Columbus Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Columbus Bank and Trust Company is an FDIC-insured commercial bank headquartered in Columbus, NE, established in 1934 (FDIC certificate 15010), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $274.6M, up 4.2% from Q2 2025, the 65th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.47% 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
- 15010
- Headquarters
- Columbus, NE
- Established
- 1934
- Total assets, Q2 2026
- $274.6M
- Assets vs Q2 2025
- +4.2%
- Tier 1 leverage ratio, Q2 2026
- 9.47%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104913284
- Latest call report
- Q2 2026, FFIEC 051 · Columbus Bank and Trust Company call report
- Holding company
- COLBANK BANCORP
- Asset rank in state
- 65th of 138 in Nebraska
Columbus Bank and Trust Company pays more for its money than most banks of its size. Its balance sheet stood at $275 million at June 30, 2026, up 4.2% from a year earlier; it is based in Columbus, Nebraska. It pays an average of 2.54% on its deposits and borrowings, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also funds 9.47% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 16% from a year earlier, to $1.1 million. Over the same year, loans grew 3.9% and deposits grew 0.3%.
As of June 30, 2026, Columbus Bank and Trust Company reported a return on assets of 1.54%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.55%. The figures come from its call report filed with the FFIEC.
Columbus Bank and Trust Company ranks as the 65th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.6% to $274.6M, loans fell 0.8% and deposits fell 0.9%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 23.1% of total loans, followed by agricultural production loans at 20.7%. Its 2 offices in the FDIC Summary of Deposits are in Columbus, NE. On its Q2 2026 call report, Columbus Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2501 13th St, Columbus, NE 68601
- County
- Platte
- Metro Area
- Columbus, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 26, 1934
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $218.8M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- -$15K
- Average total assets
- $275.0M
- Average total loans
- $223.0M
- Average interest-bearing deposits
- $183.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 2, 1935
- FDIC Cert
- 15010
- Fed RSSD
- 241559
- Website
- https://www.colbank.com →
- Parent Holding Company
- COLBANK BANCORP (RSSD 4499983)
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, Columbus Bank and Trust Company 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, Columbus Bank and Trust Company's total assets ranged from $211.5M (Q3 2023) to $278.5M (Q4 2025), 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
$274.6M total assets against $263.5M; $246.8M total liabilities against $238.6M.
$220.5M net loans and leases against $212.5M; $218.8M total deposits against $218.2M.
$39.0M securities against $37.9M; $5.6M cash and balances due against $3.6M.
$4.0M total interest income against $3.8M; $1.5M total interest expense against $1.5M.
$2.5M net interest income against $2.3M.
$79K total noninterest income against $87K; $1.4M total noninterest expense against $1.4M.
$90K provision for credit losses against $90K.
$1.1M net income against $914K.
1.54% return on assets against 1.40%; 3.70% net interest margin against 3.62%.
9.47% tier 1 leverage ratio against 8.94%.
Inside the full Columbus Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Columbus Bank and Trust Company rankings
Its closest position to the top of a national ranking is 1,210 of 3,606, for efficiency ratio; its furthest is 2,925 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.12% (Q4 2024) to 1.79% (Q1 2026) and its net interest margin ran from 3.43% (Q1 2025) to 3.76% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.47% | 1.54% | 0.07% | 0.55% | 3.70% |
| Q1 2026 | 9.17% | 1.79% | 0.07% | 0.57% | 3.66% |
| Q4 2025 | 9.24% | 1.52% | 0.00% | 2.02% | 3.76% |
| Q3 2025 | 8.99% | 1.70% | 0.04% | 2.46% | 3.71% |
| Q2 2025 | 8.94% | 1.40% | 0.09% | 3.02% | 3.62% |
| Q1 2025 | 8.64% | 1.21% | 0.11% | 3.27% | 3.43% |
| Q4 2024 | 9.20% | 1.12% | 0.02% | 2.53% | 3.46% |
| Q3 2024 | 9.06% | 1.35% | 0.03% | 2.70% | 3.58% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Columbus Bank and Trust Company (main office) | Columbus , NE | 68601 | $215.5M |
| Highway 30 East Branch | Columbus , NE | 68601 | $3.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 74 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $346K approved, $86K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (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 Columbus Bank and Trust Company
What are Columbus Bank and Trust Company's total assets?
As of the Q2 2026 filing, Columbus Bank and Trust Company reported total assets of $274.6 million in its FFIEC call report.
Where is Columbus Bank and Trust Company headquartered?
It is headquartered in Columbus, NE, United States.
When was Columbus Bank and Trust Company founded?
It was established in 1934, per the FDIC institution directory.
Is Columbus Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15010). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Columbus Bank and Trust Company?
Columbus Bank and Trust Company's primary federal regulator is the FDIC.
How many branches does Columbus Bank and Trust Company operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Columbus Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 0.55% 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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