TellerScore

Bank of Columbia is a state-chartered bank headquartered in Columbia, Kentucky, in business for about 160 years. At the end of Q2 2026 it reported $231.1M in total assets and $209.2M in deposits, with 3 offices.

Bank of Columbia has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 41st. Earnings contributes the most (100/100, 2.27%); capital cushion contributes the least (43/100, 9.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.31%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.19%
Earnings100/100
Return on assets (annualized): 2.27%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 87.5% · 18.1% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.52%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 76).

TellerScore
667379Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202476
Q4 202477
Q1 202579
Q2 202577
Q3 202570
Q4 202566
Q1 202670
Q2 202676
Tier 1 leverage ratio
5.00%7.31%9.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.24%
Q3 20249.33%
Q4 20249.09%
Q1 20259.62%
Q2 20259.40%
Q3 20259.45%
Q4 20259.20%
Q1 20269.32%
Q2 20269.31%
Noncurrent loans
0.08%0.61%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.12%
Q3 20240.18%
Q4 20240.14%
Q1 20250.08%
Q2 20250.16%
Q3 20250.91%
Q4 20251.15%
Q1 20260.90%
Q2 20260.19%
Return on assets
1.99%2.29%2.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.99%
Q3 20242.15%
Q4 20242.16%
Q1 20252.42%
Q2 20252.58%
Q3 20252.47%
Q4 20252.42%
Q1 20262.29%
Q2 20262.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$231.1M9.31%0.19%2.27%87.5%
Q1 202670$229.8M9.32%0.90%2.29%87.6%
Q4 202566$230.0M9.20%1.15%2.42%91.3%
Q3 202570$225.8M9.45%0.91%2.47%92.4%
Q2 202577$217.7M9.40%0.16%2.58%88.5%
Q1 202579$213.0M9.62%0.08%2.42%87.2%
Q4 202477$210.5M9.09%0.14%2.16%88.4%
Q3 202476$207.0M9.33%0.18%2.15%91.0%
Q2 202477$202.7M9.24%0.12%1.99%89.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.31%
18th
Total risk-based capital0.00%
24th
Problem loans0.19%
66th
Net charge-offs0.02%
38th
Return on assets2.27%
92nd
Net interest margin4.63%
83rd
Efficiency ratio53.2%
76th
Loans to deposits87.5%
32nd
Uninsured deposits18.1%
71st
Loan-loss reserves1.58%
83rd
Texas ratio1.5%
63rd

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of ManchesterBank Manchester, KY55 out of 100, Moderate$230.1M9.9%1.62%vs
The Citizens BankBank Morehead, KY76 out of 100, Strong$228.6M8.7%0.06%vs
The Citizens BankBank Hickman, KY82 out of 100, Strong$220.4M12.7%0.34%vs
The Commercial Bank of GraysonBank Grayson, KY49 out of 100, Below average$242.0M11.0%3.03%vs
United Citizens Bank & Trust CompanyBank Campbellsburg, KY56 out of 100, Moderate$219.3M10.0%1.78%vs
Taylor County BankBank Campbellsville, KY77 out of 100, Strong$243.8M12.9%0.97%vs

Deposit insurance

Is my money safe at Bank of Columbia?

Yes. Bank of Columbia is an FDIC-insured institution (FDIC certificate #8775). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.1% of deposits ($37.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.31%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Bank of Columbia lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bank of Columbia
Type
State-chartered bank
FDIC certificate #
8775
RSSD ID
839246
Primary regulator
FDIC
Holding company
Columbia Bancshares Inc
Established
January 1, 1866
Headquarters
144 Public Sq, Columbia, KY 42728
Employees
34

Quick answers

Bank of Columbia: common questions

Is Bank of Columbia FDIC insured?

Yes. Bank of Columbia is an FDIC-insured institution (FDIC certificate #8775). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Columbia's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Columbia ever failed?

There is no failure record for FDIC certificate #8775 in the FDIC failed bank list.

How many branches does Bank of Columbia have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Columbia

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of JamestownBank Jamestown, KY84 out of 100, Strong$263.8M13.0%0.02%vs
Edmonton State BankBank Glasgow, KY82 out of 100, Strong$1.2B11.5%0.32%vs
United Citizens Bank of Southern KentuckyBank Columbia, KY81 out of 100, Strong$286.2M12.1%0.43%vs
Abound Federal Credit UnionCredit union Radcliff, KY81 out of 100, Strong$2.8B15.8%0.81%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Citizens Bank & Trust CompanyBank Campbellsville, KY79 out of 100, Strong$383.4M13.1%0.57%vs