Columbia Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.84 percentage points higher than in Q1 2026, at 354.89%. Within New Jersey, Columbia Bank is 30th of 49 on loan-to-deposit ratio, 88.67% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio; Columbia Bank reported 88.67% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $8.49B |
| Net loans and leases | $8.42B |
| Loans held for sale | $0 |
| Loans to total assets | 69.81% |
| Loan-to-deposit ratio | 88.67% |
| Net loans to equity capital | 7.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.93% |
| Multifamily (5+ residential) | 20.85% |
| Commercial and industrial | 7.98% |
| Consumer | 0.03% |
| Credit cards | 0.02% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 354.89% |
| Construction concentration (Tier 1 capital + allowance) | 43.16% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.01% |
| Interest income on loans | $104.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $7.65B | $7.59B | 29.08% | 7.19% | 0.03% |
| Q4 2023 | $7.70B | $7.71B | 28.84% | 6.97% | 0.04% |
| Q1 2024 | $7.64B | $7.70B | 28.50% | 7.10% | 0.03% |
| Q2 2024 | $7.65B | $7.66B | 28.52% | 7.30% | 0.03% |
| Q3 2024 | $7.72B | $7.82B | 27.86% | 7.65% | 0.04% |
| Q4 2024 | $7.92B | $8.15B | 28.05% | 7.92% | 0.04% |
| Q1 2025 | $8.03B | $8.25B | 28.40% | 7.72% | 0.03% |
| Q2 2025 | $8.18B | $8.20B | 28.85% | 9.01% | 0.03% |
| Q3 2025 | $8.27B | $8.33B | 28.42% | 7.39% | 0.03% |
| Q4 2025 | $8.29B | $8.53B | 28.79% | 7.37% | 0.03% |
| Q1 2026 | $8.26B | $8.45B | 28.49% | 7.27% | 0.03% |
| Q2 2026 | $8.49B | $9.58B | 28.93% | 7.98% | 0.03% |
Columbia Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Columbia Bank, freeSource: Call Report Schedule RC-C, 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)