First Columbia Bank & Trust Co.

Overview / Commentary
232 East Street
Bloomsburg, PA 17815

First Columbia Bank & Trust Co. is headquartered in Bloomsburg and is the 53rd largest bank in the state of Pennsylvania. It is also the 1,047th largest bank in the nation. It was established in 1926 and as of September of 2020, it had grown to 170 employees at 14 locations. First Columbia Bank & Trust Co. has an A+ health rating.

Reviews (1)

Experiences with First Columbia

I have used this bank for about 12 years. I have had mostly great experiences. I online bank, and when I have forgotten my password, customer support is quick to help me change it. I have had a problem with linking apps through online banking however, as this bank does not allow any linkages to an account by account holders. Physically visiting the bank is great, and most tellers are friendly. They do not have a credit card as far as I know, nor anything like an IRA. I have had a CD with them in the past, and it worked well. However, their interest rates, like most banks lately, have dropped substantially. I only have a checking account with them, as the savings rate is too low for me to justify putting money into.


Health Grade Components

FDIC Certificate #686
Year Established1926
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.18%
Return on Equity - YTD9.46%
Annual Interest Income$18.8MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$845.1MM$753.8MM
LoansQ3 2020vs Q3 2019$483.7MM$473.6MM
DepositsQ3 2020vs Q3 2019$624.3MM$536.4MM
Equity CapitalQ3 2020vs Q3 2019$99.6MM$94.3MM
Loan Loss AllowanceQ3 2020vs Q3 2019$8.7MM$7.5MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$3.3MM$4.7MM
Real Estate OwnedQ3 2020vs Q3 2019$80.00K$60.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Columbia Bank & Trust Co. Money Market Rates

0.07%*$10k*-Money Market Account
OTHER TIERS: 0.03% Up to $10k

First Columbia Bank & Trust Co. Checking Account Rates

0.25%*$250k*-High Yield Account
OTHER TIERS: 0.10% $25k - $100k | 0.15% $100k - $250k

First Columbia Bank & Trust Co. CD Rates

0.60%*$10k*-60 Month CD
OTHER TIERS: 0.40% $500 - $2k | 0.50% $2k - $10k
0.55%*$10k*-48 Month CD
OTHER TIERS: 0.35% $500 - $2k | 0.45% $2k - $10k
0.55%*$250k*-36 Month Flex CD
OTHER TIERS: 0.03% Up to $10k | 0.05% $10k - $15k | 0.15% $15k - $20k | 0.25% $20k - $25k | 0.35% $25k - $100k | 0.45% $100k - $250k
0.50%*$10k*-36 Month CD
OTHER TIERS: 0.30% $500 - $2k | 0.40% $2k - $10k
0.45%*$10k*-30 Month CD
OTHER TIERS: 0.25% $500 - $2k | 0.35% $2k - $10k
0.40%*$10k*-24 Month CD
OTHER TIERS: 0.20% $500 - $2k | 0.30% $2k - $10k
0.30%*$10k*-18 Month CD
OTHER TIERS: 0.15% $500 - $2k | 0.20% $2k - $10k
0.25%*$10k*-12 Month CD
OTHER TIERS: 0.15% $500 - $2k | 0.20% $2k - $10k
0.25%*$10k*-15 Month CD
OTHER TIERS: 0.20% $500 - $10k
0.20%$5k-12 Month No Penalty CD
0.10%$500-182 Day CD
0.05%$500-90 Day CD

First Columbia Bank & Trust Co. IRA Rates

0.60%$100-60 Month Fixed IRA
0.50%$100-36 Month Fixed IRA
0.30%$100-18 Month Fixed IRA
0.05%$100-18 Month Floating IRA


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