Bank · FDIC insured
Concordia Bank & Trust Co.
A $667M bank headquartered in Vidalia, LA, with 8 branches in 2 states. Best rates: CDs 3.29% and savings 0.50% APY.
Concordia Bank & Trust Co. Carrot Score
67
Carrot Score
Higher than 19% of U.S. banks and credit unions
#1 of 2 in Natchez, MS-LA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Concordia Bank & Trust Co.
Founded in 1903 as the Bank of Vidalia, Concordia Bank & Trust Company is a Louisiana state-chartered bank.
In 1918, the bank acquired Ferriday State Bank and later changed its name to Concordia Bank & Trust Company in 1926.
It expanded across the Miss-Lou region by purchasing Wilkinson County Savings Bank in 1999 and opening a branch in Natchez in 2002.
- Headquarters
- 904 Carter St, Vidalia, LA 71373
- FDIC certificate
- 8527 ↗
Branches
8 branches in 2 states
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Louisiana
4 branches
Natchez area · 3
- Concordia Bank & Trust CompanyMain office904 Carter St, Vidalia, LA 71373Directions
- Ferriday Branch212 Ee Wallace Blvd N, Ferriday, LA 71334Directions
- Monterey Branch6292 Highway 129, Monterey, LA 71354Directions
Baton Rouge area · 1
- Baton Rouge Branch5032 Perkins Rd, Baton Rouge, LA 70808Directions
Mississippi
4 branches
Natchez area · 3
- Downtown Natchez Branch300 Main St, Natchez, MS 39120Directions
- North Natchez Branch516 Highway 61 N, Natchez, MS 39120Directions
- South Natchez Branch45 Sargeant Road, Natchez, MS 39120Directions
Woodville area · 1
- Wilkinson County Branch498 Main St, Woodville, MS 39669Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.12% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.54% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.13% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $62 | $81 | — |
- CapitalLeverage ratio11.12%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.54%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.13%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$62Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Concordia Bank & Trust Co. are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.