Columbus State Bank


1102 Milam Street
Columbus, TX 78934
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
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 State Bank is an FDIC insured institution located in Columbus, TX. It was founded in 1919 and has approximately $0.13 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 12305
Date Established 1919
Assets $ 126.53 million
Loans $ 4.27 million
Deposits $ 111.45 million
Capital $ 14.70 million

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

Deposit Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Columbus State Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.798% 2.750%
-0.38 points
$1,562 fees
$1,021 Learn More
NMLS ID: 2890
License#: 13256
2.636% 2.625%
0.13 points
$352 fees
$1,005 Learn More

Featured - Connecticut 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
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BMO Harris Bank
BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 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 State Bank
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Financial Details

Columbus State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Columbus State 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 State Bank U.S. Bank Average
0% 5.29%

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 March 31, 2021, Columbus State Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $14,702,000 in equity and $242,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Columbus State Bank U.S. Bank Average
0.22% 11.43%

Columbus State Bank has a Return on Equity of 0.22% versus the BestCashCow average of 11.43%. 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 State Bank U.S. Bank Average
11.62% 11.51%

Columbus State Bank has a Capitalization of 11.62% versus the BestCashCow average of 11.51. 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 State Bank Balance Sheet Analysis

As of March 31, 2021, Columbus State Bank had assets of $126,527,000, loans of $4,270,000, and deposits of $111,451,000. 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

March 31, 2021
Cash & Balances due from depository institutions $ 87.24 million
Interest-bearing balances $ 85.52 million
Total securities $ 34.23 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 4.27 million
Loan loss allowance $ 0.24 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 $ 0.52 million
     Total Assets $ 111.83 million
Total deposits $ 111.45 million
      Interest-bearing deposits $ 72.32 million
      Deposits held in domestic offices $ 111.45 million
      % insured (estimated) 58.23%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.37 million
      Total Liabilities $ 111.83 million
      Shareholders’ Equity $ 14.70 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 0.31 million
Total Interest Expense $ 0.04 million
Net interest income $ 0.27 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.04 million
Total non interest expense $ 0.34 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in Texas, Columbus State Bank has a significantly higher percent of Commercial Real Estate, Farm 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 12.44
Credit Card Loans 0.00
Consumer Auto Loans 1.08
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 44.54
Commercial and Industrial Loans 5.69
Farm Loans 33.65

Frequently Asked Questions About Columbus State Bank

Branches and Savings

Is Columbus State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #12305.

Why does Columbus State 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 State Bank CD rates not competitive?

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

Is Columbus State Bank a commercial bank?


Where are Columbus State Bank locations?

See branch locations nearby.

Is Columbus State Bank open on Saturdays?

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Do Columbus State Bank branches have notaries?

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Will the Columbus State Bank branch print checks?

Do Columbus State Bank checks expire?

Does Columbus State Bank require US citizenship to open account?

Can Columbus State Bank close my account?

Does Columbus State Bank Report to credit bureaus?

Does Columbus State Bank Use Equifax?

What is Columbus State Bank's ACH Routing Number?

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Does Columbus State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Columbus State Bank offer personal loans?

Compare personal loan rates here.

Does Columbus State Bank offer student loans?

Will Columbus State Bank cash a check?

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Does Columbus State Bank cash savings bonds?

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Background on The Bank

Who owns Columbus State Bank?

How long has Columbus State Bank been around?

Can Columbus State Bank transfer to other banks?

Does Columbus State Bank have quick pay?

Does Columbus State Bank accept rolled coins?

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