Compared with Kentucky
6 of 11
compared fees are above the median.
4 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
84th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kentucky median
of 11 compared; 4 below, 1 about the same
See the feesFee schedule read Oct 15, 2026
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 | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Kentucky median | Published fees above the Kentucky 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
Service charges were 4.5% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (84th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
6 of 11 compared published fees sit above the Kentucky median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Kentucky medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Wire Transfer (Domestic Out)
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.
Service-charge income rose 13% from Q3 2025 to Q2 2026, to $128K. Its share of revenue, 4.5%, is above the 2.1% median for banks with under $300M in assets.
$128K
Bank of ColumbiaMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for Bank of Columbia (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Bank of Columbia left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Bank of Columbia by share.
Amounts from Bank of Columbia’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| DORMANT and subject to a DORMANT FEE (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment Charge (audience not stated, treated as personal) | $25Above the U.S. middle 50% ($5 to $10 nationally) | 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 | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| NSF Paid Item Fee (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Fee: NSF Return Item Fee (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Domestic Wire (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming International Wire (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashier's Check | $1Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Check Printing Fee (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Foreign Check Collection Fee | $3.50Below the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Account Services | |||
| Notice of Levy or Garnishment (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($30 to $85 nationally) | 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
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.
Where Bank of Columbia operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $209.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $209.2M |
Largest competitors nearby
Local market: Adair county, KY, where it holds the most deposits.
| 4 in its local market | Deposit share |
|---|---|
| First & Farmers National Bank, Inc. | 26.4% |
| United Citizens Bank of Southern Kentucky | 26.4% |
| Community Trust Bank, Inc. | 6.9% |
| Woodforest National Bank | 0.3% |
This bank holds 39.9% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.