# COLUMBIA BANK
COLUMBIA, MD · FDIC certificate 27244 · asset band $1-10B · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.64B | |
| Deposits | $1.93B | |
| Loans and leases | $2.10B | |
| Total equity | $343.9M | |
| Loans / deposits | 107.65% (p91 of band) | 90.32% |
| Liquid assets / assets | 12.19% (p14 of band) | |
| Uninsured deposits / deposits | 23.07% (p39 of band) | 27.10% |
| Brokered deposits | 0.07% | |
| Wholesale funding | 12.47% (p69 of band) | |
| FHLB advances / assets | 8.51% | |
| Tier 1 leverage | 9.26% (p22 of band) | 10.33% |
| Unrealized securities loss / equity | 1.82% (p80 of band) | 0.55% |
| AOCI / equity | 1.22% (p38 of band) | |
| ROA (annualized) | 1.28% (p58 of band) | 1.18% |
| Net interest margin | 3.44% (p37 of band) | 3.62% |
| Efficiency ratio | 61.76% (p48 of band) | |
| Noncurrent loans | 1.32% (p86 of band) | 0.48% |
| Net charge-offs (annualized) | 0.07% (p71 of band) | |
| Reserve coverage of noncurrent | 82.54% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 32.23% (p38 of band) | |
| Auto loans | $14.6M (0.70% of loans; DQ 0.26%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 235 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | loans exceed deposits |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | reserve under noncurrent |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-22 [Columbia Financial announces second-step conversion and merger with Northfield Bancorp - ROI-NJ](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOaVNSY1g3MmY0RXl6cTQxZUl1dzF0cTdOc0hzbjZPbmtNX2VFbHRQdEVSVlpWTXZaM25aSTBSZmV0T2FnYVFzTEhTTmU0Z19zTmsybzkxMnhkTkxGVE92UDZjMzVWTTdSZl9BUTdXYW5nNlhBMF9zaS1pLUpuN0x1aV90V0JPekx3Z0dSZDNabGFSbDFBVUpYRVpnSjZBamhvOFpJOFFPWnVQQmJMZjkyaUhxMWhNZHBPaExTN0o3elMwVkpwdHpOZA?oc=5) · ROI-NJ
- 2026-07-20 [Columbia Financial Completes Conversion and $580 Million Merger with Northfield Bancorp - Quiver Quantitative](https://news.google.com/rss/articles/CBMivwFBVV95cUxQckIycnJFeVQwWnRzeFBQX3lXV2diSU1oLWg1RVJpZEwyamZxV1U5TFI3VTdQOTI3UHBuOXB0bXljZlQwYms3Q2FWY3lKbW1VM2l1YVB4Z3R4MFFMeFpBTkxOV01fbHJSVV9Pd3BlNkhuczVsajdaSEVhS0lpeFJ2M2phUDRrRTJkR0pmZ0lkRVlweG00alJXUlVrbEN2cmF2ckdBY0dQcUtmcTZheTNBRjhlUmk0eXlubmhDdXYtOA?oc=5) · Quiver Quantitative
- 2026-07-01 [Columbia Financial gets approvals, $1.1B stock sale total - Stock Titan](https://news.google.com/rss/articles/CBMitAFBVV95cUxPYzBTQ3YzV2UybnpzdzBCQWFhbjBybXUzVjNDNkU1ZjZURTdhZ1dmX0I0dUo1OXNZNi1hRGVXblNqbWFjbDl5a200ZUlfV2FFWWw1WkR5Nlpwa3dKSm1NWkxWQmo0Z01QRlkzVjdUaFNCUTFqVnJsWjFtUDljQUN4VlVaT2k3WXFpRUhKVGdjdmFtcUlwVHZHOWs2ODg4bDhRUnBoOHJtRl80R2lMMVg5WlV3Umk?oc=5) · Stock Titan
- 2018-08-02 [Reward offered in Columbia bank robbery - WBAL-TV](https://news.google.com/rss/articles/CBMihAFBVV95cUxQd2trNjFQcmNsQ21pSGN6bHFSWHhsUGFUQ0theGRQTjkzbHpYVDdIQ0hsc003a0dqME01cEJQY0RrVE5meFZWdUE0VUhYOEczSGY0V3hkOXlhcUQ3dWRJeW9RVExDRncwQjBnelV4YWtLdlVtMWZ2dVk1SzVrMm9maE1iUGM?oc=5) · WBAL-TV
- 2026-07-17 [Columbia Financial, Inc. Announces the Results of Its Offering; Final Merger Consideration; and Anticipated Closing Date - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2026-07-21 [Columbia Bank completes Northfield merger, goes public - NJBIZ](https://news.google.com/rss/articles/CBMid0FVX3lxTFBkNEwxamVjZW5xNHNpa25tanh3RmJSM0c4NTNmWkNiUEc4dWNhM0Q3UWR3VDBKOEZCbEk1d2xSc0JuQmRobm9mVjFzTENKZ3pmWVRGRjdTNTZ3VTNfYUlrQWtqS3pjQ25Ec0hLa0RVUTZaeEx5eUxR?oc=5) · NJBIZ
- 2025-11-21 [Regional banks accelerate Arizona expansion amid surge in merger activity - The Business Journals](https://news.google.com/rss/articles/CBMijgFBVV95cUxOV0JFT015Y0hNOUg1YVpJVnJpOWNzVjJ5dnRFNExoS3FFaVhSUmd6Y2NYWThTbGljb0FXVjRkQjlJYi01c3NNTlNPRXJ0UGxKZW9oMkZncjhXMFhFWW5SSkZxSmRZWnR2Q3ljazZnbkFhSmJaQ0ZyaHNBb2ktY1FoMEJOZ0ZILVYtWWphZG1B?oc=5) · The Business Journals
- 2026-07-07 [Columbia Financial turns $1.1 billion demand into a stock sale - Stock Titan](https://news.google.com/rss/articles/CBMitwFBVV95cUxNYXJYZHd6UG44RHl5N2hlV2xoVGNTSnpEYWVibjNZV081U3NMT18welNzREx1MjRLMHhiekd0RHFyY09CbDdWQzA2bmNQUklIMXl4cTlBRXdDVWlrT05tSXJXc3N3Q1Exb1pMWk50bUh6dW9GbEhtWTdTZmtZMDZobG82WWFwaXMyRmJJTFg5YXlxaHpacm1CN2FlS1lvODNLWE1WaElMQ1RlS0JmOEpmUFl5TGsyVHc?oc=5) · Stock Titan

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27244 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "27244", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide