The Columbia Bank

Headquarters

7185 Columbia Gateway Drive
Columbia, MD 21046
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.40% →
1-Year CD N.A. 1.15% →
2-Year CD N.A. 1.26% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

The Columbia Bank is an FDIC insured institution located in Columbia, MD. It was founded in 1988 and has approximately $2.64 billion in assets. Customers can open an account at one of its 32 branches.

FDIC Insured Yes
FDIC Certificate # 27244
Date Established 1988
Assets $ 2.60 billion
Loans $ 2.07 billion
Deposits $ 1,925.16 million
Capital $ 343.94 million
 

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

Deposit Rates - July 9, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - July 9, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The Columbia 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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.951% 2.875% 1.00 $2,460 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to The Columbia Bank
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Branches

The Columbia Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


The Columbia Bank Locations


Financial Details

The Columbia Bank Ratio Analysis

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

Texas Ratio
The Columbia Bank U.S. Bank Average
7.58% 6.51%

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 December 31, 2019, The Columbia Bank had $27,589,000 in non-current loans and $215,000 in owned real estate. To cover these potential losses it had $343,935,000 in equity and $22,771,000 in loans loss reserves. That gives it a Texas Ratio of 7.58%.

Return on Equity
The Columbia Bank U.S. Bank Average
7.78% 9.41%

The Columbia Bank has a Return on Equity of 7.78% versus the BestCashCow average of 9.41%. 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.

Capitalization
The Columbia Bank U.S. Bank Average
13.22% 12.82%

The Columbia Bank has a Capitalization of 13.22% versus the BestCashCow average of 12.82. 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.

The Columbia Bank Balance Sheet Analysis

As of June 30, 2019, The Columbia Bank had assets of $2,643,875,000, loans of $2,072,403,000, and deposits of $1,925,155,000. 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

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 55.99 million
Interest-bearing balances $ 30.52 million
Total securities $ 266.19 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.07 billion
Loan loss allowance $ 22.77 million
Trading account assets $ 27.01 million
Bank premises and fixed assets N.A.
Other real estate owned $ 0.22 million
Goodwill and other intangibles $ 120.03 million
All other assets $ 70.64 million
     Total Assets $ 2.30 billion
LIABILITIES
Total deposits $ 1,925.16 million
      Interest-bearing deposits $ 1,370.23 million
      Deposits held in domestic offices $ 1,925.16 million
      % insured (estimated) 77.86%
Federal funds purchased and repurchase agreements $ 47.58 million
Trading liabilities $ 27.01 million
Other borrowed funds $ 280.34 million
Subordinated debt N.A.
All other liabilities $ 19.86 million
      Total Liabilities $ 2.30 billion
      Shareholders’ Equity $ 302.37 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 49.96 million
Total Interest Expense $ 9.81 million
Net interest income $ 40.15 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 10.57 million
Total non interest expense $ 31.32 million
Pre-tax Net Operating Income $ 19.37 million

Bank Loan Profile?

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

Compared to other banks, The Columbia Bank’s loan portfolio does not show any specific loan specialty.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 36.28
Multifamily
Mortgages
1.44
Credit Card Loans 0.00
Consumer Auto Loans 0.70
Small Business Loans 5.52
Construction and Development Loans 5.35
Commercial Real Estate 37.20
Commercial and Industrial Loans 10.09
Farm Loans 0.44

Frequently Asked Questions About The Columbia Bank

Branches and Savings

Is The Columbia Bank FDIC insured?

Yes. It is covered under FDIC Certificate #27244.

Why does The Columbia Bank pay such low interest on savings accounts?

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

Why are The Columbia Bank CD rates not competitive?

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

Is The Columbia Bank a commercial bank?

Yes

Where are The Columbia Bank locations?

See branch locations nearby.

Is The Columbia Bank open on Saturdays?

Is The Columbia Bank open on Sundays?

What time does The Columbia Bank open?

What time does The Columbia Bank close?

Are The Columbia Bank ATMs Open 24/7?

Do The Columbia Bank ATMs accept cash deposits?

Can The Columbia Bank customers use other ATMs?

Do The Columbia Bank branches have notaries?

Will The Columbia Bank notarize my document?

What address for The Columbia Bank should I put for incoming ACH transfers?

Will the The Columbia Bank branch print checks?

Do The Columbia Bank checks expire?

Does The Columbia Bank require US citizenship to open account?

Can The Columbia Bank close my account?

Does The Columbia Bank Report to credit bureaus?

Does The Columbia Bank Use Equifax?

What is The Columbia Bank's ACH Routing Number?

What is The Columbia Bank's SWIFT code?

Products

Does The Columbia Bank offer mortgages?

Compare mortgage rates here.

Does The Columbia Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Columbia Bank offer personal loans?

Compare personal loan rates here.

Does The Columbia Bank offer student loans?

Will The Columbia Bank cash a check?

Will The Columbia Bank redeem a savings bond?

Does The Columbia Bank cash savings bonds?

Will The Columbia Bank cash money orders?

Can The Columbia Bank issue a money order?

Does The Columbia Bank do currency exchange?

Background on The Bank

Who owns The Columbia Bank?

How long has The Columbia Bank been around?

Can The Columbia Bank transfer to other banks?

Does The Columbia Bank have quick pay?

Does The Columbia Bank accept rolled coins?

Will The Columbia Bank accept loose change?

Where is The Columbia Bank headquarters?

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