Columbus Bank and Trust Company
Columbus, NE · Cert 15010 · Peer group: banks under $1B in assets in NE (n=83) · Colbank Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
$274.6MAssets
$223.6MLoans
$218.8MDeposits
$27.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 72% of banks under $1B in assets in NE (rank 23 of 83).
- Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets in NE (rank 77 of 83).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.32%
Rank 32 of 83
Net Interest Margin
3.61%
Rank 43 of 83
Efficiency Ratio
52.43%
Rank 25 of 83
Equity / Assets
10.12%
Rank 59 of 83
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 71% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.32% | 0.93% | 1.20% | 1.51% | Beats 61% | 32 / 83 | |
| Return on Equity | 13.00% | 8.04% | 10.34% | 13.11% | Beats 72% | 23 / 83 | |
| Net Interest Margin | 3.61% | 3.25% | 3.62% | 4.02% | Beats 48% | 43 / 83 | |
| Efficiency Ratio | 52.43% | 51.13% | 59.95% | 67.19% | Beats 71% | 25 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.00% | 0.19% | 0.96% | Beats 63% | 32 / 83 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 42% | 49 / 83 | |
| Capital |
| Tier 1 Capital Ratio | 9.47% | 10.94% | 13.24% | 16.62% | Beats 7% | 77 / 83 | |
| Total Risk-Based Capital Ratio | 9.47% | 11.04% | 13.54% | 17.63% | Beats 7% | 77 / 83 | |
| Equity / Assets | 10.12% | 9.90% | 11.31% | 13.84% | Beats 29% | 59 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 102.22% | 71.97% | 83.15% | 92.22% | 90th pctl | 8 / 83 | |
| Loans / Assets | 81.43% | 57.96% | 69.15% | 77.64% | 86th pctl | 12 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |