| Metric | Concorde Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.0% | +3.0% | +7.0 pts |
| Deposit growth (YoY) | +13.6% | +2.5% | +11.1 pts |
| Loan growth (YoY) | -2.9% | +2.6% | -5.5 pts |
| ROA | 1.02% | 0.99% | +0.0 pts |
| ROE | 10.4% | 8.1% | +2.3 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $88.3M | $79.1M | $64.4M | $8.8M | $452K | 1.02% | 5.02% | 2.11% |
| Q1 2026 | $90.0M | $80.9M | $65.6M | $8.6M | $172K | 0.78% | 4.88% | 1.96% |
| Q4 2025 | $87.2M | $78.0M | $65.7M | $8.7M | $1.3M | 1.69% | 5.00% | 2.12% |
| Q3 2025 | $80.1M | $70.1M | $66.7M | $8.5M | $1.1M | 1.82% | 5.06% | 2.31% |
| Q2 2025 | $80.3M | $69.6M | $66.4M | $8.2M | $716K | 1.85% | 5.03% | 2.73% |
| Q1 2025 | $77.8M | $69.2M | $63.8M | $8.0M | $353K | 1.86% | 4.99% | 2.95% |
| Q4 2024 | $73.8M | $65.6M | $63.1M | $7.7M | $1.3M | 1.76% | 5.05% | 1.41% |
| Q3 2024 | $74.0M | $65.9M | $61.4M | $7.6M | $1.1M | 1.88% | 5.03% | 1.08% |
Loan mix (Q2 2026): real estate $51.4M · commercial $9.3M · consumer $3.3M · securities $3.3M
| Ratio | Concorde Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 0.99% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 8.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.02% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.5% | 70.8% | 28th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Concorde Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Concorde Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Concorde Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Concorde Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Concorde Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2024) · $69.6M branch deposits. Biggest market: Kandiyohi, MN, ranked 11th with 3.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kandiyohi, MN | 2 | $69.6M | 3.68% | 11th |
Minnesota: 279th with 0.02% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2