PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Columbia Post Office

Columbia, SC · Charter 61065

NCUA · 2 branches

Q2 2026

$25.2MAssets
$3.6MLoans
$19.0MShares
$6.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.89%, up 11 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.28% of loans (-212 bps YoY).
  • Capital: net worth / assets of 24.31%, up 233 bps from a year ago.
  • Funding: loans stand at 18.97% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.89%+11 bps YoY

Net Interest Margin (YTD, annualized)

2.62%+17 bps YoY

Efficiency Ratio (YTD, annualized)

66.82%+145 bps YoY

Net Worth / Assets

24.31%+233 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.29%0.39%0.78%0.68%0.84%0.78%0.89%+11 bps
Return on Equity0.91%1.44%1.87%3.53%3.05%3.60%3.31%3.66%+13 bps
Net Interest Margin2.13%2.15%2.23%2.46%2.48%2.61%2.51%2.62%+17 bps
Efficiency Ratio72.33%70.02%77.33%65.37%65.00%64.21%69.56%66.82%+145 bps
Growth
Asset Growth (YoY)-8.47%-3.55%-6.91%-8.46%-9.55%-11.81%-7.96%-6.13%+233 bps
Loan Growth (YoY)1.29%-5.24%-4.23%-7.66%-13.48%-16.51%-19.04%-15.24%-758 bps
Share Growth (YoY)-11.71%-4.94%-9.16%-11.32%-11.66%-15.59%-11.11%-8.90%+243 bps
Asset Quality
Delinquent Loans / Loans1.16%1.27%1.30%2.40%0.72%1.05%0.23%0.28%-212 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.36%19.79%20.90%21.99%22.23%23.27%23.65%24.31%+233 bps
Net Worth / Assets20.36%19.79%20.90%21.99%22.23%23.27%23.65%24.31%+233 bps
Liquidity & Funding
Loans / Shares19.83%19.43%20.26%20.39%19.42%19.22%18.46%18.97%-142 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps