Concordia Bank of Concordia, Missouri

547 Main Street
Concordia, MO 64020

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 13788
Date Established 1932
Assets $0.07 billion
Loans $0.05 billion
Deposits $0.07 billion
Capital $0.01 billion

Concordia Bank of Concordia, Missouri is an FDIC insured institution located in Concordia, MO. It was founded in 1932 and has approximately $0.07 billion in assets. Customers can open an account at one of its 4 branches.

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

Bank Loan Profile?

The top three loan types in Concordia Bank of Concordia, Missouri’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Missouri, Concordia Bank of Concordia, Missouri has a significantly higher percent of Small Business Loans 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 33.62
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 1.42
Small Business Loans 24.02
Construction and Development Loans 10.16
Commercial Real Estate 37.22
Commercial and Industrial Loans 5.08
Farm Loans 4.02

Deposit Rates - April 22, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $2,500 - Learn MoreShow Less
CD Rates APY MIN MAX
6 Mo CD
0.40% $500 - Learn MoreShow Less
12 Mo CD
0.70% $500 - Learn MoreShow Less
24 Mo CD
1.00% $500 - Learn MoreShow Less
36 Mo CD
1.40% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.70% $250 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,500 - Learn MoreShow Less
Checking Rates APY MIN FEE
Free Kasasa Cash 2.02% $0 $0.00 Learn MoreShow Less

Loan Rates - April 22, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Concordia Bank of Concordia, Missouri

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

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: CL-2925. NMLSID#2925
4.034% 4.000% 0.38 $1,030 $1,194 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Concordia Bank of Concordia, Missouri
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Branches

Concordia Bank of Concordia, Missouri branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Concordia Bank of Concordia, Missouri Locations


Financial Details

Concordia Bank of Concordia, Missouri Ratio Analysis

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

Texas Ratio
Concordia Bank of Concordia, Missouri U.S. Bank Average
16.28% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 December 31, 2018, Concordia Bank of Concordia, Missouri had $1,022,000 in non-current loans and $220,000 in owned real estate. To cover these potential losses it had $7,278,000 in equity and $353,000 in loans loss reserves. That gives it a Texas Ratio of 16.28%.

Return on Equity
Concordia Bank of Concordia, Missouri U.S. Bank Average
9.98% 8.80%

Concordia Bank of Concordia, Missouri has a Return on Equity of 9.98% versus the BestCashCow average of 8.80%. 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.

Capitalization
Concordia Bank of Concordia, Missouri U.S. Bank Average
9.82% 12.29%

Concordia Bank of Concordia, Missouri has a Capitalization of 9.82% versus the BestCashCow average of 12.29. 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.

Concordia Bank of Concordia, Missouri Balance Sheet Analysis

As of December 31, 2018, Concordia Bank of Concordia, Missouri had assets of $74,151,000, loans of $52,977,000, and deposits of $66,313,000. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.05 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.07 billion
LIABILITIES
Total deposits $0.07 billion
      Interest-bearing deposits $0.04 billion
      Deposits held in domestic offices $0.07 billion
      % insured (estimated) 90.49%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.07 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Concordia Bank Of Concordia, Missouri

Branches and Savings

Is Concordia Bank Of Concordia, Missouri FDIC insured?

Yes. It is covered under FDIC Certificate #13788.

Why does Concordia Bank Of Concordia, Missouri pay such low interest on savings accounts?

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

Why are Concordia Bank Of Concordia, Missouri CD rates not competitive?

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

Is Concordia Bank Of Concordia, Missouri a commercial bank?

Yes

Where are Concordia Bank Of Concordia, Missouri locations?

See branch locations nearby.

Is Concordia Bank Of Concordia, Missouri open on Saturdays?

Is Concordia Bank Of Concordia, Missouri open on Sundays?

What time does Concordia Bank Of Concordia, Missouri open?

What time does Concordia Bank Of Concordia, Missouri close?

Are Concordia Bank Of Concordia, Missouri ATMs Open 24/7?

Do Concordia Bank Of Concordia, Missouri ATMs accept cash deposits?

Can Concordia Bank Of Concordia, Missouri customers use other ATMs?

Do Concordia Bank Of Concordia, Missouri branches have notaries?

Will Concordia Bank Of Concordia, Missouri notarize my document?

What address for Concordia Bank Of Concordia, Missouri should I put for incoming ACH transfers?

Will the Concordia Bank Of Concordia, Missouri branch print checks?

Do Concordia Bank Of Concordia, Missouri checks expire?

Does Concordia Bank Of Concordia, Missouri require US citizenship to open account?

Can Concordia Bank Of Concordia, Missouri close my account?

Does Concordia Bank Of Concordia, Missouri Report to credit bureaus?

Does Concordia Bank Of Concordia, Missouri Use Equifax?

What is Concordia Bank Of Concordia, Missouri's ACH Routing Number?

What is Concordia Bank Of Concordia, Missouri's SWIFT code?

Products

Does Concordia Bank Of Concordia, Missouri offer mortgages?

Compare mortgage rates here.

Does Concordia Bank Of Concordia, Missouri offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Concordia Bank Of Concordia, Missouri offer personal loans?

Compare personal loan rates here.

Does Concordia Bank Of Concordia, Missouri offer student loans?

Will Concordia Bank Of Concordia, Missouri cash a check?

Will Concordia Bank Of Concordia, Missouri redeem a savings bond?

Does Concordia Bank Of Concordia, Missouri cash savings bonds?

Will Concordia Bank Of Concordia, Missouri cash money orders?

Can Concordia Bank Of Concordia, Missouri issue a money order?

Does Concordia Bank Of Concordia, Missouri do currency exchange?

Background on The Bank

Who owns Concordia Bank Of Concordia, Missouri?

How long has Concordia Bank Of Concordia, Missouri been around?

Can Concordia Bank Of Concordia, Missouri transfer to other banks?

Does Concordia Bank Of Concordia, Missouri have quick pay?

Does Concordia Bank Of Concordia, Missouri accept rolled coins?

Will Concordia Bank Of Concordia, Missouri accept loose change?

Where is Concordia Bank Of Concordia, Missouri headquarters?

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