Clarence, MO · Cert 16247 · Columbia Bancshares 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.61% | -0.64% | -6.51% | -4.06% | -3.63% | -624 bps | |
| Return on Equity | 17.51% | -4.55% | -49.87% | -35.49% | -35.02% | -5,253 bps | |
| Net Interest Margin | 2.54% | 2.86% | 2.61% | 2.25% | 2.52% | -2 bps | |
| Efficiency Ratio | 93.76% | 102.06% | 115.59% | 108.52% | 106.47% | +1,270 bps | |
| Non-Interest Burden | -0.56% | 3.85% | 8.99% | 6.66% | 6.23% | +679 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 43.13% | 26.65% | 23.70% | 28.37% | 4.52% | -3,860 bps | |
| Loan Growth (YoY) | 37.28% | 9.63% | 6.24% | 35.23% | 7.95% | -2,933 bps | |
| Deposit Growth (YoY) | 38.76% | 59.63% | 69.72% | 26.97% | 10.05% | -2,871 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.20% | 1.43% | 1.61% | 1.32% | 1.38% | +18 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.00% | 0.03% | 0.00% | -6 bps | |
| Allowance / Loans | 0.33% | 0.40% | 0.37% | 0.28% | 0.30% | -4 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.2x | 0.2x | 0.2x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.60% | 15.52% | 12.76% | 12.06% | 11.06% | -554 bps | |
| Total Risk-Based Capital | 16.60% | 15.52% | 12.76% | 12.06% | 11.06% | -554 bps | |
| Equity / Assets | 13.87% | 14.13% | 12.02% | 10.88% | 9.83% | -404 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 111.49% | 78.22% | 84.78% | 102.28% | 109.36% | -213 bps | |
| Liquid Assets / Assets | 7.49% | 16.09% | 8.65% | 4.44% | 5.15% | -234 bps | |
| CRE / Total Capital | n/a | 1.86% | 1.69% | 1.78% | n/a | n/a | |