Columbus Community Bank


5604 Whittlesey Blvd
Columbus, GA 31909
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Columbus Community Bank is an FDIC insured institution located in Columbus, GA. It was founded in 2006 and has approximately $0.13 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58299
Date Established 2006
Assets $ 122.15 million
Loans $ 97.93 million
Deposits $ 96.36 million
Capital $ 15.26 million

For a more detailed analysis of Columbus Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 24, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - October 24, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Columbus Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
CashCall Mortgage
NMLS ID: 128231
3.164% 3.125%
0.50 points
$1,250 fees
$1,071 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Columbus Community Bank
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Climate Initiatives

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Financial Details

Columbus Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Columbus Community Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Columbus Community Bank U.S. Bank Average
7.97% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Columbus Community Bank had $1,378,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $15,264,000 in equity and $2,031,000 in loans loss reserves. That gives it a Texas Ratio of 7.97%.

Return on Equity
Columbus Community Bank U.S. Bank Average
8.18% 11.29%

Columbus Community Bank has a Return on Equity of 8.18% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Columbus Community Bank U.S. Bank Average
12.5% 11.72%

Columbus Community Bank has a Capitalization of 12.5% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Columbus Community Bank Balance Sheet Analysis

As of March 31, 2015, Columbus Community Bank had assets of $132,584,000, loans of $97,932,000, and deposits of $96,359,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 97.93 million
Loan loss allowance $ 2.03 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 96.36 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 122.15 million

Summary Income Statement

June 30, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Columbus Community Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Georgia, Columbus Community Bank has a significantly higher percent of Multifamily Mortgages, Small Business Loans, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.45
Credit Card Loans 0.00
Consumer Auto Loans 0.24
Small Business Loans 24.37
Construction and Development Loans 21.03
Commercial Real Estate 42.07
Commercial and Industrial Loans 3.61
Farm Loans 0.00

Frequently Asked Questions About Columbus Community Bank

Branches and Savings

Is Columbus Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58299.

Why does Columbus Community Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Columbus Community Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Columbus Community Bank a commercial bank?


Where are Columbus Community Bank locations?

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Is Columbus Community Bank open on Saturdays?

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Will Columbus Community Bank notarize my document?

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Will the Columbus Community Bank branch print checks?

Do Columbus Community Bank checks expire?

Does Columbus Community Bank require US citizenship to open account?

Can Columbus Community Bank close my account?

Does Columbus Community Bank Report to credit bureaus?

Does Columbus Community Bank Use Equifax?

What is Columbus Community Bank's ACH Routing Number?

What is Columbus Community Bank's SWIFT code?


Does Columbus Community Bank offer mortgages?

Compare mortgage rates here.

Does Columbus Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Columbus Community Bank offer personal loans?

Compare personal loan rates here.

Does Columbus Community Bank offer student loans?

Will Columbus Community Bank cash a check?

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Does Columbus Community Bank cash savings bonds?

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Background on The Bank

Who owns Columbus Community Bank?

How long has Columbus Community Bank been around?

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Does Columbus Community Bank have quick pay?

Does Columbus Community Bank accept rolled coins?

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