Columbia Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 7.7% higher than in Q1 2026, at -$70.8M. Columbia Bank ranks 26th of 37 New Jersey banks on CET1 ratio, in the lower half at 13.19% (Q2 2026). At 13.19%, Columbia Bank's CET1 ratio is close to the 12.96% median for banks in the $10B-100B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.19% |
| Tier 1 risk-based capital ratio | 13.19% |
| Total risk-based capital ratio | 14.11% |
| Tier 1 leverage ratio | 9.75% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.09B |
| Tier 1 capital | $1.09B |
| Total risk-based capital | $1.17B |
| Total equity capital | $1.14B |
| Risk-weighted assets | $8.28B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.37% |
| Tangible equity to tangible assets | 8.48% |
| Equity capital to average assets | 10.05% |
| Internal capital growth rate | 5.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $522.8M |
| Retained earnings | $715.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$70.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.06% | 13.06% | 13.86% | 9.67% | $7.30B |
| Q4 2023 | 13.22% | 13.22% | 14.02% | 9.48% | $7.37B |
| Q1 2024 | 13.44% | 13.44% | 14.25% | 9.49% | $7.23B |
| Q2 2024 | 13.50% | 13.50% | 14.32% | 9.42% | $7.27B |
| Q3 2024 | 13.61% | 13.61% | 14.44% | 9.62% | $7.34B |
| Q4 2024 | 13.56% | 13.56% | 14.41% | 9.64% | $7.57B |
| Q1 2025 | 13.51% | 13.51% | 14.37% | 9.88% | $7.69B |
| Q2 2025 | 13.53% | 13.53% | 14.40% | 9.95% | $7.83B |
| Q3 2025 | 13.02% | 13.02% | 13.89% | 9.67% | $7.98B |
| Q4 2025 | 13.20% | 13.20% | 14.09% | 9.67% | $8.02B |
| Q1 2026 | 13.38% | 13.38% | 14.29% | 9.78% | $8.02B |
| Q2 2026 | 13.19% | 13.19% | 14.11% | 9.75% | $8.28B |
Columbia Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Columbia Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Columbia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28834) · FFIEC NIC profile (RSSD 174572)