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Columbia Bank

Fair Lawn, NJ · Cert 28834 · Columbia Bank MHC

State savings bank · OCC · 70 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

33

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

27

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Columbia Bank

Fair Lawn, NJ · Cert 28834 · Columbia Bank MHC

State savings bank · OCC · 70 branches

Q2 2026

$12.2BAssets
$8.5BLoans
$9.6BDeposits
$1.1BEquity
Loan mix
93%RE $7.5B7%C&I $0.6B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $7.9B17%Noninterest $1.6BQ2 2025Q2 2026

NIM

4.11%Q2 ’244.26%Q2 ’254.28%Q2 ’26+18%+11%

Non-interest income vs. expense

1.69%Q2 ’241.63%Q2 ’251.63%Q2 ’26-7%-1%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.3% share · #31 of 151 inst. · $8.4B of $2921.1B

5.8% Bergen
1.9% Middlesex
3.5% Passaic
3.3% Union

Executive Summary

  • Earnings: ROA of 0.52%, up 12 bps year over year; NIM at 2.21%.
  • Asset quality: problem loans at 0.51% of loans (+1 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.75%, down 21 bps from a year ago.
  • Funding: loans stand at 88.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.21%+22 bps YoY

Efficiency Ratio (YTD, annualized)

65.80%-688 bps YoY

Tier 1 Leverage Ratio

9.75%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.45%0.48%0.54%0.52%+12 bps
Return on Equity4.03%4.47%4.81%5.32%5.31%+128 bps
Net Interest Margin1.99%2.04%2.06%2.21%2.21%+22 bps
Efficiency Ratio72.68%70.64%69.77%66.36%65.80%-688 bps
Non-Interest Burden1.35%1.34%1.34%1.36%1.34%-1 bps
Growth
Asset Growth (YoY)2.57%4.26%5.22%3.78%13.34%+1,076 bps
Loan Growth (YoY)6.96%7.15%4.69%2.84%3.84%-311 bps
Deposit Growth (YoY)7.06%6.57%4.63%2.43%16.85%+979 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.41%0.47%0.51%0.51%+1 bps
Net Charge-Offs / Loans0.10%0.08%0.07%-0.03%0.03%-7 bps
Allowance / Loans0.79%0.79%0.81%0.83%0.84%+5 bps
Allowance Coverage of NPLs1.6x1.9x1.7x1.6x1.6x+0.1x
Capital
Tier 1 Leverage Ratio9.95%9.67%9.67%9.78%9.75%-21 bps
Total Risk-Based Capital14.40%13.89%14.09%14.29%14.11%-29 bps
Equity / Assets10.09%9.86%10.01%10.12%9.37%-73 bps
Liquidity & Funding
Loans / Deposits99.78%99.30%97.25%97.70%88.67%-1,111 bps
Liquid Assets / Assets5.48%5.49%6.18%5.34%11.63%+614 bps
CRE / Total Capitaln/a431%428%424%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Columbia Bank

Fair Lawn, NJ · Cert 28834 · Peer group: banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15) · Columbia Bank MHC

State savings bank · OCC · 70 branches

Q2 2026

$12.2BAssets
$8.5BLoans
$9.6BDeposits
$1.1BEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 67% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 6 of 15).
  • Widest gap: return on assets trails 87% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 13 of 15).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.49%

Rank 13 of 15

Net Interest Margin

2.21%

Rank 9 of 15

Efficiency Ratio

65.80%

Rank 12 of 15

Equity / Assets

9.37%

Rank 10 of 15

Non-interest income vs. expense

$33.3M$185.2MINCOMEEXPENSE
Unfavorable gap of $151.9M · efficiency ratio beats 27% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 65.80%Peer median 55.4%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.49%0.74%0.98%1.14%Beats 13%13 / 15
Return on Equity5.21%5.21%8.81%10.53%Beats 20%12 / 15
Net Interest Margin2.21%1.76%2.56%3.09%Beats 40%9 / 15
Efficiency Ratio65.80%49.33%55.36%65.80%Beats 27%12 / 15
Asset Quality
Nonperforming Loans / Loans0.51%0.39%0.66%0.92%Beats 67%6 / 15
Net Charge-Offs / Loans0.03%0.01%0.03%0.10%Beats 53%8 / 15
Capital
Tier 1 Capital Ratio13.19%12.31%14.32%17.39%Beats 33%10 / 15
Total Risk-Based Capital Ratio14.11%13.34%14.76%19.29%Beats 33%10 / 15
Equity / Assets9.37%8.06%10.22%12.59%Beats 33%10 / 15
Liquidity & Funding
Loans / Deposits88.67%52.62%85.61%96.57%60th pctl6 / 15
Loans / Assets69.81%32.81%69.81%78.17%47th pctl8 / 15
Brokered Deposits / Depositsn/aNot reported for this institution