BlastPoint's Banking Scorecard
Bank of Columbia
Micro
Specialty: Agricultural
KY
FDIC cert 8775
Designations: ✓ Community bank
Columbia, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Bank of Columbia shows strong momentum with 1 strength and 9.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.34% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$230.0M
+9.3% YoY
+1.9% QoQ
|
+$12.5M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$185.2M
+8.8% YoY
+1.3% QoQ
|
+$46.0M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$202.9M
+5.4% YoY
+2.6% QoQ
|
+$19.3M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
2.42%
+11.8% YoY
-2.1% QoQ
|
+1.34% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.70%
+5.9% YoY
-0.3% QoQ
|
+0.85% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
85% |
| Efficiency Ratio ? |
50.84%
-2.1% YoY
+0.9% QoQ
|
-16.89% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
1.17%
+738.7% YoY
+26.5% QoQ
|
+0.53% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
91.26%
+3.2% YoY
-1.3% QoQ
|
+16.73% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
24.06%
-4.8% YoY
-4.6% QoQ
|
+1.67% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.94%
+734.7% YoY
+25.7% QoQ
|
+0.49% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.52%
+8.7% YoY
+29.7% QoQ
|
-0.04% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.42%
(Tier avg: 1.08%, National avg: 1.12%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Return on Assets
Current: 2.42% · Tier avg: 1.08%
89
89th pctile
Efficiency Ratio
Current: 50.84% · Tier avg: 67.73%
85
85th pctile
Net Interest Margin
Current: 4.70% · Tier avg: 3.85%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
70
70th pctile
Total Loans
Current: $185.2M · Tier avg: $139.2M
60
60th pctile
Total Deposits
Current: $202.9M · Tier avg: $183.7M
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.06% · Tier avg: 22.39%
58
58th pctile
Total Assets
Current: $230.0M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
25
25th pctile
Delinquency Rate
Current: 1.17% · Tier avg: 0.64%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.94% · Tier avg: 0.45%
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.26% · Tier avg: 74.53%
Top Weaknesses
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.26% · Tier avg: 74.53%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.94% · Tier avg: 0.45%
25
25th pctile
Delinquency Rate
Current: 1.17% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Total Assets
Current: $230.0M · Tier avg: $217.5M
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.06% · Tier avg: 22.39%
60
60th pctile
Total Deposits
Current: $202.9M · Tier avg: $183.7M
70
70th pctile
Total Loans
Current: $185.2M · Tier avg: $139.2M
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
85
85th pctile
Net Interest Margin
Current: 4.70% · Tier avg: 3.85%
89
89th pctile
Efficiency Ratio
Current: 50.84% · Tier avg: 67.73%
96
96th pctile
Return on Assets
Current: 2.42% · Tier avg: 1.08%