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Columbus Bank and Trust Company

$100M-$1B Specialty: Agricultural NE FDIC cert 15010

Columbus, NE

2 branches across NE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
  • Deposits +0.3% year over year ($218.8M on the books).
  • Delinquency rate 0.07%.
  • Return on assets 1.66%.
  • Efficiency ratio 52.43% vs a 64.48% peer average.
  • Loan-to-deposit ratio 100.78% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE
View $100M-$1B leaderboard (NE) →

Columbus Bank and Trust Company has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 12.9% in tier
  • + ROA 0.34% above tier average
  • + Efficiency Ratio 12.04% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 26.2% in tier
  • - NIB Deposit Bleed: Bottom 39.5% in tier
  • - Liquidity Strain: Bottom 46.6% in tier
  • - Net Interest Margin 0.24% below tier average
Get updates when Columbus Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $274.6M
+4.2% YoY -0.6% QoQ
-$111.9M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
41%
Total Loans ? $220.5M
+3.8% YoY -0.8% QoQ
-$37.9M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $218.8M
+0.3% YoY -0.9% QoQ
-$108.0M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
39%
Return on Assets ? 1.66%
+27.5% YoY -7.1% QoQ
+0.34% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
74%
Net Interest Margin ? 3.74%
+4.5% YoY +0.4% QoQ
-0.24% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
39%
Efficiency Ratio ? 52.43%
-10.4% YoY +4.6% QoQ
-12.04% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
78%
Delinquency Rate ? 0.07%
-23.6% YoY +0.8% QoQ
-0.85% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
77%
Loan-to-Deposit Ratio ? 100.78%
+3.5% YoY +0.1% QoQ
+22.83% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
Bottom 9.2% in tier
Non-Interest-Bearing Deposit Share ? 17.83%
-17.3% YoY +7.2% QoQ
-4.20% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
36%
Nonperforming Asset Ratio ? 0.06%
-80.0% YoY +0.6% QoQ
-0.61% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
78%
Tier 1 Capital Ratio ? 9.47%
+6.0% YoY +3.4% QoQ
-6.43% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 4.6% in tier
Non-Interest Income / Assets ? 0.11%
+69.2% YoY +36.8% QoQ
-0.46% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
21%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Noninterest-Bearing 17.8%
-3.7pp YoY
+1.2pp QoQ
 -4.3pp 22.1% 17.6% 22.2% 35%
Brokered Deposits 1.0%
-2.2pp YoY
+0.8pp QoQ
 -6.8pp 7.9% 8.9% 8.5% 19%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 11.4%
-0.7pp YoY
-0.5pp QoQ
 -0.1pp 11.6% 12.3% 12.5% 61%
CRE 28.1%
-2.0pp YoY
+1.2pp QoQ
 -11.5pp 39.5% 32.3% 41.4% 31%
1-4 Family 15.7%
+1.8pp YoY
+0.7pp QoQ
 -16.9pp 32.6% 16.9% 31.3% 21%
Consumer 1.0%
0.0pp YoY
0.0pp QoQ
 -3.1pp 4.1% 3.1% 5.0% 28%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.1% 19.7% n/a
Leverage Ratio 9.5%
+0.5pp YoY
+0.3pp QoQ
 -2.7pp 12.2% 12.1% 12.6% 21%
Total Capital Ratio n/a n/a 19.9% 17.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 27
0 YoY
-1 (-3.6%) QoQ
 -32 58 98 482 22%
Assets per Employee ($) $10.2M
+4.2% YoY
+3.1% QoQ
 +$2.7M $7.5M $8.5M $8.8M 86%
Branch Count 2
0 YoY
0 QoQ
 -3 4 7 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 15%
Allowance Coverage 20.03x
+47.9% YoY
+3.3% QoQ
 -4.13x 24.15x 31.69x 20.23x 88%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 13%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 16.8%
+2.8pp YoY
-1.5pp QoQ
 +4.6pp 12.2% 12.3% 11.6% 76%
Cost of Funds (YTD) 2.4%
-0.1pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.9% 1.7% 86%
Net Income ($, YTD) $2.3M
+35.8% YoY
— QoQ
 -$254K $2.6M $6.1M $40.4M 58%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#86 of 659 • Top 12.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.07%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Capital Thin

risk
#174 of 661 • Bottom 26.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.47%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

NIB Deposit Bleed

decline
#65 of 162 • Bottom 39.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 17.83%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#323 of 691 • Bottom 46.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 100.78%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

576
Efficiency Ratio
profitability
Value: 52.43%
Peer Median: 64.48%
#576 of 2643 Top 21.8% in $100M-$1B
593
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.67%
#593 of 2643 Top 22.4% in $100M-$1B
609
Delinquency Rate
credit_quality
Value: 0.07%
Peer Median: 0.92%
#609 of 2633 Top 23.1% in $100M-$1B

Top Weaknesses (3 metrics)

2522
Tier 1 Capital Ratio
capital
Value: 9.47%
Peer Median: 15.91%
#2522 of 2643 Bottom 4.6% in $100M-$1B
2402
Loan-to-Deposit Ratio
liquidity
Value: 100.78%
Peer Median: 77.95%
#2402 of 2643 Bottom 9.2% in $100M-$1B
2080
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2080 of 2643 Bottom 21.3% in $100M-$1B
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