Columbia Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Columbia Bank of Fair Lawn, NJ against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.53% | 1.40% | -0.87% | 6th bottom |
| ROAE | 5.30% | 12.28% | -6.98% | 7th bottom |
| Net Interest Margin | 2.42% | 3.83% | -1.41% | 8th bottom |
| Efficiency Ratio | 65.27% | 54.16% | +11.11% | 16th bottom |
| PPNR / Avg Assets | 0.89% | 2.05% | -1.16% | 6th bottom |
| Yield on Earning Assets | 4.70% | 5.72% | -1.02% | 12th bottom |
| Cost of Funds | 2.41% | 2.02% | +0.39% | 26th below |
| Net Interest Spread | 1.94% | 3.13% | -1.19% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.75% | 0.98% | -0.23% | 58th above |
| NPA / Total Assets | 0.57% | 0.72% | -0.15% | 52nd above |
| NCO / Avg Loans | 0.10% | 0.33% | -0.23% | 63rd above |
| ACL / Total Loans | 0.84% | 1.39% | -0.55% | 14th bottom |
| ACL / NPLs (Coverage) | 111.85% | 236.22% | -124.37% | 37th below |
| Texas Ratio | 6.36% | 8.89% | -2.53% | 52nd above |
| Provision / NCO | 375.21% | 121.18% | +254.03% | 96th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.19% | 15.67% | -2.48% | 58th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.19% | 15.80% | -2.61% | 56th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.11% | 16.92% | -2.81% | 50th above |
| Leverage Ratio | 9.75% | 10.51% | -0.76% | 34th below |
| Equity / Assets | 9.37% | 11.73% | -2.36% | 19th bottom |
| TCE / Tangible Assets | 8.48% | 9.73% | -1.25% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.67% | 84.55% | +4.12% | 42nd below |
| Core Deposit Ratio | 90.53% | 86.59% | +3.94% | 50th above |
| Uninsured Deposit Ratio | 45.65% | 36.77% | +8.88% | 31st below |
| Wholesale Funding Ratio | 10.23% | 5.80% | +4.43% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.34% | 11.92% | +1.42% | 75th top |
| Loan Growth (Y/Y) | 3.84% | 11.42% | -7.58% | 36th below |
| Deposit Growth (Y/Y) | 16.85% | 11.29% | +5.56% | 80th top |
See Columbia Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Columbia Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Columbia Bank profile, how to read a UBPR, or how this data updates.