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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Columbus, NE · FDIC certificate #15010
COLUMBUS BANK&TRUST CO is an FDIC-insured institution based in Columbus, NE (FDIC certificate #15010). In its Q3 2026 Call Report it reported total assets of $286M, total deposits of $223M and net loans of $232M. Its primary federal regulator is FDIC.
Plain-language readout
COLUMBUS BANK&TRUST CO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $286M in Q3 2026 and were lowest at $275M in Q2 2026.
Total deposits were highest at $223M in Q3 2026 and lowest at $219M in Q2 2026.
Over the whole period total assets rose 3.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $286M | $223M | $232M | 1.69% | 17.15% | 3.79% |
| Q2 2026 | $275M | $219M | $220M | 1.66% | 16.80% | 3.74% |
| Q1 2026 | $276M | $221M | $222M | 1.79% | 18.26% | 3.73% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.6M | $4.3M | +$1.2M | +27.7% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $39.0M | $39.6M | -$610K | -1.5% |
| 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) | $220.5M | $222.4M | -$1.9M | -0.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.9M | $1.9M | -$9K | -0.5% |
| 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) | $2.6M | $2.6M | $0K | 0.0% |
| All other assets | $5.1M | $5.4M | -$271K | -5.0% |
| Total assets | $274.6M | $276.2M | -$1.6M | -0.6% |
| Liabilities | ||||
| Total deposits | $218.8M | $220.8M | -$2.0M | -0.9% |
| 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 | $27.3M | $27.5M | -$200K | -0.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $768K | $654K | +$114K | +17.4% |
| Total liabilities | $246.8M | $249.0M | -$2.1M | -0.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $12.4M | $12.4M | $0K | 0.0% |
| Retained earnings | $15.0M | $14.4M | +$558K | +3.9% |
| Accumulated other comprehensive income | -$622K | -$635K | +$13K | +2.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $27.8M | $27.2M | +$571K | +2.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $157K | $157K | $0K | 0.0% |
| Adjusted nonperforming assets | $157K | $157K | $0K | 0.0% |
| Tangible equity plus allowance | $28.3M | $27.7M | +$671K | +2.4% |
| Texas ratio (gross) | 0.55% | 0.57% | -0.01 pts | See points |
| Texas ratio (adjusted) | 0.55% | 0.57% | -0.01 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.92% | 0.96% | -0.04 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) | 9.47% | 9.17% | +0.31 pts | See points |
| Construction and land loans to total capital | 50.90% | 42.18% | +8.72 pts | See points |
| Commercial real estate to total capital | 141.67% | 134.18% | +7.49 pts | See points |
| Dividend payout, year to date | 65.19% | 80.52% | -15.33 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -2.79% | -3.00% | +0.21 pts | See points |
| Liquidity | ||||
| Core deposits | $203.5M | $205.8M | -$2.3M | -1.1% |
| Non-core funding | $42.6M | $42.5M | +$107K | +0.3% |
| Loans to core deposits | 109.90% | 109.51% | +0.39 pts | See points |
| Loans to deposits | 102.22% | 102.07% | +0.14 pts | See points |
| Brokered deposits share of deposits | 1.04% | 0.25% | +0.79 pts | See points |
| Pledged securities share of securities | 45.88% | 42.76% | +3.12 pts | See points |
| Loans pledged, share of loans | 38.55% | 38.01% | +0.54 pts | See points |
| Volatile liabilities | $42.6M | $42.5M | +$107K | +0.3% |
| Earnings | ||||
| Earnings before provision, year to date | $2.5M | $1.3M | +$1.1M | +86.3% |
| Earnings before provision, single quarter | $1.1M | $1.3M | -$183K | -13.7% |
| Provision for credit losses, year to date | $180K | $90K | +$90K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.48% | 6.45% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 3.55% | 3.62% | -0.07 pts | See points |
| Total interest income to average assets | 5.84% | 5.78% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 2.41% | 2.09% | +0.31 pts | See points |
| Cost of savings and money market deposits | 1.89% | 1.83% | +0.06 pts | See points |
| Cost of time deposits | 3.89% | 3.93% | -0.05 pts | See points |
| Total interest expense to average assets | 2.25% | 2.25% | +0.01 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 | $286M | $223M | $232M | 1.69% | 17.15% | 3.79% |
| 2026-06-30 | $275M | $219M | $220M | 1.66% | 16.80% | 3.74% |
| 2026-03-31 | $276M | $221M | $222M | 1.79% | 18.26% | 3.73% |
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 |
|---|---|---|---|---|
| NE | $218.2M | 0.24% | 73 | Continuing · +0.04 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.