Columbia Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Columbia Savings and Loan Association is an FDIC-insured savings and loan association headquartered in Milwaukee, WI, established in 1924 (FDIC certificate 28480), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $20.6M, down 13.2% from Q2 2025, the 152nd largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 7.62% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28480
- Headquarters
- Milwaukee, WI
- Established
- 1924
- Total assets, Q2 2026
- $20.6M
- Assets vs Q2 2025
- -13.2%
- CET1 ratio, Q2 2026
- 7.62%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 275071217
- Latest call report
- Q2 2026, FFIEC 051 · Columbia Savings and Loan Association call report
- Asset rank in state
- 152nd of 153 in Wisconsin
Problem loans are rising at Columbia Savings and Loan Association. Based in Milwaukee, Wisconsin, it had $21 million in assets at June 30, 2026, down 13.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 19.47% of loans from 7.10% a year earlier. It loses about $2.96 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 156 cents to bring in each dollar of revenue, about double the median of 69 cents for banks its size.
It lost $153,000 in the quarter. Over the same year, loans shrank 14.4% and deposits shrank 10.3%. Where it has less room is capital: it holds common equity equal to 7.62% of its risk-weighted assets, about a third the median of 22.08% for banks its size.
As of June 30, 2026, Columbia Savings and Loan Association reported a CET1 capital ratio of 7.62%, a return on assets of -2.96%, a nonperforming-loan ratio of 19.47% and a Texas ratio of 231.06%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Columbia Savings and Loan Association is the 152nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.0% to $20.6M, loans fell 5.1% and deposits fell 2.1%. 1-4 family residential loans made up 68.1% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 30.1%. Its one office in the FDIC Summary of Deposits is in Milwaukee, WI. Judged on its Q2 2026 call report, Columbia Savings and Loan Association meets the capital ratio tests for adequately capitalized, not well capitalized.
Headquarters Profile
- Address
- 2020 W Fond Du Lac Ave, Milwaukee, WI 53205
- County
- Milwaukee
- Metro Area
- Milwaukee-Waukesha, WI
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1924
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 4
- Domestic deposits
- $19.3M
- Allowance for credit losses
- $250K
- Net charge-offs (YTD)
- $5K
- Average total assets
- $20.7M
- Average total loans
- $16.6M
- Average interest-bearing deposits
- $19.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28480
- Fed RSSD
- 596277
- Website
- www.columbiasla.com →
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 Savings and Loan Association's total assets ran between $20.6M (Q2 2026) and $27.8M (Q3 2023), and it earned a profit in 3 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$20.6M total assets against $23.7M; $19.4M total liabilities against $21.7M.
$16.1M net loans and leases against $18.9M; $19.3M total deposits against $21.5M.
$41K securities against $10K; $2.2M cash and balances due against $2.7M.
$253K total interest income against $235K; $31K total interest expense against $32K.
$222K net interest income against $203K.
$1K total noninterest income against $22K; $348K total noninterest expense against $352K.
$0 provision for credit losses against $0.
-$153K net income against -$127K.
-2.96% return on assets against -2.13%; 5.10% net interest margin against 3.81%.
7.62% CET1 capital ratio; 5.46% tier 1 leverage ratio against 8.58%.
Inside the full Columbia Savings and Loan Association 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.
A Texas Ratio above 100% means non-performing assets exceed the bank's capital and reserves. Historically correlates with elevated failure risk per the 1980s Texas banking crisis from which the ratio was named. Analyst heuristic (Cassidy/RBC), not a supervisory threshold.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Columbia Savings and Loan Association rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -7.87% (Q4 2025) to 1.26% (Q4 2024) and its net interest margin ran from 3.81% (Q2 2025) to 5.90% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 7.62% | -2.96% | 19.47% | 231.06% | 5.10% |
| Q1 2026 | — | -3.77% | 14.43% | 161.85% | 4.21% |
| Q4 2025 | 8.78% | -7.87% | 18.84% | 199.07% | 4.57% |
| Q3 2025 | — | -1.45% | 8.60% | 75.40% | 5.05% |
| Q2 2025 | — | -2.13% | 7.10% | 60.85% | 3.81% |
| Q1 2025 | — | -0.10% | 6.37% | 52.72% | 5.90% |
| Q4 2024 | — | 1.26% | 12.91% | 107.11% | 5.29% |
| Q3 2024 | 11.51% | -1.22% | 14.11% | 123.06% | 4.71% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Savings and Loan Association (main office) | Milwaukee , WI | 53205 | $19.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC (former OTS))
- July 15, 2011, OCC (former OTS): Cease and Desist: Columbia Savings and Loan Association
- April 6, 2009, OCC (former OTS): Termination of Cease and Desist: Columbia Savings and Loan Association
- November 27, 2006, OCC (former OTS): Cease and Desist: Columbia Savings and Loan Association
- Period: Most recent institution action July 15, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WI, rank 181 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 Savings and Loan Association
What are Columbia Savings and Loan Association's total assets?
As of the Q2 2026 filing, Columbia Savings and Loan Association reported total assets of $20.6 million in its FFIEC call report.
Where is Columbia Savings and Loan Association headquartered?
It is headquartered in Milwaukee, WI, United States.
When was Columbia Savings and Loan Association founded?
It was established in 1924, per the FDIC institution directory.
Is Columbia Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #28480). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Columbia Savings and Loan Association?
Columbia Savings and Loan Association's primary federal regulator is the FDIC.
What is Columbia Savings and Loan Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 7.62% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Columbia Savings and Loan Association operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Columbia Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 231.06% in its Q2 2026 call report, elevated; historically a Texas Ratio above 100% correlates with elevated failure risk. The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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