FDIC Cert #8775 · Columbia, Kentucky · Est. 1866

Bank of Columbia - FDIC Bank Health Profile

A community-scale look at Bank of Columbia's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$230M
Total assets
B
Health grade · Good
2.42%
Return on assets
9.2%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Columbia earns a PlainBankData health grade of B (71/100), with 9.20% Tier 1 capital, profitable at 2.42% ROA, efficient (51% cost ratio).

#2,848
largest of 4,313 FDIC banks by assets
34th
percentile by asset size, nationally
9.20%
Tier 1 ratio - below the 10% well-capitalized line
96th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 8775 · KY B · 71/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (71/100)
  • MID-PACK #2931/4307
  • PHOTO-FINISH ProGrowth Bank · MN
  • TIER1-ADEQ 9.2% Tier 1
  • TEXAS-CLEAN 9.6% Texas
  • ROA-STRONG 2.42% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: ProGrowth Bank, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Columbia

Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Columbia · KY · this…71/100First International… · ND · …71/100ProGrowth Bank · MN · near71/100Sweet Water State Bank · AL …71/100Thread Bank · TN · near71/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Columbia · July 2026

What Bank of Columbia's Call Report plate shows

Bank of Columbia (FDIC Cert #8775) carries a PlainBankData health grade of B at 71/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,931 of 4,307. Tier 1 capital prints at 9.20%, missing the 10% well-capitalized line. The Texas Ratio is 9.60%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.42%. Balance-sheet scale is $230M, 2,848th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is ProGrowth Bank (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Columbia

3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)

Bank of Columbia's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bank of Columbia remains an active FDIC-insured reporter.

  • LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
  • FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
  • IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.

How Bank of Columbia's 71/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10071/100
Bank of Columbia's composite health score
Tier 1 Capital Ratio (9.20%) 18/40
Return on Assets (ROA) (2.42%) 25/25
Texas Ratio (9.60%) 16/20
Efficiency Ratio (50.84%) 12/15

71 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$230M

Total balance-sheet footings

Total Deposits

$203M

Customer-funded liabilities

Net Loans

$185M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.8% 9.2% 10.6%
Basel III capital ratios - Bank of Columbia

Where Bank of Columbia ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Columbia's score of 71/100 falls in the highlighted band.

Bank of Columbia: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

71 32nd percentile higher than 32% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Columbia 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Columbia's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Columbia's $230M falls in the highlighted band.

Safety ratios for Bank of Columbia

Tier 1 capital ratio
Well-capitalized 10%

9.20% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.20%
Texas Ratio
9.60%
Equity Capital
$20M

What these ratios mean →

Earnings posture at Bank of Columbia

Return on Assets (ROA)
96th percentile nationally
2.42%
Return on Equity (ROE)
28.62%
Efficiency Ratio
50.84%

What these mean →

Income & expense at Bank of Columbia

$14M
Interest Income
$1M
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Columbia reports a Texas Ratio of 9.60% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

9.60% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Columbia on FDIC BankFind →

Top banks in Kentucky by total assets

Largest banks headquartered in Kentucky
  1. 1
    Stock Yards Bank & Trust Company $9.5B

    Louisville, KY · Grade A

  2. 2
    Republic Bank & Trust Company $7.0B

    Louisville, KY · Grade A

  3. 3
    Community Trust Bank, Inc. $6.6B

    Pikeville, KY · Grade A

  4. 4
    Central Bank & Trust Co. $3.9B

    Lexington, KY · Grade B

  5. 5
    Independence Bank of Kentucky $3.8B

    Owensboro, KY · Grade B

Top 5 banks in Kentucky ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($230M here), outside Kentucky so the neighborhood is not state containment.

Bank of Weston $230M · MO Bank of Wiggins $230M · MS Security Bank $230M · TN First State Bank $230M · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Columbia (FDIC Cert #8775) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Columbia Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kentucky

All Kentucky banks →
BankAssetsGradeROA
Stock Yards Bank & Trust CompanyLouisville $9.5B A 1.57%
Republic Bank & Trust CompanyLouisville $7.0B A 1.89%
Community Trust Bank, Inc.Pikeville $6.6B A 1.50%
Central Bank & Trust Co.Lexington $3.9B B 1.16%
Independence Bank of KentuckyOwensboro $3.8B B 0.80%
Traditional Bank, Inc.Mount Sterling $2.5B B 0.80%
Heritage Bank, Inc.Burlington $2.1B B 1.08%
South Central Bank, Inc.Glasgow $2.1B A 1.25%