Columbia Bank (Fair Lawn, NJ): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
This quarter marks the 100-year anniversary of Columbia's 1926 charter. Columbia Bank is the primary bank subsidiary of its parent holding company, headquartered in Fair Lawn, NJ, anchoring the largest US banking market. The Q2 2026 balance sheet stands at $12.2B in assets, including $8.5B in loans. Returns are subdued: 0.53% ROA and 5.30% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 13.19% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 0.75% nonperforming loans and a 6.36% Texas Ratio. Columbia runs a 107-branch network across multiple states.
As of June 30, 2026, Columbia Bank reported a CET1 capital ratio of 13.19%, a return on assets of 0.53%, a nonperforming-loan ratio of 0.75%, a Texas ratio of 6.36%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 19-01 Route 208, Fair Lawn, NJ 07410
- County
- Bergen
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1926
- Former names
- Columbia Savings Bank (1995-2001); Columbia Savings Bank SLA (1989-1995)
- Offices
- 107 domestic
- Employees (FTE)
- 799
- Domestic deposits
- $9.58B
- Allowance for credit losses
- $71.1M
- Net charge-offs (YTD)
- $1.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28834
- Fed RSSD
- 174572
- SEC CIK
- 1723596 → filed by COLUMBIA FINANCIAL, INC.
- Website
- www.columbiabankonline.com →
- Parent Holding Company
- COLUMBIA FINANCIAL, INC. (RSSD 2571120)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kemly Thomas J. | CEO | President & CEO |
| Splaine Thomas Jr | CFO | EVP, CFO |
| Smith Matthew James | COO | SEVP & COO |
| Klimowich John | CRO | SEVP & Chief Risk Officer |
| Prabhu Manesh Balachandran | CIO | EVP & CIO |
| Rickert Matthew William | CCO | EVP & Chief Credit Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Columbia Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Columbia 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Columbia Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Columbia Bank: Uninsured deposits.
Banks merged into Columbia Bank
- Northfield Bank, effective July 21, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.19% | 0.53% | 0.75% | 6.36% | 2.42% |
| Q1 2026 | 13.38% | 0.53% | 0.72% | 6.16% | 2.37% |
| Q4 2025 | 13.20% | 0.57% | 0.53% | 4.21% | 2.37% |
| Q3 2025 | 13.02% | 0.53% | 0.47% | 3.83% | 2.32% |
| Q2 2025 | 13.53% | 0.46% | 0.57% | 4.52% | 2.19% |
| Q1 2025 | 13.51% | 0.34% | 0.38% | 3.18% | 2.08% |
| Q4 2024 | 13.56% | -0.71% | 0.32% | 2.68% | 2.05% |
| Q3 2024 | 13.61% | 0.21% | 0.40% | 3.50% | 1.89% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 70 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Columbia Bank (main office) | Fair Lawn , NJ | 07410 | $1.45B |
| Rahway Irving Branch | Rahway , NJ | 07065 | $259.9M |
| Midland Park Branch | Midland Park , NJ | 07432 | $254.9M |
| Broadway Branch | Fair Lawn , NJ | 07410 | $251.2M |
| Voorhees Branch | Voorhees , NJ | 08043 | $238.4M |
| Wayne Hills Branch | Wayne , NJ | 07470 | $236.6M |
| Maple Shade Branch | Maple Shade , NJ | 08052 | $231.9M |
| Pompton Plains Branch | Pompton Plains , NJ | 07444 | $222.0M |
| Colonia Branch | Colonia , NJ | 07067 | $210.9M |
| Hawthorne Branch | Hawthorne , NJ | 07506 | $210.1M |
| Route 17 Branch | Paramus , NJ | 07652 | $202.4M |
| Wyckoff Branch | Wyckoff , NJ | 07481 | $200.3M |
| Woodbridge Branch | Woodbridge , NJ | 07095 | $196.0M |
| Ridgewood Branch | Ridgewood , NJ | 07450 | $182.9M |
| Saddle River Road Branch | Fair Lawn , NJ | 07410 | $177.3M |
| Clark Branch | Clark , NJ | 07066 | $176.8M |
| West Milford Branch | West Milford , NJ | 07480 | $174.4M |
| Route 4 Branch | Paramus , NJ | 07652 | $169.0M |
| River Road Branch | Fair Lawn , NJ | 07410 | $160.0M |
| Franklin Lakes Branch | Franklin Lakes , NJ | 07417 | $154.4M |
| Deptford Branch | Deptford , NJ | 08096 | $149.5M |
| Washington Township Branch | Sewell , NJ | 08080 | $145.2M |
| Roselle Branch | Roselle , NJ | 07203 | $144.1M |
| West Main Street Branch | Freehold , NJ | 07728 | $140.7M |
| East Brunswick Branch | East Brunswick , NJ | 08816 | $140.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 21, 2026 | Structure Change | Acquired Northfield Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 20, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 2024 | Structure Change | Acquired Freehold Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 2, 2022 | Structure Change | Acquired Rsi Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2020 | Structure Change | Acquired Roselle Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2019 | Structure Change | Acquired Atlantic Stewardship Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 1981 | Structure Change | Acquired Stonewall S&LA of Linden NJ Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 1981 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Columbia Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.1% of deposits in NJ, rank 10 of 104 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,557 applications, 867 loans originated, $739.0M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Columbia Bank
What are Columbia Bank's total assets?
As of the Q2 2026 filing, Columbia Bank reported total assets of $12.17 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Columbia Bank headquartered?
Columbia Bank is headquartered in Fair Lawn, NJ, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Columbia Bank founded?
Columbia Bank was established in 1926, per the FDIC institution directory.
Is Columbia Bank FDIC-insured?
Yes. Columbia Bank is an FDIC-insured commercial bank (FDIC Certificate #28834). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Columbia Bank?
Columbia Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Columbia Bank's CET1 capital ratio?
Columbia Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Columbia Bank operate?
Columbia Bank operates 107 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Columbia Bank's Texas Ratio?
Columbia Bank's Texas Ratio is 6.36% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Columbia Bank previously called?
The charter now named Columbia Bank has also operated as Columbia Savings Bank (1995-2001), Columbia Savings Bank SLA (1989-1995), per FDIC structure-change records.
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