# COLUMBIA BANK
LAKE CITY, FL · FDIC certificate 5677 · asset band <$300M · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $208.5M | |
| Deposits | $182.3M | |
| Loans and leases | $165.2M | |
| Total equity | $22.6M | |
| Loans / deposits | 89.16% (p77 of band) | 75.62% |
| Liquid assets / assets | 16.71% (p14 of band) | |
| Uninsured deposits / deposits | 24.71% (p79 of band) | 16.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.44% (p53 of band) | |
| FHLB advances / assets | 1.44% | |
| Tier 1 leverage | 11.08% (p44 of band) | 11.43% |
| Unrealized securities loss / equity | -3.07% (p7 of band) | 0.53% |
| AOCI / equity | -4.92% (p6 of band) | |
| ROA (annualized) | 0.37% (p18 of band) | 0.92% |
| Net interest margin | 3.74% (p55 of band) | 3.67% |
| Efficiency ratio | 89.94% (p86 of band) | |
| Noncurrent loans | 1.07% (p66 of band) | 0.57% |
| Net charge-offs (annualized) | -0.06% (p6 of band) | |
| Reserve coverage of noncurrent | 151.08% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 75.36% (p90 of band) | |
| Auto loans | $244,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.1% | |
| Employees | 51 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 7 | capital falling, expense ratio p90 |  |
| 2011-12 | 6 |  | capital falling |
| 2012-03 | 7 | deposits shrinking, assets shrinking | expense ratio p90 |
| 2012-06 | 8 | expense ratio p90 |  |
| 2012-09 | 8 |  |  |
| 2012-12 | 8 |  |  |
| 2013-03 | 8 |  |  |
| 2013-06 | 7 |  | deposits shrinking |
| 2013-09 | 6 |  | assets shrinking |
| 2013-12 | 6 | assets shrinking | construction >100% equity |
| 2014-03 | 4 |  | expense ratio p90, assets shrinking |
| 2014-06 | 6 | expense ratio p90, deposits shrinking |  |
| 2014-09 | 5 |  | deposits shrinking |
| 2014-12 | 6 | capital falling |  |
| 2015-03 | 0 |  | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent, expense ratio p90, capital falling |
| 2015-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2015-09 | 3 | charge-offs p90, assets shrinking | noncurrent p90 |
| 2015-12 | 1 |  | charge-offs p90, assets shrinking |
| 2016-03 | 3 | expense ratio p90, charge-offs p90 |  |
| 2016-06 | 3 | capital falling | charge-offs p90 |
| 2016-09 | 3 | losing money | capital falling |
| 2016-12 | 2 |  | reserve under noncurrent |
| 2017-03 | 4 | charge-offs p90, reserve under noncurrent |  |
| 2017-06 | 5 | capital falling |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 2 |  | losing money, charge-offs p90, capital falling |
| 2018-06 | 0 |  | expense ratio p90, reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 3 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2019-03 | 1 |  | deposits shrinking, assets shrinking |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | expense ratio p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-25 [William Philip, who founded Columbia Bank and championed UW Tacoma, dies at 99 - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQS1JxMS0wbGQtRDN2UnNjYndsZ2FjYU1SOTJOc0RLdzBvcU5xaWZnOHpzZGMtYUYyRmtEQi1VQmtkSGdUUXpiQTJnRGd6TVZKMU4xc1B3MTZTRmZPaVFLM0EtRWE3YnRzblFxWEtWd2pRRXAtRHZ0YVk1a0VDMWVoRlVUTnhqYU9PNm5sR29DZG5DSDBnaWxaTTMzN2ctV1NBWVE?oc=5) · The Business Journals
- 2026-04-22 [Business: Columbia Bank receives Best Bank 2026 honors - newportnewstimes.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQTDg1Q0hxQ05YYzQ0X2NObHNOVWhwUGc0Y0F2aS03a0lxTHFtYjFBLVdmMk0wVVNDbEZhOFJlMnhhVFBHWGRPT1Z2dVVGQkV4R2E3MC1rdUtCZDB2Qm50SXZBU1ZrWFdGUnUtS1Z0VWNaMHFPaGNkdXVnazRPSTFib1VCRUN0OHhrSF8wWjZDWjFvTUxxR2YzYjJlU096QXFxQUpVaDVlbTVad0ZCQXlSazRHQmVNRnMtdmZSbHhWdTRrUHhOVWNkRnQ4cmV3eW9FbS10SEN2QnZTMzNUUVE?oc=5) · newportnewstimes.com
- 2026-02-02 [Columbia, Northfield to merge in $597M NJ bank deal - NJBIZ](https://news.google.com/rss/articles/CBMiakFVX3lxTE1WRktOSFBHMFd3QnVNc0RQQmV3YUoxbXcxMGdVR1kwSnA1ejN3S0hQRmlrNUVER1lSRXVxdFdjNFpCWjlHaTVxWkZMaHNEZkh5UGFRODJ3MWZSQ04xYkUyT3c1Wk5tUXJTTVE?oc=5) · NJBIZ
- 2026-03-05 [These are the most popular banks in each state in 2026 - Bankrate](https://news.google.com/rss/articles/CBMic0FVX3lxTFBjWWVmY0k0WVJqbjV4VnhRV2NCOWpmaEVLSC1pbTJwcEZtOVlqQTFickJOYzBZWVRmNTlLdENIdEk4N1Q2MmJyczRHYnlKdng0Wk9uZ3JJc2pIT1FxM0lacGpVSzZIZ1RXTWkya3R1Qk1Oc2c?oc=5) · Bankrate
- 2025-10-28 ['We're trying to shame them': Upstart activist investors target America's underperforming banks - CNBC](https://news.google.com/rss/articles/CBMiogFBVV95cUxNZmNjaEZweFloME8yQzlLNkUtdGJKcGx6RHBrNFgzY0NBVlFCWjJ5b0g4RE9HblJwd2V1SkREVGFpSU1kOGJPTzNGcjAwc3Rxdm1ROVdZWUxVVmNKa2NJdE9nTEZVQkhKYkp1WUg5Z0psNXIzdVRHaDV2aG5DOFlFR0RVSWpaS3RoTUNEZ1pYMDlVSmp5MnFJN09uQ3prTktWVnfSAacBQVVfeXFMT1l3TS1GS196dUUzb1pxdmJpeU9tTlBrQ083YXdsNkxZTjZSci1PZUhRNlhCWWMzbkM1VEJpY3daQ1FEMUhGRFNnOWpsQm1kX1Z2T0N1bHpVZlctVHVXZlR6V1VuUFBaQUhGeF9SaXdSSG54U1RWaHpiYXRiZG9YMkw4TWlTeGM0TUFnTE9iWl9SZTA5OFR2S3puRjJQem9VaU5kaUVJcVE?oc=5) · CNBC
- 2025-12-15 [Columbia Bank Lends $26M for SoCal Housing Development - Commercial Observer](https://news.google.com/rss/articles/CBMifEFVX3lxTE5RbmFXZEV4YVJKeXJxLVl2SWlwOU9EeFVTQXlpN0xvR3pRY0JuWlZiV0x2OXl6ZEFHSGVJNHRkN3pFdmgxOVd5cjVaMjNrTmczdGI5T1RiaU9yb1FoY1BvM2RyZXduVUdObWtjODgyeEwwSldFTjJaZWhNOVM?oc=5) · Commercial Observer
- 2025-04-24 [Columbia to expand in SoCal with $2B acquisition of Pacific Premier - Banking Dive](https://news.google.com/rss/articles/CBMirwFBVV95cUxNS2s2eDY4S1lsX1V4Rzc0bUtQalZxeXEwWGM1alFQeGhlOXJWVTBqWmtWZXByRmxubkRyUzFSYUhlVkR5RGtjNWl5T3lhZnFXbDN6NVlTRW1LbFdQV3RBYWprR2pQMnVja0ZvY1VNOTBWdVRHYmVXaGJtY2c5SVk3TVNJWkMwNDg3NUdoSFFGS200WTdROEI0VDFEek1jRTBxSU9xRzV4ZlI2UjZYX19Z?oc=5) · Banking Dive
- 2025-08-06 [Sayonara, Umpqua: Umpqua Bank changes name to Columbia Bank this fall. - nrtoday.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOb1NxQjlOUjVYckcyTU11UGkxZ3R6SFpRYi1XcS1VOUV3QXpJS3RCVTRYUlR2aU54LUM5SHM2Rk0yaXJTX1Q4UUNNY1hKZkM3TUdpeDZoT0V2UlhQaTVDVHgtSFItb0I4QVVVdHg0NU1QRktrSWtSU1YyVkZJZGtTUTJ5MmRTQmpHRVB0UTFUNWdta2p1UUxsZmt0WVV3NXQtTVBWRDItbnh5YzR0WVJLWjVrMUNRRkpzMXFVbmx1bk9lVTk1N2NWU1VjckNVbklQQ25Qa1pyTWNCaDdUYVhmWGZMV0c?oc=5) · nrtoday.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5677 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "5677", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide