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Columbia Bank
Fair Lawn, NJ·FDIC Cert #28834·Charter: OCC·Est. 19260101.0·HC: COLUMBIA BANK MHC
Total Assets
$11.0B
Q4 2025
Return on Assets
0.48%
+0.03%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
69.77%
Peer avg: 55.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
49
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.48%+0.03
ROE
4.81%+0.34
Efficiency
69.77%-0.87
Equity/Assets
0.00%+0.00
NPL Ratio
0.48%+0.06
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
96.46%-2.05
Charge-offs
0.07%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | -0.1 | 0.1 | 0.1 | -0.1 | 0.3 | 0.4 | 0.4 | 0.5 |
| ROE | -0.6 | 0.8 | 1.3 | -1.0 | 3.4 | 4.0 | 4.5 | 4.8 |
| Efficiency | 92.1 | 89.3 | 86.1 | 84.9 | 73.7 | 72.7 | 70.6 | 69.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.4 | 0.3 | 0.3 | 0.5 | 0.4 | 0.5 |
| Charge-offs | 0.3 | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 98.5 | 99.1 | 98.0 | 96.5 | 96.6 | 99.0 | 98.5 | 96.5 |
Balance Sheet
Total Assets$11.0B
Total Deposits$8.5B
Total Loans$8.2B
Total Equity$1.1B
Profitability
ROA0.48%
ROE4.81%
Efficiency Ratio69.77%
Net Income$51.6M
Risk & Asset Quality
NPL Ratio0.48%
Charge-off Rate0.07%
Loan/Deposit96.46%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans