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Bank Of Columbia
Columbia, KY · FDIC Certificate #8775 · Chartered 01/0
Total assets
$231.10M
Total deposits
$209.22M
Total equity
$20.39M
Net loans
$183.16M
Branches (offices)
3
Net income (YTD)
$2.61M
Rank: #2,807 of 4,213 U.S. banks by assets · #74 of 120 in Kentucky. Assets changed 6.1% and deposits 5.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.27% |
| Return on equity | 26.21% |
| Net interest margin (YTD) | 4.63% |
| Equity to assets | 8.82% |
| Tier 1 leverage ratio | 9.31% |
| Uninsured deposits (share of deposits) | 18.1% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 87.5% |
| Real estate loans (share of loans) | 76.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $139.54M | 76.2% | |
| Commercial & industrial | $18.26M | 10.0% | |
| Consumer / individual | $7.48M | 4.1% | |
| Construction & development | $5.30M | 2.9% | |
| Agricultural | $20.68M | 11.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $176.77M | $161.69M | $1.70M | $14.79M |
| Jun 2023 | $187.42M | $171.78M | $1.91M | $14.96M |
| Jun 2024 | $202.65M | $185.39M | $1.99M | $16.32M |
| Jun 2025 | $217.72M | $198.08M | $2.76M | $18.66M |
| Jun 2026 | $231.10M | $209.22M | $2.61M | $20.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $209.22M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $209.22M.
Similar-sized banks
The Citizens State Bank Of Ouray ($231.19M) · The First National Bank Of Anderson ($230.38M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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