COLUMBUS BANK AND TRUST COMPANY

Latest Report: 2025-12-31

COLUMBUS BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in COLUMBUS, NE, established in Dec. 26, 1934, midnight. As of 2025-12-31, the bank reported total assets of $279M and total deposits of $216M. Profitability stands at 1.51% ROA and 15.62% ROE, with a net interest margin of 3.90%. The bank's CET1 capital ratio is 8.05%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 1.84%. FDIC Certificate #15010.

Assets

$279M

Deposits

$216M

Loans

$224M

Equity

$27M

Profitability

Return on Assets (ROA) 1.51%

Return on Equity (ROE) 15.62%

Net Interest Margin (NIM) 3.90%

Yield on Assets 6.41%

Cost of Funds 2.56%

Asset Quality

NPL Ratio 0.00%

Net Charge-Off Ratio -0.05%

Texas Ratio 1.84%

NPA Ratio 0.20%

ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 8.05%

Tier 1 Capital 8.05%

Total Capital Ratio 8.45%

Leverage Ratio 9.24%

Loan-to-Deposit 103.47%

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