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7168 Columbia Gateway Drive
Columbia, MD 21046

The Columbia Bank is headquartered in Columbia and is the 3rd largest bank in the state of Maryland. It is also the 365th largest bank in the nation. It was established in 1988 and as of March of 2014, it had grown to 278 employees at 39 locations. The Columbia Bank has a A+ health rating.

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Reviews (3)

Not Worth Your Time Or Money - Awful

I came to open a joint savings account, and was treated by the most rude individual imaginable. Upon calling us in, she didn't even ask us to take a seat. We literally stood there for two minutes before I just went to sit down. She barely glanced at us and asked us questions which, I honestly think, were unnecessary and quite frankly demeaning. She then proceeded to give us financial advice (which we didn't ask for) and basically told us we were banking like idiots.

Needless to say, we decided against opening an account here and we will never in the future. I highly recommend that others avoid banking here. Horrible first experience. Lack of respect and courtesy and overall trust.

For a local bank, this is unacceptable behavior. Bigger branches do better.

Horrible Bank!!

“Horrible!” This is a piss-poor excuse for a bank. Don't go there.

It started with trying to open an account online, easy enough you would think. After requesting proof of address, which was no problem, they emailed me and told me the document I sent did not have my name on it when they must have been blind because it was right there big and bold. So I emailed them and told them to return my checks and that I would just open the account in a branch in person. In a few days, no checks were returned but they apparently opened the account anyway (supposedly without having my address verified). Not to mention getting my address wrong on the checks.

And then, I went in to the branch to deposit a check, brought all my legal paperwork for the person I am a guardian over (we're talking original power of attorney and original guardianship paperwork with original court seal and judge's signature on it!) and the manager started seriously making things up that I needed! (Mind you, this was for a $40 check). He said they have to make sure I'm not committing fraud and I gave him COURT DOCUMENTS, LEGAL DOCUMENTS showing that I had the legal right to do banking as a guardian for this person and he refused. He then told me I needed to either bring the incapacitated person in (that would be a feat!) or get a notarized letter that she is not dead! WTF!?!?!? I seriously think this man was just making this stuff up! Needless to say, I have taken my banking elsewhere.

When I First Started Banking With TCB It Wasn't So Bad. After Almost A Year With Them, The Tables Had Turned Drastically

First they upped the price of their overdraft fees from $36 to $39 and they are allowed to OD you up to 7 times in a day for various credits/checks/debits that happen. Now, in a perfect world you should be very careful to not OD your account. But since this world is not perfect sometimes you have to OD in order to pay for household staples/bills. Employees at TCB have no empathy for anyone's situation at ALL.Whenever I was going to OD my account I knew beforehand that it was going to happen so I didn't complain about it because it had to be done.But the last straw for me was when I realized I was going to OD significantly due to a payroll error so I deposited a check into the ATM, and unlike most other banks TCB does not post the first $100 to your account until the next business day. So naturally they put through checks that I had out before they credited me. I overdrew 3 times for 3 different checks. If they would have given me the first $100 we would have avoided all this. When I called TCB they would not budge on refunding even ONE. They said because they had refunded me 2 in the year (1 of them was a bank error) so they refused to refund anymore. I asked her to reconsider and reminded her that I had paid $508 this year in OD fees and to please refund at least 1 . She was VERY rude and denied me immediately. ALSO, I had direct deposit go in every single week and I would watch my account online every week around midnight to see if TCB was going to put through a check seconds before my paycheck was deposited. EVERYTIME I had a check out they did this to me. I'm not even joking when i say SECONDS. The Columbia Bank is nothing but a thieving bank and their employees are rude and will NEVER empathize with you no matter the situation. When I went to close my account the lady didn't even blink an eye to get me to try to stay or apologize about my experiences with them OR thank me for giving them $500 of my own money for there outrageous OD prices. Online site sucks too


Data for Q1 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 March 31, 2014 The Columbia Bank had $13.24 million in non-current loans and owned real-estate with $314.61 million in equity and loan loss allowances on hand to cover it. This gives The Columbia Bank a Texas Ratio of 4.21% 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 The Columbia Bank decreased slightly from 5.14% as of March 31, 2013 to 4.21% as of March 31, 2014, resulting in a positive change of 18.10%.This indicates that the balance sheet and financial strength for The Columbia Bank has improved slightly in recent periods.

Deposit Growth


In the past year, The Columbia Bank has increased its total deposits by $24.17 million, resulting in 1.58% 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 The Columbia Bank has shown is above average.



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. The Columbia Bank has $2 billion in assets with $314.61 million in equity, resulting in a capitalization level of 15.77%, which is excellent.

Institution Statistics

FDIC Certificate #27244
Year Established1988
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.00 billion
Loans$1.33 billion
Deposits$1.56 billion
Equity Capital$293.14 million
Loan Loss Allowance$21.47 million
Unbacked Noncurrent Loans$12.26 million
Real Estate Owned$980,000
Historic Data - March 2013
Assets$1.99 billion
Equity Capital$336.52 million
Loan Loss Allowance$24.26 million
Unbacked Noncurrent Loans$12.26 million
Real Estate Owned$1.76 million
Profit Margin - Quarterly
Net Interest Margin3.62%
Return on Assets0.87%
Return on Equity5.77%
Interest Income$17.03 million
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The Columbia Bank Money Market Rates

0.18%$250k-Platinum Money Market Account
0.15%--IRA Money Market
0.10%$1k-Money Market Account

The Columbia Bank CD Rates

1.90%$2k-5 Year Promo Relationship Banking CD
1.60%$2k-4 Year Promo Relationship Banking CD
1.40%$2k-3 Year Bump-Up Promo Relationship Banking CD
1.30%$1k-30 Month Promo Relationship Banking CD
0.50%$500-35 Month CD
0.50%$500-3 Year CD
0.30%$500-18 Month CD
0.30%$500-22 Month CD
0.30%$500-2 Year CD
0.25%$500-23 Month CD
0.20%$500-12 Month CD
0.20%$500-13 Month CD
0.20%$500-15 Month CD
0.05%$500-3 Month CD
0.05%$500-6 Month CD
0.05%$500-9 Month CD
0.05%$2,500-12 Month No Penalty CD

The Columbia Bank IRA Rates

1.90%$2k-5 Year Promo Relationship Banking IRA
1.60%$2k-4 Year Promo Relationship Banking IRA
1.40%$2k-3 Year Bump-Up Promo Relationship Banking IRA
1.30%$1k-30 Month Promo Relationship Banking IRA
0.50%$500-35 Month IRA
0.50%$500-3 Year IRA
0.30%$500-18 Month IRA
0.30%$500-22 Month IRA
0.30%$500-2 Year IRA
0.25%$500-23 Month IRA
0.20%$500-12 Month IRA
0.20%$500-13 Month IRA
0.20%$500-15 Month IRA
0.05%$500-3 Month IRA
0.05%$500-6 Month IRA
0.05%$500-9 Month IRA
0.05%$2,500-12 Month No Penalty IRA

The Columbia Bank has 39 locations. Click to view all The Columbia Bank locations.