Bank of Columbia: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Columbia of Columbia, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.21% | 1.34% | +0.87% | 90th top |
| ROAE | 25.78% | 13.31% | +12.47% | 96th top |
| Net Interest Margin | 4.67% | 3.93% | +0.74% | 85th top |
| Efficiency Ratio | 54.08% | 61.14% | -7.06% | 72nd above |
| PPNR / Avg Assets | 2.22% | 1.68% | +0.54% | 81st top |
| Yield on Earning Assets | 6.37% | 5.67% | +0.70% | 83rd top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.83% | 1.88% | -0.05% | 48th below |
| Net Interest Spread | 3.89% | 3.32% | +0.57% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.94% | -0.75% | 65th above |
| NPA / Total Assets | 0.15% | 0.70% | -0.55% | 64th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 31st below |
| ACL / Total Loans | 1.58% | 1.28% | +0.30% | 83rd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 829.01% | 1538.85% | -709.84% | 80th top |
| Texas Ratio | 1.52% | 7.33% | -5.81% | 67th above |
| Provision / NCO | 0.00% | 1395.96% | -1395.96% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.31% | 12.14% | -2.83% | 18th bottom |
| Equity / Assets | 8.82% | 11.37% | -2.55% | 24th bottom |
| TCE / Tangible Assets | 8.82% | 11.09% | -2.27% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.95% | 80.64% | +8.31% | 31st below |
| Core Deposit Ratio | 85.44% | 86.86% | -1.42% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.14% | 6.85% | -0.71% | 63rd above |
| Loan Growth (Y/Y) | 4.51% | 7.90% | -3.39% | 45th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.62% | 6.29% | -0.67% | 61st above |
See Bank of Columbia's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Columbia, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Columbia profile, how to read a UBPR, or how this data updates.