BlastPoint's Banking Scorecard

Bank of Columbia

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

Columbia, KY

3 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

Bank of Columbia shows strong momentum with 3 strengths and 7.9% YoY asset growth

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 1.02% above tier average
+ Net Interest Margin 0.56% above tier average
+ Efficiency Ratio 13.36% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Bank of Columbia releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$229.8M +7.9% YoY -0.1% QoQ	-$156.3M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	33%
Total Loans ?	$182.8M +8.0% YoY -1.3% QoQ	-$72.9M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	45%
Total Deposits ?	$208.5M +7.4% YoY +2.8% QoQ	-$119.4M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	36%
Return on Assets ?	2.29% -5.5% YoY -5.4% QoQ	+1.02%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	Top 7.3% in tier
Net Interest Margin ?	4.49% -0.2% YoY -4.5% QoQ	+0.56%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	51.93% +4.4% YoY +2.1% QoQ	-13.36%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	80%
Delinquency Rate ?	0.91% -21.7% QoQ	+0.03%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	87.64% +0.5% YoY -4.0% QoQ	+11.00%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	29%
Non-Interest-Bearing Deposit Share ?	24.27% -1.0% YoY +0.9% QoQ	+2.25%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	64%
Nonperforming Asset Ratio ?	0.73% -22.7% QoQ	+0.09%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	28%
Tier 1 Capital Ratio ?	9.32% -3.1% YoY +1.4% QoQ	-6.51%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	Bottom 2.6% in tier
Non-Interest Income / Assets ?	0.12% -3.8% YoY -77.2% QoQ	-0.16%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	62%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

196

Return on Assets

profitability

Value: 2.29%

Peer Median: 1.27%

#196 of 2664 Top 7.3% in $100M-$1B

487

Net Interest Margin

profitability

Value: 4.49%

Peer Median: 3.93%

#487 of 2664 Top 18.2% in $100M-$1B

521

Efficiency Ratio

profitability

Value: 51.93%

Peer Median: 65.29%

#521 of 2664 Top 19.5% in $100M-$1B

Top Weaknesses (1 metrics)

2595

Tier 1 Capital Ratio

capital

Value: 9.32%

Peer Median: 15.83%

#2595 of 2664 Bottom 2.6% in $100M-$1B