# BANK OF COLUMBIA
COLUMBIA, KY · FDIC certificate 8775 · asset band <$300M · latest filing 2026-06 · live

**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 | $231.1M | |
| Deposits | $209.2M | |
| Loans and leases | $186.1M | |
| Total equity | $20.4M | |
| Loans / deposits | 87.55% (p75 of band) | 73.59% |
| Liquid assets / assets | 18.43% (p18 of band) | |
| Uninsured deposits / deposits | 18.09% (p44 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.31% (p15 of band) | 11.76% |
| Unrealized securities loss / equity | -7.07% (p48 of band) | -6.57% |
| AOCI / equity | -0.60% (p40 of band) | |
| ROA (annualized) | 2.27% (p91 of band) | 1.17% |
| Net interest margin | 4.63% (p80 of band) | 3.93% |
| Efficiency ratio | 53.19% (p20 of band) | |
| Noncurrent loans | 0.19% (p40 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p70 of band) | |
| Reserve coverage of noncurrent | 829.01% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 26.01% (p60 of band) | |
| Auto loans | $5.6M (2.99% of loans; DQ 0.97%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.6% | |
| Employees | 34 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 5 | capital falling, losing money, noncurrent p90, charge-offs p90 | uninsured deposits leaving |
| 2012-12 | 3 |  | capital falling, losing money |
| 2013-03 | 4 | losing money |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 3 |  | losing money |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | charge-offs p90 |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 2 | charge-offs p90 | noncurrent p90 |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | charge-offs p90 |  |
| 2017-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 0 |  | uninsured deposits leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 2 | reserve under noncurrent |  |
| 2019-06 | 0 |  | capital falling, reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | loans exceed deposits, capital falling |  |
| 2020-03 | 0 |  | loans exceed deposits, capital falling |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 0 |  | reserve under noncurrent, capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 5 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, deposits shrinking, assets shrinking |
| 2023-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2023-09 | 1 | uninsured deposits leaving |  |
| 2023-12 | 0 |  | uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-06-02 [Forbes feature highlights Bank of Columbia's 160-year history - Columbia Magazine](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBoZGFFVWRFZ1g4VWIwZl9tc25weE5vSTJFVWRhS1dJUkhlbThHS2xYVnh4Yng5S3ZpXy1kX3NFeUVad2wycXd4TXNySDJyT1VQald0b1ZtS1ZEb1I1QlZuLWtrVQ?oc=5) · Columbia Magazine
- 2025-09-29 [James Gang robbery - Kentucky Living](https://news.google.com/rss/articles/CBMia0FVX3lxTFA1NGZTMVhpU1ZTVUdMUVdwa1pVOWVsMkhRVDg5RXhIaDh6QkRQZVpsMnBPczJLcjFfUTlENTE4YzlkQWVYbGhERWM5dXdKVllZSWI1QXU1SGhsd25WSUVtNEY1MU1ad2J4QXA4?oc=5) · Kentucky Living
- 2025-08-22 [Nancy "Ballou" Reeves Obituary (2025) - Columbia, KY - Grissom-Martin Funeral Home, Inc. - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNWlE4aGk4elc2cnA0ekNOMDhkNGFkblZhRV9VQUl6eGgzdnNPOEpuZ3pMc2NTT1FUMkhKdnYzbEJoeGtZYlBRUGQzYTNkcDNnRlNobG1jbC1UZTIxYWN2bkRXTVdaUk43N0NMTkZ5VzhaeHZNY0I2M0U3c181SEpTZw?oc=5) · legacy.com
- 2010-04-29 [R.A.C. Martin, killed in robbery of Bank of Columbia - Columbia Magazine](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBaQ3gzR2JGME9SM3FZRVpMR00xRy1SSHN2ckRhSXpKc3AwR2dnUEVHcm5aQ203bHRIT2daRjJIUTVVWVlhbVBVWDUwaUNZR2pwMzRQa2E3VTBjdVJEUHZmV1BR?oc=5) · Columbia Magazine
- 2016-05-31 [ACHS Graduation 2016: More Awards Night Photos - Columbia Magazine](https://news.google.com/rss/articles/CBMiYEFVX3lxTE8yV1o5SWhsYVYzT0tWYlo4c2w1aE9hQVJ6bzZrZEJwUm9ySFF2U1loV1ZTVGZYT3RCVTBMYVVyTnVKNFpRdnJ6SFBjX013UW1qUUM4bm92MEpReFNsMmdFYw?oc=5) · Columbia Magazine
- 2019-09-26 [Adair County Fairgrounds home location - Columbia Magazine](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9Obi1nXzRTYmF6UEthb0hlREF6Q0lrN2UzQ2oxSURMWVJwUmlxV2NqaWdZZG5xWDhuSkRkR0JaVV9KVF9XaGEzSGhUdld5cXNUTGhCeFJuYmtIQmo4Nmg3YjhMSQ?oc=5) · Columbia Magazine
- 2013-05-02 [Larry Dudley recognized on 35th anniversary at bank - Columbia Magazine](https://news.google.com/rss/articles/CBMicEFVX3lxTFBOcEw2cEduamMtbTV1dWw4aHpjZGlyZmFjY2oyVERYTm8yTy1yVmVxS3NIY0Z3azg4SHhWckEzWjVUWXl6X2tvSVpFb0p4Y0J6Tm9zWW0zMlh4b21SUHhFNENXT1ozTEVpQS15T0UyS0k?oc=5) · Columbia Magazine
- 2024-05-31 [ACHS Class of 2024 earns over 100 scholarships - Columbia Magazine](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9vaFZfSU9wdk1SSkItSTJpd05TUEN0ak9PQ0NvT3k0Z2VhZHZSSkd0c1F4N0JRNTdUSXdfY056VzJXaUp2Y2VwaUptekRWbGZCMktjRzAtU25PbzBiakdFd2g5QQ?oc=5) · Columbia Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8775 (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/7.json (key "8775", 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