Columbia, KY · Cert 8775 · Columbia Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.69% | 1.71% | 1.91% | 2.03% | 1.94% | 1.91% | 1.80% | 1.78% | -25 bps | |
| Return on Equity | 20.57% | 20.81% | 23.00% | 24.22% | 23.00% | 22.58% | 21.01% | 20.58% | -364 bps | |
| Net Interest Margin | 4.14% | 4.09% | 4.42% | 4.39% | 4.45% | 4.38% | 4.33% | 4.37% | -3 bps | |
| Efficiency Ratio | 51.62% | 51.92% | 49.75% | 49.75% | 50.37% | 50.84% | 51.93% | 53.19% | +345 bps | |
| Non-Interest Burden | 1.89% | 1.90% | 1.94% | 1.87% | 1.97% | 1.96% | 2.02% | 2.13% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.56% | 6.88% | 6.60% | 7.44% | 9.07% | 9.28% | 7.89% | 6.14% | -129 bps | |
| Loan Growth (YoY) | 9.71% | 7.77% | 5.22% | 5.67% | 7.43% | 8.69% | 7.92% | 4.51% | -116 bps | |
| Deposit Growth (YoY) | 8.57% | 11.29% | 8.20% | 6.84% | 5.80% | 5.37% | 7.41% | 5.62% | -122 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.14% | 0.08% | 0.16% | 0.91% | 1.15% | 0.90% | 0.19% | +3 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.04% | 0.07% | 0.04% | 0.03% | 0.03% | 0.02% | 0.02% | -2 bps | |
| Allowance / Loans | 1.62% | 1.64% | 1.64% | 1.58% | 1.56% | 1.57% | 1.59% | 1.58% | 0 bps | |
| Allowance Coverage of NPLs | 9.0x | 12.0x | 21.2x | 10.0x | 1.7x | 1.4x | 1.8x | 8.3x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.33% | 9.09% | 9.62% | 9.40% | 9.45% | 9.20% | 9.32% | 9.31% | -9 bps | |
| Total Risk-Based Capital | 9.33% | 9.09% | 9.62% | 9.40% | 9.45% | 9.20% | 9.32% | 9.31% | -9 bps | |
| Equity / Assets | 8.49% | 8.14% | 8.44% | 8.57% | 8.61% | 8.50% | 8.61% | 8.82% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.46% | 89.90% | 88.64% | 89.90% | 93.89% | 92.72% | 89.06% | 88.95% | -95 bps | |
| Liquid Assets / Assets | 0.86% | 3.17% | 4.29% | 3.50% | 3.71% | 4.33% | 4.91% | 5.20% | +170 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 175.41% | 173.49% | 162.88% | n/a | n/a | |