| Metric | Columbus State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +4.4% | +6.5 pts |
| Deposit growth (YoY) | +12.0% | +4.0% | +8.1 pts |
| Loan growth (YoY) | +20.4% | +5.6% | +14.8 pts |
| ROA | 0.93% | 1.24% | -0.3 pts |
| ROE | 7.1% | 11.9% | -4.8 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $326.5M | $281.0M | $21.9M | $44.6M | $1.5M | 0.93% | 2.28% | 0.00% |
| Q1 2026 | $337.9M | $293.2M | $20.2M | $43.6M | $670K | 0.80% | 2.13% | 0.00% |
| Q4 2025 | $333.2M | $289.3M | $19.5M | $43.1M | $2.7M | 0.90% | 2.45% | 0.00% |
| Q3 2025 | $301.6M | $255.5M | $20.3M | $45.1M | $2.1M | 0.92% | 2.48% | 0.00% |
| Q2 2025 | $294.5M | $250.9M | $18.1M | $42.6M | $1.4M | 0.97% | 2.52% | 0.00% |
| Q1 2025 | $293.3M | $250.7M | $16.8M | $41.1M | $677K | 0.92% | 2.57% | 0.00% |
| Q4 2024 | $143.3M | $128.7M | $4.7M | $14.2M | $2.0M | 1.31% | 3.07% | 0.00% |
| Q3 2024 | $162.1M | $147.2M | $5.1M | $14.3M | $1.7M | 1.48% | 3.13% | 0.00% |
Loan mix (Q2 2026): real estate $12.9M · commercial $2.8M · consumer $2.4M · securities $197.6M
| Ratio | Columbus State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 1.24% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 11.9% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.1% | 62.9% | 14th |
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 | Columbus State Bank | 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 | Columbus State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Columbus State Bank | 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 | Columbus State Bank | 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 | Columbus State Bank | 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.
Technology spend up 199% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
3 branches in 1 county across 1 state (+0 vs 2025) · $281.0M branch deposits. Biggest market: Colorado, TX, ranked 1st with 35.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Colorado, TX | 3 | $281.0M | 35.83% | 1st |
Texas: 338th with 0.02% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 3 · 2026 3