| Metric | Bank of Columbia | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.4% | +1.8 pts |
| Deposit growth (YoY) | +5.6% | +4.0% | +1.7 pts |
| Loan growth (YoY) | +4.5% | +5.6% | -1.1 pts |
| ROA | 2.27% | 1.24% | +1.0 pts |
| ROE | 26.2% | 11.9% | +14.3 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $231.1M | $209.2M | $183.2M | $20.4M | $2.6M | 2.27% | 4.63% | 0.15% |
| Q1 2026 | $229.8M | $208.5M | $182.8M | $19.8M | $1.3M | 2.29% | 4.49% | 0.73% |
| Q4 2025 | $230.0M | $202.9M | $185.2M | $19.6M | $5.3M | 2.42% | 4.70% | 0.94% |
| Q3 2025 | $225.8M | $197.8M | $182.8M | $19.4M | $4.0M | 2.47% | 4.72% | 0.75% |
| Q2 2025 | $217.7M | $198.1M | $175.3M | $18.7M | $2.8M | 2.58% | 4.67% | 0.13% |
| Q1 2025 | $213.0M | $194.1M | $169.3M | $18.0M | $1.3M | 2.42% | 4.50% | 0.06% |
| Q4 2024 | $210.5M | $192.6M | $170.3M | $17.1M | $4.4M | 2.16% | 4.44% | 0.11% |
| Q3 2024 | $207.0M | $187.0M | $170.1M | $17.6M | $3.3M | 2.15% | 4.34% | 0.15% |
Loan mix (Q2 2026): real estate $139.5M · commercial $18.3M · consumer $7.5M · securities $26.6M
| Ratio | Bank of Columbia | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.27% | 1.24% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 26.2% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.2% | 62.9% | 23th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Columbia | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Columbia | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Columbia | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Columbia | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.