of equity; Concordia Bank&Trust Co (#8527) rate-exposure score 40/100, Concordia Bank&Trust Co (#8527) fixed-rate trap 40/100; Concordia Bank&Trust Co (#8527) risk type credit driven; Concordia Bank&Trust Co (#8527) rate regime rates elevated, Concordia Bank&Trust Co (#8527) snapshot October 20, 2026.
Concordia Bank&Trust Co (#8527) stress score moved from 72.8 on June 22, 2026 to 68.5 on October 20, 2026; Concordia Bank&Trust Co (#8527) ranged 68.5 to 72.8 over 117 snapshots.
Concordia Bank&Trust Co (#8527) alerts: 4 counties; top Concordia Bank&Trust Co (#8527) alert scores: Baton Rouge County, LA 22 (low); Natchez County, LA 22 (low); Vidalia County, LA 22 (low); Woodville County, LA 22 (low).