Bank of Columbia
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Data as of · sourced from FFIEC call reports. How we update
Bank of Columbia is an FDIC-insured commercial bank headquartered in Columbia, KY, established in 1866 (FDIC certificate 8775), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $231.1M, up 6.1% from Q2 2025, the 74th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.31% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8775
- Headquarters
- Columbia, KY
- Established
- 1866
- Total assets, Q2 2026
- $231.1M
- Assets vs Q2 2025
- +6.1%
- Tier 1 leverage ratio, Q2 2026
- 9.31%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 083903098
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Columbia call report
- Holding company
- COLUMBIA BANCSHARES, INC.
- Asset rank in state
- 74th of 120 in Kentucky
Bank of Columbia is one of the more profitable banks of its size. It reported $231 million in assets at June 30, 2026, up 6.1% from a year earlier. It earns about $2.21 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also keeps 4.67 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter slipped 12% from a year earlier, to $1.3 million. Where it has less room is capital: it funds 9.31% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Bank of Columbia reported a return on assets of 2.21%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.52%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Bank of Columbia is the 74th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $231.1M, loans rose 0.2% and deposits rose 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.7% of total loans, followed by farmland and other real estate loans at 19.3%. Its 3 offices in the FDIC Summary of Deposits are in Columbia, KY. Judged on its Q2 2026 call report, Bank of Columbia meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 144 Public Sq, Columbia, KY 42728
- County
- Adair
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1866
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $209.2M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $20K
- Average total assets
- $234.4M
- Average total loans
- $185.3M
- Average interest-bearing deposits
- $159.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8775
- Fed RSSD
- 839246
- Website
- www.bankcolumbia.com →
- Parent Holding Company
- COLUMBIA BANCSHARES, INC. (RSSD 1132140)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Columbia reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Columbia's total assets ranged from $190.7M (Q3 2023) to $231.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$231.1M total assets against $217.7M; $210.7M total liabilities against $199.1M.
$183.2M net loans and leases against $175.3M; $209.2M total deposits against $198.1M.
$26.6M securities against $26.4M; $16.0M cash and balances due against $11.8M.
$3.6M total interest income against $3.4M; $970K total interest expense against $918K.
$2.6M net interest income against $2.5M.
$217K total noninterest income against $427K; $1.6M total noninterest expense against $1.5M.
$8K provision for credit losses against -$3K.
$1.3M net income against $1.5M.
2.21% return on assets against 2.70%; 4.67% net interest margin against 4.73%.
9.31% tier 1 leverage ratio against 9.40%.
Inside the full Bank of Columbia terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Columbia rankings
Its closest position to the top of a national ranking is 308 of 3,611, for ROA; its furthest is 2,460 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.16% (Q4 2024) to 2.70% (Q2 2025) and its net interest margin ran from 4.45% (Q3 2024) to 4.77% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.31% | 2.21% | 0.19% | 1.52% | 4.67% |
| Q1 2026 | 9.32% | 2.30% | 0.90% | 7.34% | 4.48% |
| Q4 2025 | 9.20% | 2.28% | 1.15% | 9.60% | 4.62% |
| Q3 2025 | 9.45% | 2.27% | 0.91% | 7.56% | 4.77% |
| Q2 2025 | 9.40% | 2.70% | 0.16% | 1.31% | 4.73% |
| Q1 2025 | 9.62% | 2.47% | 0.08% | 0.64% | 4.52% |
| Q4 2024 | 9.09% | 2.16% | 0.14% | 1.19% | 4.59% |
| Q3 2024 | 9.33% | 2.47% | 0.18% | 1.53% | 4.45% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Columbia (main office) | Columbia , KY | 42728 | $209.2M |
| Merchant Street Drive-In Branch | Columbia , KY | 42728 | $0 |
| Jamestown Street Branch | Columbia , KY | 42728 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 93 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $76K approved, $76K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Columbia
What are Bank of Columbia's total assets?
As of the Q2 2026 filing, Bank of Columbia reported total assets of $231.1 million in its FFIEC call report.
Where is Bank of Columbia headquartered?
It is headquartered in Columbia, KY, United States.
When was Bank of Columbia founded?
It was established in 1866, per the FDIC institution directory.
Is Bank of Columbia FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8775). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Columbia?
Bank of Columbia's primary federal regulator is the FDIC.
How many branches does Bank of Columbia operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Columbia's Texas Ratio?
Its Texas Ratio is 1.52% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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