Fees from its schedule are under review and appear here once review is done.
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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
66th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 10, 2026
Call-report figures are for Concordia Bank of Concordia, Missouri 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 1,681 banks with under $300M 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 U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Concordia Bank of Concordia, Missouri's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.8% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (66th 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 $45K in Q2 2026, 17% below the same quarter a year earlier ($54K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Concordia Bank of Concordia, Missouri (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 | $45K | −$3K | −6.3% |
| Q1 2026 | $48K | −$2K | −4.0% |
| Q4 2025 | $50K | −$5K | −9.1% |
| Q3 2025 | $55K | +$1K | +1.9% |
| Q2 2025 | $54K | −$3K | −5.3% |
| Q1 2025 | $57K | +$6K | +11.8% |
| Q4 2024 | $51K | −$3K | −5.6% |
| Q3 2024 | $54K | +$8K | +17.4% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Concordia Bank of Concordia, Missouri 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 of Concordia, Missouri by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| 50 Plus Checking monthly fee if balance falls below $100 minimum (audience not stated, treated as personal) | $6 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $10 | per month | None |
| Monthly Service Charge (audience not stated, treated as personal) | $10 | per month | None |
| Second Chance Checking Monthly Service Charge (audience not stated, treated as personal) | $10 | per month | None |
| Paper statement service charge (audience not stated, treated as personal) | $2.50 | Not stated | None |
Digital & ElectronicUnder review | |||
| Online banking with bill pay (audience not stated, treated as personal) | No charge | Not stated | None |
Other feesUnder review | |||
| 50 Plus Checking monthly fee if balance falls below $100 minimum (audience not stated, treated as personal) | $6 | per month | None |
| Being enrolled for an electronic statement is a condition of having a Kasasa account. If you are not enrolled to receive (audience not stated, treated as personal) | $2.50 | Not stated | None |
| If you are not enrolled to receive an eStatement there will be a (audience not stated, treated as personal) | $2.50 | Not stated | None |
| Limited to 6 withdrawals per statement month - 3 of which may be made by check to a third party (audience not stated, treated as personal) | $5 | Not stated | None |
| Limited to 6 withdrawals per statement month - 3 of which may be made by check to a third party. (audience not stated, treated as personal) | $5 | Not stated | None |
| maintenance charge per month on accounts falling below minimum (audience not stated, treated as personal) | $10 | per month | None |
| Money Market Investment Checking maintenance charge (audience not stated, treated as personal) | $10 | per month | None |
| Online banking with bill pay (audience not stated, treated as personal) | No charge | Not stated | None |
| Paper statement service charge (audience not stated, treated as personal) | $2.50 | Not stated | None |
| Second Chance Checking Monthly Service Charge (audience not stated, treated as personal) | $10 | per month | None |
| When Kasasa Cash qualifications are not met, all balances in the account earn (audience not stated, treated as personal) | Not stated | Not stated | None |
| You will also receive reimbursements up to ( (audience not stated, treated as personal) | $4.99 | per month | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 10, 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 of Concordia, Missouri operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $114.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $92.3M | |
| Outside a metro area | 1 | $21.8M |
Kansas City, MO-KS
0.1% of bank deposits, #72 of 114, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| UMB Bank, National Association | 34.5% |
| Commerce Bank | 9.9% |
| Bank of America, National Association | 5.5% |
| U.S. Bank National Association | 5.4% |
| Security Bank of Kansas City | 3.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Kansas City, MO-KS, Concordia Bank of Concordia, Missouri holds 0.1% of bank deposits, #72 of 114, with 3 offices.
773 offices of 157 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 114 institutions shown. $99.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.1% share, 3 offices, #72 of 114
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
122 offices of 44 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 4, 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
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows