Fair Lawn, NJ · Cert 28834 · Columbia Bank MHC
State savings bank · OCC · 70 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.3% share · #31 of 151 inst. · $8.4B of $2921.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | -0.74% | 0.34% | 0.47% | 0.53% | 0.58% | 0.54% | 0.52% | +5 bps | |
| Return on Equity | 2.27% | -7.56% | 3.42% | 4.63% | 5.32% | 5.83% | 5.32% | 5.30% | +68 bps | |
| Net Interest Margin | 1.77% | 1.92% | 1.95% | 2.06% | 2.18% | 2.22% | 2.21% | 2.26% | +21 bps | |
| Efficiency Ratio | 80.08% | 81.59% | 73.75% | 71.69% | 66.90% | 67.42% | 66.36% | 65.27% | -642 bps | |
| Non-Interest Burden | 1.35% | 1.50% | 1.35% | 1.37% | 1.34% | 1.39% | 1.36% | 1.34% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.33% | 1.31% | 2.89% | 2.57% | 4.26% | 5.22% | 3.78% | 13.34% | +1,076 bps | |
| Loan Growth (YoY) | 0.90% | 2.86% | 5.16% | 6.96% | 7.15% | 4.69% | 2.84% | 3.84% | -311 bps | |
| Deposit Growth (YoY) | 3.04% | 5.74% | 7.16% | 7.06% | 6.57% | 4.63% | 2.43% | 16.85% | +979 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.29% | 0.31% | 0.50% | 0.41% | 0.47% | 0.51% | 0.51% | +1 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.07% | 0.04% | 0.16% | 0.06% | 0.03% | -0.03% | 0.09% | -6 bps | |
| Allowance / Loans | 0.75% | 0.76% | 0.77% | 0.79% | 0.79% | 0.81% | 0.83% | 0.84% | +5 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.6x | 2.5x | 1.6x | 1.9x | 1.7x | 1.6x | 1.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.62% | 9.64% | 9.88% | 9.95% | 9.67% | 9.67% | 9.78% | 9.75% | -21 bps | |
| Total Risk-Based Capital | 14.44% | 14.41% | 14.37% | 14.40% | 13.89% | 14.09% | 14.29% | 14.11% | -29 bps | |
| Equity / Assets | 9.59% | 9.98% | 10.02% | 10.09% | 9.86% | 10.01% | 10.12% | 9.37% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.76% | 97.19% | 97.31% | 99.78% | 99.30% | 97.25% | 97.70% | 88.67% | -1,111 bps | |
| Liquid Assets / Assets | 5.81% | 5.99% | 5.67% | 5.48% | 5.49% | 6.18% | 5.34% | 11.63% | +614 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 431% | 428% | 424% | n/a | n/a | |