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Bank of Columbia

$100M-$1B Specialty: Agricultural KY FDIC cert 8775

Columbia, KY

3 branches across KY

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 88 in KY.
  • Deposits +5.6% year over year ($209.2M on the books).
  • Delinquency rate 0.19%.
  • Return on assets 2.27%.
  • Efficiency ratio 53.19% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.55% 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 88 in KY
View $100M-$1B leaderboard (KY) →

Bank of Columbia has 4 strengths but faces 3 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

  • + Return on Assets 0.94% above tier average
  • + Net Interest Margin 0.64% above tier average
  • + Efficiency Ratio 11.29% below tier average
  • + Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 10.8% in tier
  • - Credit Quality Pressure: Bottom 12.5% in tier
  • - Capital Thin: Bottom 39.6% in tier
Get updates when Bank of Columbia releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $231.1M
+6.1% YoY +0.6% QoQ
-$155.5M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $183.2M
+4.5% YoY +0.2% QoQ
-$75.2M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
44%
Total Deposits ? $209.2M
+5.6% YoY +0.3% QoQ
-$117.5M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 2.27%
-12.2% YoY -0.9% QoQ
+0.94% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
Top 7.6% in tier
Net Interest Margin ? 4.63%
-0.8% YoY +3.1% QoQ
+0.64% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
83%
Efficiency Ratio ? 53.19%
+6.9% YoY +2.4% QoQ
-11.29% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
76%
Delinquency Rate ? 0.19%
+20.5% YoY -78.8% QoQ
-0.72% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
66%
Loan-to-Deposit Ratio ? 87.55%
-1.1% YoY -0.1% QoQ
+9.59% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
32%
Non-Interest-Bearing Deposit Share ? 26.15%
+1.3% YoY +7.7% QoQ
+4.12% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
70%
Nonperforming Asset Ratio ? 0.15%
+18.6% YoY -78.9% QoQ
-0.52% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
65%
Tier 1 Capital Ratio ? 9.31%
-0.9% YoY -0.1% QoQ
-6.60% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Bottom 3.2% in tier
Non-Interest Income / Assets ? 0.21%
-33.1% YoY +78.2% QoQ
-0.35% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
54%

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 (KY) National Avg Tier Percentile
Noninterest-Bearing 26.1%
+0.3pp YoY
+1.9pp QoQ
 +4.0pp 22.1% 23.5% 22.2% 70%
Brokered Deposits n/a n/a 7.9% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 10.0%
-1.0pp YoY
-0.9pp QoQ
 -1.6pp 11.6% 8.6% 12.5% 52%
CRE 19.2%
-0.9pp YoY
+0.2pp QoQ
 -20.3pp 39.5% 37.1% 41.4% 16%
1-4 Family 37.3%
+1.0pp YoY
+0.6pp QoQ
 +4.7pp 32.6% 41.6% 31.3% 66%
Consumer 4.1%
0.0pp YoY
+0.1pp QoQ
 0.0pp 4.1% 4.8% 5.0% 71%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.2% 19.7% n/a
Leverage Ratio 9.3%
-0.1pp YoY
0.0pp QoQ
 -2.9pp 12.2% 14.0% 12.6% 18%
Total Capital Ratio n/a n/a 19.9% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 34
+3 (+9.7%) YoY
+2 (+6.2%) QoQ
 -25 58 105 482 33%
Assets per Employee ($) $6.8M
-3.2% YoY
-5.3% QoQ
 -$721K $7.5M $6.3M $8.8M 48%
Branch Count 3
0 YoY
0 QoQ
 -2 4 8 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 29%
Allowance Coverage 8.29x
-16.8% YoY
+368.5% QoQ
 -15.86x 24.15x 7.45x 20.23x 79%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 54%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 26.2%
-4.6pp YoY
-0.5pp QoQ
 +14.0pp 12.2% 13.3% 11.6% 97%
Cost of Funds (YTD) 1.8%
0.0pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.7% 1.7% 55%
Net Income ($, YTD) $2.6M
-5.4% YoY
— QoQ
 +$55K $2.6M $5.1M $40.4M 64%

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 (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk
#102 of 936 • Bottom 10.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#158 of 1256 • Bottom 12.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.19%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Capital Thin

risk
#263 of 661 • Bottom 39.6% 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: 9.31%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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)

201
Return on Assets
profitability
Value: 2.27%
Peer Median: 1.32%
#201 of 2643 Top 7.6% in $100M-$1B
440
Net Interest Margin
profitability
Value: 4.63%
Peer Median: 3.99%
#440 of 2643 Top 16.6% in $100M-$1B
630
Efficiency Ratio
profitability
Value: 53.19%
Peer Median: 64.48%
#630 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (1 metrics)

2560
Tier 1 Capital Ratio
capital
Value: 9.31%
Peer Median: 15.91%
#2560 of 2643 Bottom 3.2% in $100M-$1B
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