Bank of Columbia: how it compares with its peers
Against 59 KY banks with half to twice its assets, Bank of Columbia's strongest measure in Q2 2026 is return on assets (2.27% vs. a 1.45% peer median). Its weakest relative measure is assets per employee ($6.8M vs. $5.9M).
| Measure | Bank of Columbia | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.27% | 1.45% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.63% | 4.08% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.19% | 60.17% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $5.9M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.55% | 80.89% | Context |
What it means for lending operations
Its efficiency ratio of 53.19% is better than the 60.17% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First National Bank of Manchester Manchester, KY · $230M
- The Citizens Bank Morehead, KY · $229M
- The Citizens Bank Hickman, KY · $220M
- The Commercial Bank of Grayson Grayson, KY · $242M
- United Citizens Bank & Trust Company Campbellsburg, KY · $219M
- Taylor County Bank Campbellsville, KY · $244M
Questions about Bank of Columbia
How big is Bank of Columbia?
Bank of Columbia, established in 1866, is headquartered in Columbia, KY. It reported $231M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of Columbia's return on assets?
2.27% annualized in Q2 2026, against a 1.45% median for 59 KY banks with half to twice its assets, ahead of 98% of them.
What is Bank of Columbia's efficiency ratio?
53.19% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 60.17%, and lower is better.
Is Bank of Columbia growing its loans?
Net loans grew 4.5% over the year to Q2 2026, while deposits grew 5.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.