🏦Bank Scorer

This institution is no longer active

Operations ceased on June 1, 2020. CRA examination history below reflects the period it was active.

COLUMBIA BANK

LAKE CITY, FL · Supervised by FDIC

Est. 1912FDIC #5,677RSSD: FDIC-5677
Part ofPBD HOLDINGS LLC→ View all charters
Satisfactory Same

Current rating · Exam: December 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.37%

Institution Profile

FDIC BankFind

Address

173 Northwest Hillsboro Street, LAKE CITY, FL

County

Columbia County

Established

January 1, 1912

Total Assets

$209M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2014

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 11 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2020Call Report / FDIC

Total Assets

$209M

Total Deposits

$182M

Net Loans

$162M

Net Income

$190K

ROA

0.37%

ROE

3.30%

Risk-Based Capital

14.44%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate16.50%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,68555.49%16.50%
20232,11854.39%13.93%
20224,06070.74%7.76%
20214,05672.76%6.58%
20203,59967.88%7.72%
20193,27670.73%9.65%
20184,79268.66%14.61%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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