Concord Bank


12040 Tesson Ferry Road
Saint Louis, MO 63128
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Concord Bank is an FDIC insured institution located in Saint Louis, MO. It was founded in 1996 and has approximately $0.11 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34119
Date Established 1996
Assets $ 123.00 million
Loans $ 94.55 million
Deposits $ 110.24 million
Capital $ 12.41 million

For a more detailed analysis of Concord Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 18, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 18, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Concord Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.808% 2.750%
-0.25 points
$1,875 fees
$1,021 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.475% 3.375%
0.75 points
$3,125 fees
$1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Concord Bank
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Financial Details

Concord Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Concord Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Concord Bank U.S. Bank Average
36.65% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Concord Bank had $4,025,000 in non-current loans and $1,379,000 in owned real estate. To cover these potential losses it had $12,411,000 in equity and $2,334,000 in loans loss reserves. That gives it a Texas Ratio of 36.65%.

Return on Equity
Concord Bank U.S. Bank Average
3.04% 11.43%

Concord Bank has a Return on Equity of 3.04% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Concord Bank U.S. Bank Average
10.09% 11.51%

Concord Bank has a Capitalization of 10.09% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Concord Bank Balance Sheet Analysis

As of March 31, 2015, Concord Bank had assets of $113,829,000, loans of $94,554,000, and deposits of $110,242,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 94.55 million
Loan loss allowance $ 2.33 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.38 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 110.24 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 123.00 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Concord Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in Missouri, Concord Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 18.59
Credit Card Loans 0.00
Consumer Auto Loans 0.03
Small Business Loans 19.60
Construction and Development Loans 10.35
Commercial Real Estate 44.22
Commercial and Industrial Loans 25.27
Farm Loans 0.00

Frequently Asked Questions About Concord Bank

Branches and Savings

Is Concord Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34119.

Why does Concord Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Concord Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Concord Bank a commercial bank?


Where are Concord Bank locations?

See branch locations nearby.

Is Concord Bank open on Saturdays?

Is Concord Bank open on Sundays?

What time does Concord Bank open?

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Are Concord Bank ATMs Open 24/7?

Do Concord Bank ATMs accept cash deposits?

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Do Concord Bank branches have notaries?

Will Concord Bank notarize my document?

What address for Concord Bank should I put for incoming ACH transfers?

Will the Concord Bank branch print checks?

Do Concord Bank checks expire?

Does Concord Bank require US citizenship to open account?

Can Concord Bank close my account?

Does Concord Bank Report to credit bureaus?

Does Concord Bank Use Equifax?

What is Concord Bank's ACH Routing Number?

What is Concord Bank's SWIFT code?


Does Concord Bank offer mortgages?

Compare mortgage rates here.

Does Concord Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Concord Bank offer personal loans?

Compare personal loan rates here.

Does Concord Bank offer student loans?

Will Concord Bank cash a check?

Will Concord Bank redeem a savings bond?

Does Concord Bank cash savings bonds?

Will Concord Bank cash money orders?

Can Concord Bank issue a money order?

Does Concord Bank do currency exchange?

Background on The Bank

Who owns Concord Bank?

How long has Concord Bank been around?

Can Concord Bank transfer to other banks?

Does Concord Bank have quick pay?

Does Concord Bank accept rolled coins?

Will Concord Bank accept loose change?

Where is Concord Bank headquarters?

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