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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