Columbus, TX · Cert 12315 · Columbus Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | -0.03% | 0.80% | 0.73% | 0.83% | 0.70% | 0.89% | 0.77% | +4 bps | |
| Return on Equity | 6.84% | -0.29% | 7.14% | 6.19% | 6.57% | 5.36% | 6.85% | 5.86% | -33 bps | |
| Net Interest Margin | 2.63% | 2.65% | 2.72% | 2.81% | 2.85% | 3.05% | 2.96% | 2.96% | +15 bps | |
| Efficiency Ratio | 67.77% | 72.24% | 67.67% | 71.03% | 66.67% | 73.26% | 66.04% | 70.20% | -83 bps | |
| Non-Interest Burden | 1.71% | 1.85% | 1.75% | 1.93% | 1.82% | 2.16% | 1.87% | 2.02% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.14% | -0.92% | 1.08% | 0.17% | 1.36% | 7.27% | 6.12% | 8.33% | +816 bps | |
| Loan Growth (YoY) | -8.46% | -5.68% | -4.21% | -2.10% | -0.06% | -0.71% | 4.50% | 0.85% | +295 bps | |
| Deposit Growth (YoY) | -3.52% | -1.90% | -0.49% | -1.68% | 0.14% | 4.97% | 4.33% | 8.68% | +1,035 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.13% | 0.13% | 0.12% | 0.00% | 0.12% | 0.14% | 0.00% | -12 bps | |
| Net Charge-Offs / Loans | 0.11% | 2.65% | -0.04% | -0.02% | -0.03% | 0.09% | 0.02% | 0.03% | +6 bps | |
| Allowance / Loans | 0.74% | 0.74% | 0.77% | 0.75% | 0.77% | 0.77% | 0.75% | 0.73% | -1 bps | |
| Allowance Coverage of NPLs | 8.0x | 5.8x | 5.8x | 6.1x | 183.5x | 6.6x | 5.3x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.85% | 15.88% | 16.20% | 16.36% | 16.70% | 16.76% | 16.25% | 16.34% | -1 bps | |
| Total Risk-Based Capital | 34.83% | 15.88% | 16.20% | 16.36% | 16.70% | 16.76% | 16.25% | 16.34% | -1 bps | |
| Equity / Assets | 12.17% | 10.98% | 11.42% | 12.04% | 13.22% | 12.93% | 12.95% | 13.25% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.82% | 37.23% | 35.94% | 39.06% | 37.75% | 35.21% | 36.00% | 36.25% | -281 bps | |
| Liquid Assets / Assets | 8.67% | 7.90% | 11.18% | 10.52% | 11.02% | 16.95% | 16.92% | 19.12% | +860 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 44.54% | 46.88% | 43.46% | n/a | n/a | |