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6877 N. High Street
Worthington, OH 43085

Columbus First Bank is headquartered in Worthington and is the 69th largest bank in the state of Ohio. It is also the 2,377th largest bank in the nation. It was established in 2007 and as of June of 2014, it had grown to 36 employees at 1 location. Columbus First Bank's money market rates are 14% higher than the national average, and it has a A health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Columbus First Bank had $1.54 million in non-current loans and owned real-estate with $28.21 million in equity and loan loss allowances on hand to cover it. This gives Columbus First Bank a Texas Ratio of 5.45% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Columbus First Bank experienced no significant changes from 5.41% as of June 30, 2013 to 5.45% as of June 30, 2014, resulting in a negative change of 0.85%. This indicates that the balance sheet and financial strength for Columbus First Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Columbus First Bank has increased its total deposits by $20.78 million, resulting in 10.61% 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.



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 $271.32 million in assets with $28.21 million in equity, resulting in a capitalization level of 10.40%, which is above average.

Institution Statistics

FDIC Certificate #58445
Year Established2007
Primary RegulatorFDIC
Assets and Liabilities
Assets$271.32 million
Loans$221.02 million
Deposits$216.74 million
Equity Capital$24.64 million
Loan Loss Allowance$3.57 million
Unbacked Noncurrent Loans$1.54 million
Real Estate Owned$0
Historic Data - June 2013
Assets$250.35 million
Equity Capital$21.53 million
Loan Loss Allowance$3.73 million
Unbacked Noncurrent Loans$1.54 million
Real Estate Owned$368,000
Profit Margin - Quarterly
Return on Assets0.81%
Return on Equity8.94%
Interest Income$5.47 million

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Columbus First Bank Savings Account Rates


Columbus First Bank Money Market Rates

0.50%$250k-Premium Money Market
0.30%$50k-Money Market

Columbus First Bank Checking Account Rates

0.20%$25k-Interest Checking
0.10%--Sole Proprietor Checking
0.10%$2,500-Premium Sole Proprietor

Columbus First Bank CD Rates

1.85%$500-60 Month CD
1.50%$500-48 Month CD
1.25%$500-36 Month CD
1.05%$500-24 Month CD
1.05%$500-30 Month CD
0.80%$500-18 Month CD
0.70%$500-12 Month CD
0.55%$500-6 Month CD

Columbus First Bank IRA Rates

1.85%$500-60 Month IRA
1.50%$500-48 Month IRA
1.25%$500-36 Month IRA
1.05%$500-24 Month IRA
1.05%$500-30 Month IRA
0.80%$500-18 Month IRA
0.70%$500-12 Month IRA
0.55%$500-6 Month IRA

Columbus First Bank Locations
Columbus First Bank6877 N. High StreetWorthington, OH 43085