Concordia Bank & Trust Company
Headquarters
904 Carter St
Vidalia, LA 71373
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2026 Overview
General Bank Information
Concordia Bank & Trust Company is an FDIC insured institution located in Vidalia, LA. It was founded in 1903 and has approximately $0.67 billion in assets. Customers can open an account at one of its 7 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 8527 |
| Date Established | 1903 |
| Assets | $ 667.02 million |
| Loans | $ 359.55 million |
| Deposits | $ 591.72 million |
| Capital | $ 64.26 million |
For a more detailed analysis of Concordia Bank & Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - October 6, 2026
Your Current Location: Indiana, IN
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Loan Rates - October 6, 2026
Your Current Location: Indiana, IN
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Branches
Concordia Bank & Trust Company 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:
Michigan City,Indiana
Concordia Bank & Trust Company Locations
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 739.11 | A | View Lobby Hours | |
| 739.81 | B | View Lobby Hours | |
| 741.02 | C | View Lobby Hours | |
| 741.02 | D | View Lobby Hours | |
| 741.10 | E | View Lobby Hours | |
| 760.67 | F | View Lobby Hours | |
| 769.23 | G | View Lobby Hours |
Climate Policy and Initiatives
Concordia Bank & Trust Company is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Concordia Bank & Trust Company Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Concordia Bank & Trust Company. 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 & Trust Company | U.S. Bank Average |
|---|---|
| 19.62% | 5.57% |
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 December 31, 2025, Concordia Bank & Trust Company had $7,895,000 in non-current loans and $5,479,000 in owned real estate. To cover these potential losses it had $64,264,000 in equity and $3,885,000 in loans loss reserves. That gives it a Texas Ratio of 19.62%.
Return on Equity
| Concordia Bank & Trust Company | U.S. Bank Average |
|---|---|
| 11.57% | 10.69% |
Concordia Bank & Trust Company has a Return on Equity of 11.57% versus the BestCashCow average of 10.69%. 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 & Trust Company | U.S. Bank Average |
|---|---|
| 9.63% | 11.75% |
Concordia Bank & Trust Company has a Capitalization of 9.63% versus the BestCashCow average of 11.75. 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 & Trust Company Balance Sheet Analysis
As of March 31, 2026, Concordia Bank & Trust Company had assets of $667,023,000, loans of $359,548,000, and deposits of $591,715,000. 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, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 67.17 million |
| Interest-bearing balances | $ 56.76 million |
| Total securities | $ 212.23 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 359.55 million |
| Loan loss allowance | $ 3.89 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 5.48 million |
| Goodwill and other intangibles | $ 1.40 million |
| All other assets | $ 14.39 million |
| Total Assets | $ 608.04 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 591.72 million |
| Interest-bearing deposits | $ 414.53 million |
| Deposits held in domestic offices | $ 591.72 million |
| % insured (estimated) | 61.62% |
| Federal funds purchased and repurchase agreements | $ 12.55 million |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 3.45 million |
| Total Liabilities | $ 608.04 million |
| Shareholders’ Equity | $ 58.99 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 7.82 million |
| Total Interest Expense | $ 2.49 million |
| Net interest income | $ 5.33 million |
| Provision for loan and lease losses | $ 0.03 million |
| Total non interest income | $ 0.72 million |
| Total non interest expense | $ 4.30 million |
| Pre-tax Net Operating Income | $ 3.71 million |
Bank Loan Profile?
The top three loan types in Concordia Bank & Trust Company’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.
Compared to other banks in Louisiana, Concordia Bank & Trust Company has a significantly higher percent of Multifamily Mortgages, 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.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 17.37 | ✓ | ||
| Multifamily Mortgages |
5.75 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.32 | ✓ | ||
| Small Business Loans | 0.00 | ✓ | ||
| Construction and Development Loans | 8.84 | ✓ | ||
| Commercial Real Estate | 35.57 | ✓ | ||
| Commercial and Industrial Loans | 4.86 | ✓ | ||
| Farm Loans | 2.20 | ✓ | ||
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