Compared with Louisiana
4 of 17
compared fees are above the median.
8 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
93rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Louisiana median
of 17 compared; 8 below, 5 about the same
See the feesFee schedule read Oct 19, 2026
Call-report figures are for Concordia Bank & Trust Company at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Louisiana median | Published fees above the Louisiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Concordia Bank & Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Oct 19, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 6.0% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (93rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $373K in Q2 2026, 0.8% above the same quarter a year earlier ($370K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 17 compared published fees sit above the Louisiana median; 8 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Louisiana medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $6, the middle of its prices. Leaves out 1 fee charged on a different basis filed under this fee.
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Louisiana, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 5.8% from Q3 2025 to Q2 2026, to $373K. Its share of revenue, 6.0%, is above the 2.1% median for banks with $300M to $1B in assets.
$373K
Concordia Bank & Trust CompanyMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $4 to $8; we compare the midpoint.
Concordia Bank & Trust Company · $667M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Concordia Bank & Trust Company(this institution) | Vidalia, LA | $667M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| AbbyBank | Abbotsford, WI | $662M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Carroll Bank and Trust | Huntingdon, TN | $662M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Carver Federal Savings Bank | New York, NY | $658M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| CCB Community Bank | Andalusia, AL | $662M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Classic Bank, National Association | Cameron, TX | $657M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Constitution Bank, National Association | Hillsboro, IL | $683M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers & Merchants Bank of Colby | Colby, KS | $651M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers Bank | Buhl, ID | $678M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Finance Factors, Ltd. | Honolulu, HI | $684M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Hope Bank, A National Banking Association | Hope, NJ | $657M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank and Trust Company, Inc. | Caruthersville, MO | $659M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Henderson State Bank | Henderson, NE | $678M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Homeland Federal Savings Bank | Columbia, LA | $658M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Metairie Bank & Trust Company | Metairie, LA | $666M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Tripoli Bank | New Tripoli, PA | $674M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pennian Bank | Mifflintown, PA | $668M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Peoples Bank & Trust | Pana, IL | $657M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| PS Bank | Wyalusing, PA | $675M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Springs Valley Bank & Trust Company | French Lick, IN | $675M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Stockmens Bank | Colorado Springs, CO | $651M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Hardin County Bank | Savannah, TN | $677M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Poca Valley Bank, Inc. | Walton, WV | $666M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Stephenson National Bank and Trust | Marinette, WI | $677M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| TXN Bank | Hondo, TX | $669M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Worthington Bank | Arlington, TX | $655M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $6, the middle of its two prices, against a peer median of $9.74 among 18 publishing peers.
Its two checking prices are $4 and $8.
$6 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for Concordia Bank & Trust Company (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $373K | −$5K | −1.3% |
| Q1 2026 | $378K | −$3K | −0.8% |
| Q4 2025 | $381K | −$15K | −3.8% |
| Q3 2025 | $396K | +$26K | +7.0% |
| Q2 2025 | $370K | −$10K | −2.6% |
| Q1 2025 | $380K | $0 | 0.0% |
| Q4 2024 | $380K | +$4K | +1.1% |
| Q3 2024 | $376K | +$5K | +1.3% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Concordia Bank & Trust Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Concordia Bank & Trust Company by share.
Amounts from Concordia Bank & Trust Company’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per quarter
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Quarterly Service Charge | $9Not compared: Quarterly charge, not monthly | per quarter | None |
| Early Closing Fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Fee for Early Closing of Account (Closed Within 90 Days Of Opening) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Oct 19, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Concordia Bank & Trust Company operates, and what regulators and customers have on file.
Branch footprint
8 offices in 2 states, $585.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 7 | $570.8M |
| 1 | $14.9M |
Baton Rouge, LA
0.1% of bank deposits, #36 of 40, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 31.7% |
| Hancock Whitney Bank | 14.4% |
| Capital One, National Association | 10.8% |
| b1BANK | 7.2% |
| Regions Bank | 6.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Baton Rouge, LA, Concordia Bank & Trust Company holds 0.1% of bank deposits, #36 of 40, with 1 office.
279 offices of 68 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 40 institutions shown. $26.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2020 to 2026
June 2026: 0.1% share, 1 office, #36 of 40
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2020 to 2026.
Credit unions, reported separately
90 offices of 31 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts