# CONCORD BANK
SAINT LOUIS, MO · FDIC certificate 34119 · asset band <$300M · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $113.8M | |
| Deposits | $101.6M | |
| Loans and leases | $97.9M | |
| Total equity | $11.8M | |
| Loans / deposits | 94.65% (p86 of band) | 73.15% |
| Liquid assets / assets | 9.89% (p4 of band) | |
| Uninsured deposits / deposits | 7.25% (p19 of band) | 14.12% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.18% (p23 of band) | 10.64% |
| Unrealized securities loss / equity | 0.98% (p64 of band) | 0.27% |
| AOCI / equity | -0.08% (p48 of band) | |
| ROA (annualized) | -0.38% (p4 of band) | 0.82% |
| Net interest margin | 3.67% (p52 of band) | 3.64% |
| Efficiency ratio | 77.31% (p60 of band) | |
| Noncurrent loans | 1.55% (p73 of band) | 0.67% |
| Net charge-offs (annualized) | 0.60% (p96 of band) | |
| Reserve coverage of noncurrent | 116.41% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 70.39% (p89 of band) | |
| Auto loans | $25,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.5% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | construction >100% equity |
| 2012-03 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 3 | capital falling, construction >100% equity |  |
| 2012-12 | 5 | leverage <7%, losing money, expense ratio p90 | charge-offs p90 |
| 2013-03 | 4 | reserve under noncurrent, assets shrinking | capital falling, losing money, expense ratio p90 |
| 2013-06 | 5 | deposits shrinking, uninsured deposits leaving | leverage <7% |
| 2013-09 | 5 | charge-offs p90 | uninsured deposits leaving |
| 2013-12 | 5 |  |  |
| 2014-03 | 5 |  |  |
| 2014-06 | 5 |  |  |
| 2014-09 | 8 | capital falling, losing money, noncurrent p90 |  |
| 2014-12 | 8 | uninsured deposits leaving | capital falling |
| 2015-03 | 5 |  | construction >100% equity, charge-offs p90, losing money |
| 2015-06 | 3 | charge-offs p90 | reserve under noncurrent, noncurrent p90, uninsured deposits leaving |
| 2015-09 | 1 |  | assets shrinking, deposits shrinking |
| 2015-12 | 5 | liquid assets <10%, losing money, deposits shrinking, assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-10-29 [Concord Bank names Lance Greunke interim president, CEO - St. Louis Call Newspapers](https://news.google.com/rss/articles/CBMiigFBVV95cUxNM1h0VU1kbVprRm5oc3BGUDRyakEwcmJTUXA3a0J2UTRISS1KV1Q2U2hsaVBldmtPYkNWd2c4Q2cyajk1ckFxYjlrLUlGZ1dnakk0RTlCZ25MYm5HZk9SM05HbHNnVjRwNHNPXzVRT0tqX2E1dS1rU3pfX29nTy11RW8yVV9rRUpzWFE?oc=5) · St. Louis Call Newspapers
- 2014-06-28 [Unofficial Problem Bank list declines to 468 Institutions, Q2 2014 Transition Matrix - Calculated Risk](https://news.google.com/rss/articles/CBMikgFBVV95cUxOSUFUUFMzT2JPM0xhYkZjbU94c2U3RTRROU1pcEtFNUZXS0dxTmtSTldvbnRqRGFoeHVUOW9sbnRocmdfOWVRX3VDNExTc2JTNDRZTWJURU16SmVESHlNQnNPV2FJaXZQVERjVldCOUJETE8tRmxtMVAxZ1p5VDhqLXROZkRNdzJQbmY2VUJjX3gtUQ?oc=5) · Calculated Risk
- 2016-12-30 [Fewer St. Louis banks, but still a lot of branches - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQaUxfOVZTTUxMZmZKOE5UamRFTmRUQ1ZIbVNqWEJmUE1uTl9GVUhraFBXYnhuSkhESDVNMzFXZTBJa1RmYmtFSDZFM3R2QXl0azMyVUx4cFk4M0dla0h4X1VGS2xETjFNVXhFTDBWakhydlY4Z1Z3WVozZE0tZ2dZaTZaZjRLeWZYOWhCMHNhUHJTVHdpcE9wb2xfS2FTbElPMEZBTGIyZU8?oc=5) · The Business Journals
- 2026-05-07 [DGF completes liquidation of Concord Bank - ukranews.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOREdIYmppSUhXeGV3ZUgxM3F4ZjJhRU04V2dPRWw0WTNZdG04UWNSNHhBVUUxMmVLN1VORFpvTzk5SkFCbGdVdS1PVm5kSVhDbmQ3blZxdklwdER6QVNqbFhmTGgzQ1dXRHM4Wml3by1XMFdhZS1EMm9IRVhFQWlwaWtTOTjSAYoBQVVfeXFMUENhazVEYkZWamRiNG9oWl9Kdll5cmE1N3hnUTJvNnROdDNEZFdIeUxDTkZOZGxwUElubklwckhPQW9wY1ppdHY0YXFKNW5fdnI0TF9XMWsxaGRoaG1GTHh2WjVJSE9VUElUQjJQdHFvd3RYRkZHcFJDTzd5dXdBMGRlbTB5UTUtdVV3?oc=5) · ukranews.com
- 2017-04-09 [The hunt for the Incognito Bandit - The Boston Globe](https://news.google.com/rss/articles/CBMirAFBVV95cUxOejZvQTlUaTFQT192eWotZVZ3TUF4YVd0dUZtd3A4blQtbVViTll5YzhwUUttSmhDM2NLaldtZGdUckxqemVqR0JVbjBnWm9TdlpqdWIxa3piMXB5eFhySEZWVm8ta05tUF9RVmF1R2JhZFZKZkxoZVI0cUVTX09FU2cxRVJER1gxMjZNV1FkZnhMYWJIcnJvTEJ4TUV2LW9QRjFOUW5TNlFxTGVK?oc=5) · The Boston Globe

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34119 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "34119", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide