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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Columbia, KY · FDIC certificate #8775
BANK OF COLUMBIA is an FDIC-insured institution based in Columbia, KY (FDIC certificate #8775). In its Q3 2026 Call Report it reported total assets of $230M, total deposits of $206M and net loans of $184M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF COLUMBIA has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $231M in Q2 2026 and were lowest at $230M in Q3 2026.
Total deposits were highest at $209M in Q2 2026 and lowest at $206M in Q3 2026.
Over the whole period total assets fell 0.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $230M | $206M | $184M | 2.26% | 26.20% | 4.69% |
| Q2 2026 | $231M | $209M | $183M | 2.27% | 26.21% | 4.63% |
| Q1 2026 | $230M | $209M | $183M | 2.29% | 26.73% | 4.49% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $15.8M | $15.1M | +$681K | +4.5% |
| Federal funds sold | $225K | $238K | -$13K | -5.5% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $26.6M | $26.4M | +$240K | +0.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $183.2M | $182.8M | +$396K | +0.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.3M | $2.1M | +$259K | +12.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $3.0M | $3.3M | -$242K | -7.4% |
| Total assets | $231.1M | $229.8M | +$1.3M | +0.6% |
| Liabilities | ||||
| Total deposits | $209.2M | $208.5M | +$678K | +0.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.5M | $1.4M | +$49K | +3.4% |
| Total liabilities | $210.7M | $210.0M | +$727K | +0.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $700K | $700K | $0K | 0.0% |
| Surplus | $2.9M | $2.9M | $0K | 0.0% |
| Retained earnings | $18.3M | $17.8M | +$492K | +2.8% |
| Accumulated other comprehensive income | -$1.4M | -$1.5M | +$102K | +6.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $20.4M | $19.8M | +$594K | +3.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $355K | $1.7M | -$1.3M | -78.7% |
| Adjusted nonperforming assets | $355K | $1.7M | -$1.3M | -78.7% |
| Tangible equity plus allowance | $23.3M | $22.8M | +$582K | +2.6% |
| Texas ratio (gross) | 1.52% | 7.34% | -5.82 pts | See points |
| Texas ratio (adjusted) | 1.52% | 7.34% | -5.82 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.52% | 7.73% | -6.21 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.31% | 9.32% | -0.01 pts | See points |
| Construction and land loans to total capital | 21.41% | 21.60% | -0.19 pts | See points |
| Commercial real estate to total capital | 86.07% | 86.51% | -0.44 pts | See points |
| Dividend payout, year to date | 63.45% | 64.87% | -1.42 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.61% | -7.24% | +0.63 pts | See points |
| Liquidity | ||||
| Core deposits | $178.8M | $179.4M | -$624K | -0.3% |
| Non-core funding | $30.5M | $29.2M | +$1.3M | +4.5% |
| Loans to core deposits | 104.11% | 103.53% | +0.58 pts | See points |
| Loans to deposits | 88.95% | 89.06% | -0.11 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 63.86% | 60.74% | +3.11 pts | See points |
| Loans pledged, share of loans | 17.20% | 16.48% | +0.73 pts | See points |
| Volatile liabilities | $30.5M | $29.2M | +$1.3M | +4.5% |
| Earnings | ||||
| Earnings before provision, year to date | $2.6M | $1.3M | +$1.3M | +98.5% |
| Earnings before provision, single quarter | $1.3M | $1.3M | -$20K | -1.5% |
| Provision for credit losses, year to date | $16K | $8K | +$8K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.97% | 6.80% | +0.18 pts | See points |
| Yield on interest-bearing balances due from banks | 4.18% | 3.81% | +0.37 pts | See points |
| Total interest income to average assets | 6.16% | 6.05% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.80% | 0.81% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.82% | 0.82% | -0.01 pts | See points |
| Cost of time deposits | 3.75% | 3.86% | -0.11 pts | See points |
| Total interest expense to average assets | 1.66% | 1.72% | -0.07 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $230M | $206M | $184M | 2.26% | 26.20% | 4.69% |
| 2026-06-30 | $231M | $209M | $183M | 2.27% | 26.21% | 4.63% |
| 2026-03-31 | $230M | $209M | $183M | 2.29% | 26.73% | 4.49% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $198.1M | 0.16% | 96 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.