Columbus First Bank

6877 N. High Street
Worthington, OH 43085
(614) 310-7200
www.columbusfirstbank.com

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Columbus First Bank is headquartered in Worthington and is the 85^th largest bank in the state of Ohio. It is also the 2,934^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 27 employees at 1 location. Columbus First Bank has a 5-star health rating.

Columbus First Bank Routing Number: 044015860

2.55% 24-Month CD at Columbus First Bank in Ohio - Local Only - 11/11/2009

Columbus First Bank has some good deals on CD rates. The most competitive include the 2.05% APY 12-month CD, the 2.10% APY 18-month CD and the 2.55% APY 24-month CD. Minimum deposit is $500. These are also available in an IRA. These rates are listed in...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Columbus First Bank Checking Account Rates

Apy	Min	Max	Product
0.20%	$25k	-	Interest Checking Account
0.10%	-	-	Sole Proprietor Checking Account
0.10%	$2,500	-	Premium Sole Proprietor Checking Account

Columbus First Bank Savings Account Rates

	Apy	Min	Max	Product
	0.25%	$2,500	-	Savings Account

Columbus First Bank Money Market Rates

Apy	Min	Max	Product
0.65%	$250k	-	Premium Money Market Account
0.40%	$50k	-	Money Market Account

Columbus First Bank CD Rates

Apy	Min	Max	Product
2.00%	$500	-	60 Month CD
1.75%	$500	-	48 Month CD
1.30%	$500	-	36 Month CD
1.15%	$500	-	30 Month CD
1.00%	$500	-	24 Month CD
0.85%	$500	-	18 Month CD
0.70%	$500	-	12 Month CD
0.55%	$500	-	6 Month CD

Columbus First Bank IRA Rates

Apy	Min	Max	Product
2.00%	$500	-	60 Month IRA
1.75%	$500	-	48 Month IRA
1.30%	$500	-	36 Month IRA
1.15%	$500	-	30 Month IRA
1.00%	$500	-	24 Month IRA
0.85%	$500	-	18 Month IRA
0.70%	$500	-	12 Month IRA
0.55%	$500	-	6 Month IRA

Rates updated: 5/24/2012

Data for Q1 2012

Institution Statistics

Columbus First Bank
FDIC Certificate #	58445
BankRate Report	View
Year Established	2007
Employees	27
Primary Regulator	FDIC
Assets and Liabilities
Assets	$216.88 million
Loans	$173.66 million
Deposits	$166.57 million
Equity Capital	$22.68 million
Loan Loss Allowance	$3.11 million
Real Estate Owned	$643,000
Historic Data - March 2011
Assets	$170.33 million
Equity Capital	$15.53 million
Loan Loss Allowance	$2.44 million
Profit Margin - Quarterly
Net Interest Margin	3.95%
Return on Assets	0.76%
Return on Equity	7.14%
Interest Income	$2.56 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Columbus First Bank had $643,000 in non-current loans and owned real-estate with $25.78 million in equity and loan loss allowances on hand to cover it. This gives Columbus First Bank a Texas Ratio of 2.49% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, Columbus First Bank has increased its total deposits by $24.12 million, resulting in 16.93% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Columbus First Bank has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Columbus First Bank has $216.88 million in assets with $25.78 million in equity, resulting in a capitalization level of 11.89%, which is above average.

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Columbus First Bank

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