Bank of Columbia
Columbia, KY · Cert 8775 · Peer group: banks under $1B in assets in KY (n=69) · Columbia Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$231.1MAssets
$186.1MLoans
$209.2MDeposits
$20.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 94% of banks under $1B in assets in KY (rank 4 of 69).
- Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in KY (rank 66 of 69).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.77%
Rank 6 of 69
Net Interest Margin
4.37%
Rank 10 of 69
Efficiency Ratio
53.19%
Rank 15 of 69
Equity / Assets
8.82%
Rank 48 of 69
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 80% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.77% | 0.83% | 1.18% | 1.44% | Beats 91% | 6 / 69 | |
| Return on Equity | 20.10% | 7.64% | 11.70% | 15.70% | Beats 94% | 4 / 69 | |
| Net Interest Margin | 4.37% | 3.45% | 3.75% | 3.96% | Beats 86% | 10 / 69 | |
| Efficiency Ratio | 53.19% | 55.32% | 62.99% | 70.80% | Beats 80% | 15 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.18% | 0.52% | 1.14% | Beats 72% | 20 / 69 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 59% | 29 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 9.31% | 11.33% | 13.58% | 16.27% | Beats 4% | 66 / 69 | |
| Total Risk-Based Capital Ratio | 9.31% | 11.55% | 14.43% | 17.27% | Beats 4% | 66 / 69 | |
| Equity / Assets | 8.82% | 8.31% | 9.91% | 12.53% | Beats 30% | 48 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 88.95% | 71.40% | 81.07% | 88.03% | 75th pctl | 17 / 69 | |
| Loans / Assets | 80.53% | 61.10% | 68.66% | 76.68% | 80th pctl | 14 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |