Concordia Bank & Trust Company
Vidalia, LA
IDRSSD: 819556
Total Assets
$643.11M
Latest filing
Total Deposits
$561.38M
Latest filing
Net Interest Margin
3.52%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Concordia Bank & Trust Company
904 Carter St
Vidalia, LA 71373
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/01/1903FDIC Certificate 5435
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Concordia Bank & Trust Company (Main) | 904 Carter St | Vidalia, LA |
| FERRIDAY BRANCH | 212 Ee Wallace Blvd N | Ferriday, LA |
| MONTEREY BRANCH | 6292 Highway 129 | Monterey, LA |
| SOUTH NATCHEZ BRANCH | 45 Sargeant Road | Natchez, MS |
| WILKINSON COUNTY BRANCH | 498 Main St | Woodville, MS |
| NORTH NATCHEZ BRANCH | 516 Highway 61 N | Natchez, MS |
| DOWNTOWN NATCHEZ BRANCH | 300 Main St | Natchez, MS |
| SOUTH BATON ROUGE LPO | 8200 Village Plaza Ct | Baton Rouge, LA |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/01/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 71373 |
| State and County Number | 22029 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Natchez, MS-LA |
Operational Info
| Number of Employees | 117 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.concordiabank.com |
| Data Updated | 11/14/2025 |
| CERT | 8527 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $643.11M |
| Total Deposits | $561.38M |
| Total Liabilities | $579.29M |
| Total Equity Capital | $63.82M |
| Net Income | $1.75M |
| Net Loans and Leases | $352.33M |
| Assets Per Employee ($Millions) | $5.54M |
| Bank Premises and Fixed Assets | $12.32M |
| Cash and Balances due from Depository Institutions | $54.08M |
| Deposits Held in Domestic Offices | $561.38M |
Key Performance Ratios
| Return on Assets (ROA) | 1.1% |
| Return on Equity (ROE) | 11.36% |
| Net Interest Margin | 3.52% |
| Efficiency Ratio | 72.93% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.924% |
| Earning Assets to total Assets | 93.47% |
Income and Expense
| Total Interest Income | $7.66M |
| Total Noninterest Income | $726.00k |
| Total Interest Expense | $2.41M |
| Total Noninterest Expense | $4.35M |
| Net Interest Income | $5.24M |
| Pre-tax Net Operating Income | $1.61M |
| Provision for Credit Losses | $5.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $5.44M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $13.40M |
| All Other Liabilities | $4.50M |
| Total Liabilities and Capital | $643.11M |
Securities
| Securities | $203.29M |
| Available-for-sale debt securities | $115.28M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $84.82M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Concordia Bank & Trust Company?
$643.11M as of the latest filing.
How much are Concordia Bank & Trust Company's total deposits?
$561.38M in total deposits.
Where is Concordia Bank & Trust Company located?
Vidalia, LA.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
9.
When was it established?
07/01/1903.
What is the Return on Assets (ROA)?
1.1%.
How much are total loans and leases?
$352.33M (latest filing).
What is the total interest income (latest filing)?
$7.66M.