Bank of Columbia
Columbia, Kentucky · FDIC Cert #8775
This is the FDIC profile for Bank of Columbia, an FDIC-insured bank (Certificate #8775) with $203M in total assets and $185M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Columbia, Kentucky, the bank maintains a Tier 1 capital ratio of 9.24% (Well-Capitalized) and a nonperforming loan ratio of 0.12%. BankHealthData assigns a composite Health Grade of B (69/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Columbia (FDIC cert 8775) is a community bank — $203M in total assets, $185M in deposits, serving the Columbia, Kentucky area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 9.24% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.12% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 15.6% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.99% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Bank of Columbia carries a composite BankHealth grade of B (69/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Columbia
- Total Assets
- $203M
- Total Deposits
- $185M
- Tier 1 Capital Ratio
- 9.24%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.12%
- Liquidity Ratio
- 15.61%
- Return on Assets
- 1.99%
- Headquarters
- Columbia, Kentucky
- FDIC Certificate
- #8775
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Bank of Columbia files quarterly Call Reports with the FDIC under Certificate #8775. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Bank of Columbia holds a Tier 1 capital ratio of 9.24%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Columbia has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Columbia shows strong financial health indicators. With $203M in assets and a Health Score of 69/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Columbia Compares
Bank of Columbia’s Health Score of 69 is 12 points below the Kentucky state average of 81 across 103 FDIC-insured banks. Its 9.24% Tier 1 capital ratio is 4.8 points below the US banking industry average near 14%. The 0.12% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.99% is in line with or above the national ROA benchmark of ~1.1%. Among 1523 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, Bank of Columbia is 11 points below the portfolio average of 80.
Frequently Asked Questions
Bank of Columbia has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 9.24%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Columbia's Tier 1 capital ratio of 9.24% and nonperforming loan ratio of 0.12% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Columbia is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8775). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Columbia holds $203M in total assets and $185M in total deposits. It is headquartered in Columbia, Kentucky (FDIC Certificate #8775).
Bank of Columbia's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #8775 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Bank of Columbia has a Tier 1 capital ratio of 9.24%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.12%, and the return on assets is 1.99%.
Yes. Bank of Columbia is FDIC-insured (Certificate #8775). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Columbia's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.