Bank of Columbia: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 127.30 percentage points lower than in Q1 2026, at 829.01%. Among 119 Kentucky banks, Bank of Columbia sits 9th from the top on return on assets, 2.21% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Bank of Columbia reported 2.21% on return on assets in Q2 2026, 0.96 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.31% |
| Equity capital to assets | 8.82% |
| Tangible equity to tangible assets | 8.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 1.52% |
| Allowance for credit losses to loans | 1.58% |
| Reserve coverage of non-performing loans | 829.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.21% |
| Return on equity | 25.78% |
| Net interest margin | 4.67% |
| Efficiency ratio | 54.08% |
| Yield on earning assets | 6.37% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.95% |
| Core deposits to total deposits | 85.44% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.53% |
| Securities to assets | 11.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.40% | 2.00% | 4.31% | 0.01% | -0.01% |
| Q4 2023 | 9.56% | 1.66% | 4.27% | 0.48% | 0.23% |
| Q1 2024 | 9.55% | 2.02% | 4.23% | 0.17% | 0.03% |
| Q2 2024 | 9.24% | 2.01% | 4.25% | 0.16% | 0.08% |
| Q3 2024 | 9.33% | 2.47% | 4.45% | 0.12% | -0.01% |
| Q4 2024 | 9.09% | 2.16% | 4.59% | 0.13% | 0.06% |
| Q1 2025 | 9.62% | 2.47% | 4.52% | 0.11% | 0.07% |
| Q2 2025 | 9.40% | 2.70% | 4.73% | 0.18% | 0.02% |
| Q3 2025 | 9.45% | 2.27% | 4.77% | 0.17% | 0.01% |
| Q4 2025 | 9.20% | 2.28% | 4.62% | 0.39% | 0.02% |
| Q1 2026 | 9.32% | 2.30% | 4.48% | 0.17% | 0.02% |
| Q2 2026 | 9.31% | 2.21% | 4.67% | 0.19% | 0.03% |
Bank of Columbia vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Columbia, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Columbia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8775) · FFIEC NIC profile (RSSD 839246)