BANK OF COLUMBIA

COLUMBIA, KY | Small | Est. Jan. 1, 1866, midnight | FDIC #8775 | RSSD #839246 | FDIC
Latest Report: 2025-12-31

BANK OF COLUMBIA is asn small FDIC-insured commercial bank headquartered in COLUMBIA, KY, established in Jan. 1, 1866, midnight. As of 2025-12-31, the bank reported total assets of $230M and total deposits of $203M. Profitability stands at 2.27% ROA and 26.50% ROE, with a net interest margin of 4.86%. The bank's CET1 capital ratio is 8.50%. Asset quality metrics show a non-performing loan ratio of 0.34% and a Texas Ratio of 2.84%. FDIC Certificate #8775.

Assets

$230M

Deposits

$203M

Loans

$188M

Equity

$20M

Profitability

Return on Assets (ROA) 2.27%
Return on Equity (ROE) 26.50%
Net Interest Margin (NIM) 4.86%
Yield on Assets 6.79%
Cost of Funds 1.95%

Asset Quality

NPL Ratio 0.34%
Net Charge-Off Ratio 0.03%
Texas Ratio 2.84%
NPA Ratio 0.28%
ACL / Loans 1.57%

Capital & Liquidity

CET1 Ratio 8.50%
Tier 1 Capital 8.50%
Total Capital Ratio 8.93%
Leverage Ratio 9.20%
Loan-to-Deposit 92.72%

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