Columbia Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 9.03 percentage points in Q2 2026, from 97.70% to 88.67%. It was the largest change from Q1 2026 among the key lines here. Within New Jersey, Columbia Bank is 29th of 49 on return on assets, 0.53% as of Q2 2026, below the middle of the field. Columbia Bank's return on assets of 0.53% is well below the 1.30% median for banks in the $10B-100B asset tier, a gap of 0.77 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.19% |
| Tier 1 risk-based capital ratio | 13.19% |
| Total risk-based capital ratio | 14.11% |
| Tier 1 leverage ratio | 9.75% |
| Equity capital to assets | 9.37% |
| Tangible equity to tangible assets | 8.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.75% |
| Non-performing assets ratio | 0.57% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 6.36% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | 111.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.53% |
| Return on equity | 5.30% |
| Net interest margin | 2.42% |
| Efficiency ratio | 65.27% |
| Yield on earning assets | 4.70% |
| Cost of funds | 2.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.67% |
| Core deposits to total deposits | 90.53% |
| Brokered deposits to total deposits | 0.46% |
| Deposits to assets | 78.73% |
| Securities to assets | 13.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.06% | 13.06% | 13.86% | 9.67% | 0.37% |
| Q4 2023 | 13.22% | 13.22% | 14.02% | 9.48% | 0.23% |
| Q1 2024 | 13.44% | 13.44% | 14.25% | 9.49% | -0.05% |
| Q2 2024 | 13.50% | 13.50% | 14.32% | 9.42% | 0.19% |
| Q3 2024 | 13.61% | 13.61% | 14.44% | 9.62% | 0.21% |
| Q4 2024 | 13.56% | 13.56% | 14.41% | 9.64% | -0.71% |
| Q1 2025 | 13.51% | 13.51% | 14.37% | 9.88% | 0.34% |
| Q2 2025 | 13.53% | 13.53% | 14.40% | 9.95% | 0.46% |
| Q3 2025 | 13.02% | 13.02% | 13.89% | 9.67% | 0.53% |
| Q4 2025 | 13.20% | 13.20% | 14.09% | 9.67% | 0.57% |
| Q1 2026 | 13.38% | 13.38% | 14.29% | 9.78% | 0.53% |
| Q2 2026 | 13.19% | 13.19% | 14.11% | 9.75% | 0.53% |
Columbia Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Columbia Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)