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Bank of Columbia

Columbia, KY · Cert 8775 · Columbia Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$231.1MAssets
$186.1MLoans
$209.2MDeposits
$20.4MEquity
Loan mix
84%RE $140.9M12%C&I $19.9M4%Consumer $7.3MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $154.5M26%Noninterest $54.7MQ2 2025Q2 2026

NIM

6.09%Q2 ’246.27%Q2 ’256.16%Q2 ’26+10%-2%

Non-interest income vs. expense

2.45%Q2 ’242.67%Q2 ’252.65%Q2 ’26-6%+21%

Executive Summary

  • Earnings: ROA of 1.76%, down 39 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 0.19% of loans (+3 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.31%, down 9 bps from a year ago.
  • Funding: loans stand at 88.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.76%-39 bps YoY

Net Interest Margin (quarter, annualized)

4.51%-8 bps YoY

Efficiency Ratio (quarter, annualized)

54.41%+466 bps YoY

Tier 1 Leverage Ratio

9.31%-9 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.16%1.78%1.79%1.80%1.76%-39 bps
Return on Equity25.38%20.74%20.91%21.01%20.24%-514 bps
Net Interest Margin4.59%4.67%4.49%4.33%4.51%-8 bps
Efficiency Ratio49.74%51.59%52.22%51.93%54.41%+466 bps
Non-Interest Burden1.89%2.22%2.10%2.02%2.28%+39 bps
Growth
Asset Growth (YoY)7.44%9.07%9.28%7.89%6.14%-129 bps
Loan Growth (YoY)5.67%7.43%8.69%7.92%4.51%-116 bps
Deposit Growth (YoY)6.84%5.80%5.37%7.41%5.62%-122 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.91%1.15%0.90%0.19%+3 bps
Net Charge-Offs / Loans0.02%0.01%0.02%0.02%0.03%+1 bps
Allowance / Loans1.58%1.56%1.57%1.59%1.58%0 bps
Allowance Coverage of NPLs10.0x1.7x1.4x1.8x8.3x-1.7x
Capital
Tier 1 Leverage Ratio9.40%9.45%9.20%9.32%9.31%-9 bps
Total Risk-Based Capital9.40%9.45%9.20%9.32%9.31%-9 bps
Equity / Assets8.57%8.61%8.50%8.61%8.82%+25 bps
Liquidity & Funding
Loans / Deposits89.90%93.89%92.72%89.06%88.95%-95 bps
Liquid Assets / Assets3.50%3.71%4.33%4.91%5.20%+170 bps
CRE / Total Capitaln/a175.41%173.49%162.88%n/an/a