Bank of Columbia

Headquarters: Columbia, Kentucky
Charter: Bank
Assets: $231.1M
Fed district: St. Louis
Regulator: FDIC
Holding company: Columbia Bancshares Inc.

11 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 15, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 15, 2026

How these figures are measured

Call-report figures are for Bank of Columbia at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Bank of Columbia's published fee schedule; Bank Fee Index medians	Current schedule	Oct 15, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Bank of Columbia (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $128K in Q2 2026, 20% above the same quarter a year earlier ($107K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Bank of Columbia: $35
Bank of Columbia: $35
U.S. median: no median
NSF / Returned Item
Bank of Columbia: $35
Bank of Columbia: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Bank of Columbia: $25
Bank of Columbia: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 13% from Q3 2025 to Q2 2026, to $128K.

Service-charge income, Q2 2026

$128K

$113KQ3 2025

$109KQ4 2025

$115KQ1 2026

$128KQ2 2026

Against the median

Bank of ColumbiaMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Bank of Columbia · $231M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$222M to $240M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Bank of Columbia(this institution)	Columbia, KY	$231M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
BANKWEST	Rockford, MN	$240M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Blue Grass Savings Bank	Blue Grass, IA	$225M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens State Bank	Cadott, WI	$238M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Eagle Bank	Glenwood, MN	$227M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank and Trust Company of Illinois	Palatine, IL	$229M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Savings and Loan Association of San Rafael	San Rafael, CA	$222M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank of Bedias	Bedias, TX	$225M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Texoma National Bank	Durant, OK	$225M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Franklin State Bank & Trust Company	Winnsboro, LA	$225M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Gateway Commercial Bank	Mesa, AZ	$231M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MCS Bank	Milroy, PA	$225M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Metropolitan Bank	Oakland, CA	$230M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Security Bank	Newbern, TN	$224M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Security State Bank of Marine	Marine On St. Croix, MN	$233M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Anna -Jonesboro National Bank	Anna, IL	$234M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
The Citizens Bank	Enterprise, AL	$233M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank and Trust	Atmore, AL	$239M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Izard County	Calico Rock, AR	$235M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Waynesboro	Waynesboro, GA	$229M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Seymour Bank	Seymour, MO	$225M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Triad Bank, National Association	Tulsa, OK	$229M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Uinta Bank	Mountain View, WY	$222M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank and Trust Company	Hampton, IA	$228M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Warren-Boynton State Bank	New Berlin, IL	$235M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
West Central Bank	Ashland, IL	$232M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Bank of Columbia does not publish a monthly maintenance fee in the index.

The peer median is $6 among 15 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Bank of Columbia does not publish a monthly maintenance fee, so it is not on this chart.

Bank of ColumbiaPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Bank of Columbia (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $128K
vs prior quarter: +$13K+11.3%; from Q1 2026
vs a year earlier: +$21K+19.6%; from Q2 2025
vs start of range: +$11K+9.4%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Bank of Columbia (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$128K	+$13K	+11.3%
Q1 2026	$115K	+$6K	+5.5%
Q4 2025	$109K	−$4K	−3.5%
Q3 2025	$113K	+$6K	+5.6%
Q2 2025	$107K	−$5K	−4.5%
Q1 2025	$112K	+$1K	+0.9%
Q4 2024	$111K	−$6K	−5.1%
Q3 2024	$117K	+$14K	+13.6%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Bank of Columbia’s own schedules, with a source for each figure.

Account Maintenance

DORMANT and subject to a DORMANT FEE (audience not stated, treated as personal)$5
per month
Escheatment Charge (audience not stated, treated as personal)$25
Account Research Fee (audience not stated, treated as personal)$10
Not compared: Charged per hour; comparison unavailable
per hour
Excessive withdrawal fees$5
per item

Overdraft & NSF

NSF Paid Item Fee (audience not stated, treated as personal)$35
NSF Fee: NSF Return Item Fee (audience not stated, treated as personal)$35
per item

Wire Transfers

Outgoing Domestic Wire (audience not stated, treated as personal)$25
per item
Incoming International Wire (audience not stated, treated as personal)$20
per item

Check Services

Cashier's Check$1
per item
Stop Payment Fee (audience not stated, treated as personal)$30
per item
Counter Check Printing Fee (audience not stated, treated as personal)$2
per item
Foreign Check Collection Fee$3.50
per item

Account Services

Notice of Levy or Garnishment (audience not stated, treated as personal)$20
per item

Fee	Amount	Basis	Note
Account Maintenance
DORMANT and subject to a DORMANT FEE (audience not stated, treated as personal)	$5	per month	None
Escheatment Charge (audience not stated, treated as personal)	$25	Not stated	None
Account Research Fee (audience not stated, treated as personal)	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive withdrawal fees	$5	per item	None
Overdraft & NSF
NSF Paid Item Fee (audience not stated, treated as personal)	$35	Not stated	None
NSF Fee: NSF Return Item Fee (audience not stated, treated as personal)	$35	per item	None
Wire Transfers
Outgoing Domestic Wire (audience not stated, treated as personal)	$25	per item	None
Incoming International Wire (audience not stated, treated as personal)	$20	per item	None
Check Services
Cashier's Check	$1	per item	None
Stop Payment Fee (audience not stated, treated as personal)	$30	per item	None
Counter Check Printing Fee (audience not stated, treated as personal)	$2	per item	None
Foreign Check Collection Fee	$3.50	per item	None
Account Services
Notice of Levy or Garnishment (audience not stated, treated as personal)	$20	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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