Columbia Bank (Fair Lawn, NJ)
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Data as of · sourced from FFIEC call reports. How we update
Columbia Bank is an FDIC-insured savings institution headquartered in Fair Lawn, NJ, established in 1926 (FDIC certificate 28834), and it is supervised by the OCC. At Q2 2026 it reported total assets of $12.17B, up 13.3% from Q2 2025, the 5th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 13.19% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28834
- Headquarters
- Fair Lawn, NJ
- Established
- 1926
- Total assets, Q2 2026
- $12.17B
- Assets vs Q2 2025
- +13.3%
- CET1 ratio, Q2 2026
- 13.19%
- Domestic offices
- 69 FDIC institution directory, current count
- Routing number
- 221271935
- Latest call report
- Q2 2026, FFIEC 041 · Columbia Bank call report
- Holding company
- COLUMBIA FINANCIAL, INC.
- Asset rank in state
- 5th of 49 in New Jersey
Columbia Bank spends more to run itself than most banks of its size. Based in Fair Lawn, New Jersey, it had $12.2 billion in assets at June 30, 2026, up 13.3% from a year earlier. It earns about $0.53 a year on every $100 of assets, about a third the median of $1.32 for the 127 banks with $10 billion to $100 billion in assets. It also keeps 2.42 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.63 cents).
Net income for the quarter rose 20% from a year earlier, to $15 million. Over the same year, loans grew 3.8% and deposits grew 16.9%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.5 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
As of June 30, 2026, Columbia Bank reported a CET1 capital ratio of 13.19%, a return on assets of 0.53%, a nonperforming-loan ratio of 0.51% and a Texas ratio of 4.48%. The figures come from its call report filed with the FFIEC.
Of the 49 banks headquartered in New Jersey, Columbia Bank is the 5th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 10.5% to $12.17B, loans rose 2.8% and deposits rose 13.3%. 1-4 family residential loans made up 34.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.4%. The FDIC Summary of Deposits lists 70 offices for it, in 58 cities in NJ; its Fair Lawn 5 offices book 23% of its branch deposits. On its Q2 2026 call report, Columbia Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 19-01 Route 208, Fair Lawn, NJ 07410
- County
- Bergen
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1926
- Former names
- Columbia Savings Bank (1995-2001); Columbia Savings Bank SLA (1989-1995)
- Domestic offices
- 69 FDIC institution directory, current count
- Employees (FTE)
- 799
- Domestic deposits
- $9.58B
- Allowance for credit losses
- $71.1M
- Net charge-offs (YTD)
- $1.4M
- Average total assets
- $11.34B
- Average total loans
- $8.32B
- Average interest-bearing deposits
- $7.00B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28834
- Fed RSSD
- 174572
- SEC CIK
- 1723596 → filed by COLUMBIA FINANCIAL, INC.
- Website
- www.columbiabankonline.com →
- Parent Holding Company
- COLUMBIA FINANCIAL, INC. (RSSD 2571120)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Thomas J. Kemly | CEO | President & CEO |
| Thomas Splaine Jr | CFO | EVP, CFO |
| Smith Matthew James | COO | SEVP & COO |
| John Klimowich | CRO | SEVP & Chief Risk Officer |
| Prabhu Manesh Balachandran | CIO | EVP & CIO |
| Rickert Matthew William | CCO | EVP & Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Columbia Bank's total assets ran between $9.98B (Q3 2023) and $12.17B (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$12.17B total assets against $10.73B; $11.03B total liabilities against $9.65B.
$8.42B net loans and leases against $8.11B; $9.58B total deposits against $8.20B.
$1.66B securities against $1.47B; $1.09B cash and balances due against $248.1M.
$123.2M total interest income against $117.2M; $59.8M total interest expense against $62.4M.
$63.4M net interest income against $54.7M.
$9.5M total noninterest income against $8.1M; $47.6M total noninterest expense against $45.1M.
$5.1M provision for credit losses against $1.8M.
$14.9M net income against $12.4M.
0.53% return on assets against 0.46%; 2.42% net interest margin against 2.19%.
13.19% CET1 capital ratio against 13.53%; 9.75% tier 1 leverage ratio against 9.95%.
Inside the full Columbia Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Columbia Bank rankings
Its closest position to the top of a national ranking is 143 of 4,196, for total assets; its furthest is 3,216 of 3,611, for ROA.
Metric pages for Columbia Bank: Uninsured deposits.
Banks merged into Columbia Bank
- Northfield Bank, effective July 21, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.71% (Q4 2024) to 0.57% (Q4 2025) and its net interest margin ran from 1.89% (Q3 2024) to 2.42% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.19% | 0.53% | 0.51% | 4.48% | 2.42% |
| Q1 2026 | 13.38% | 0.53% | 0.51% | 4.47% | 2.37% |
| Q4 2025 | 13.20% | 0.57% | 0.47% | 3.73% | 2.37% |
| Q3 2025 | 13.02% | 0.53% | 0.41% | 3.32% | 2.32% |
| Q2 2025 | 13.53% | 0.46% | 0.50% | 3.99% | 2.19% |
| Q1 2025 | 13.51% | 0.34% | 0.31% | 2.62% | 2.08% |
| Q4 2024 | 13.56% | -0.71% | 0.29% | 2.50% | 2.05% |
| Q3 2024 | 13.61% | 0.21% | 0.38% | 3.34% | 1.89% |
Swipe the table sideways to see every column.
Branch Network
View all 70 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Columbia Bank (main office) | Fair Lawn , NJ | 07410 | $1.45B |
| Rahway Irving Branch | Rahway , NJ | 07065 | $259.9M |
| Midland Park Branch | Midland Park , NJ | 07432 | $254.9M |
| Broadway Branch | Fair Lawn , NJ | 07410 | $251.2M |
| Voorhees Branch | Voorhees , NJ | 08043 | $238.4M |
| Wayne Hills Branch | Wayne , NJ | 07470 | $236.6M |
| Maple Shade Branch | Maple Shade , NJ | 08052 | $231.9M |
| Pompton Plains Branch | Pompton Plains , NJ | 07444 | $222.0M |
| Colonia Branch | Colonia , NJ | 07067 | $210.9M |
| Hawthorne Branch | Hawthorne , NJ | 07506 | $210.1M |
| Route 17 Branch | Paramus , NJ | 07652 | $202.4M |
| Wyckoff Branch | Wyckoff , NJ | 07481 | $200.3M |
| Woodbridge Branch | Woodbridge , NJ | 07095 | $196.0M |
| Ridgewood Branch | Ridgewood , NJ | 07450 | $182.9M |
| Saddle River Road Branch | Fair Lawn , NJ | 07410 | $177.3M |
| Clark Branch | Clark , NJ | 07066 | $176.8M |
| West Milford Branch | West Milford , NJ | 07480 | $174.4M |
| Route 4 Branch | Paramus , NJ | 07652 | $169.0M |
| River Road Branch | Fair Lawn , NJ | 07410 | $160.0M |
| Franklin Lakes Branch | Franklin Lakes , NJ | 07417 | $154.4M |
| Deptford Branch | Deptford , NJ | 08096 | $149.5M |
| Washington Township Branch | Sewell , NJ | 08080 | $145.2M |
| Roselle Branch | Roselle , NJ | 07203 | $144.1M |
| West Main Street Branch | Freehold , NJ | 07728 | $140.7M |
| East Brunswick Branch | East Brunswick , NJ | 08816 | $140.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 21, 2026 | Structure Change | Acquired Northfield Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 20, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 2024 | Structure Change | Acquired Freehold Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 2, 2022 | Structure Change | Acquired Rsi Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2020 | Structure Change | Acquired Roselle Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2019 | Structure Change | Acquired Atlantic Stewardship Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 1981 | Structure Change | Acquired Stonewall S&LA of Linden NJ Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 1981 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.1% of deposits in NJ, rank 10 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,557 applications, 867 loans originated, $739.0M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 15 loans, $15.6M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Columbia Bank
What are Columbia Bank's total assets?
As of the Q2 2026 filing, Columbia Bank reported total assets of $12.17 billion in its FFIEC call report.
Where is Columbia Bank headquartered?
It is headquartered in Fair Lawn, NJ, United States.
When was Columbia Bank founded?
It was established in 1926, per the FDIC institution directory.
Is Columbia Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28834). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Columbia Bank?
Columbia Bank's primary federal regulator is the OCC.
What is Columbia Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Columbia Bank operate?
It operates 69 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Columbia Bank's Texas Ratio?
Its Texas Ratio is 4.48% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Columbia Bank previously called?
The charter now named Columbia Bank has also operated as Columbia Savings Bank (1995-2001), Columbia Savings Bank SLA (1989-1995), per FDIC structure-change records.
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