# COLUMBIA BANK
FAIR LAWN, NJ · FDIC certificate 28834 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $12.17B | |
| Deposits | $9.58B | |
| Loans and leases | $8.49B | |
| Total equity | $1.14B | |
| Loans / deposits | 87.93% (p58 of band) | 85.78% |
| Liquid assets / assets | 22.59% (p49 of band) | |
| Uninsured deposits / deposits | 45.65% (p70 of band) | 38.39% |
| Brokered deposits | 0.37% | |
| Wholesale funding | 10.59% (p65 of band) | |
| FHLB advances / assets | 9.96% | |
| Tier 1 leverage | 9.75% (p38 of band) | 10.17% |
| Unrealized securities loss / equity | -10.84% (p33 of band) | -7.43% |
| AOCI / equity | 0.35% (p93 of band) | |
| ROA (annualized) | 0.52% (p11 of band) | 1.24% |
| Net interest margin | 2.39% (p13 of band) | 3.57% |
| Efficiency ratio | 65.80% (p85 of band) | |
| Noncurrent loans | 0.51% (p35 of band) | 0.66% |
| Net charge-offs (annualized) | 0.02% (p23 of band) | |
| Reserve coverage of noncurrent | 162.75% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 44.08% (p72 of band) | |
| Auto loans | $194,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p8 of band) | |
| Deposits YoY | 16.9% | |
| Employees | 799 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 6 | capital falling, losing money, expense ratio p90 |  |
| 2013-03 | 4 | assets shrinking | capital falling, losing money, expense ratio p90 |
| 2013-06 | 3 |  | assets shrinking |
| 2013-09 | 4 | capital falling |  |
| 2013-12 | 2 |  | loans exceed deposits, capital falling |
| 2014-03 | 3 | charge-offs p90 |  |
| 2014-06 | 3 | loans exceed deposits | wholesale funding >15% |
| 2014-09 | 4 | wholesale funding >15% |  |
| 2014-12 | 2 |  | reserve under noncurrent, charge-offs p90 |
| 2015-03 | 1 |  | wholesale funding >15% |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | wholesale funding >15%, capital falling |  |
| 2018-03 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2018-06 | 1 | loans exceed deposits | capital falling |
| 2018-09 | 2 | wholesale funding >15% |  |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 4 | deposits shrinking |  |
| 2019-06 | 2 |  | capital falling, deposits shrinking |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 0 |  | loans exceed deposits, wholesale funding >15%, capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2023-03 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2023-06 | 3 | NIM <2.5% | loans exceed deposits, wholesale funding >15% |
| 2023-09 | 4 | loans exceed deposits |  |
| 2023-12 | 4 | expense ratio p90 | loans exceed deposits |
| 2024-03 | 5 | losing money |  |
| 2024-06 | 4 | wholesale funding >15%, uninsured deposits leaving | uninsured deposits >50%, run vulnerability, losing money |
| 2024-09 | 3 |  | wholesale funding >15% |
| 2024-12 | 4 | losing money |  |
| 2025-03 | 3 |  | losing money |
| 2025-06 | 2 |  | uninsured deposits leaving |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 1 |  | expense ratio p90, capital falling |
| 2026-06 | 1 |  |  |

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

- 2026-07-21 [Columbia Bank completes Northfield merger, goes public - NJBIZ](https://news.google.com/rss/articles/CBMid0FVX3lxTFBkNEwxamVjZW5xNHNpa25tanh3RmJSM0c4NTNmWkNiUEc4dWNhM0Q3UWR3VDBKOEZCbEk1d2xSc0JuQmRobm9mVjFzTENKZ3pmWVRGRjdTNTZ3VTNfYUlrQWtqS3pjQ25Ec0hLa0RVUTZaeEx5eUxR?oc=5) · NJBIZ
- 2026-07-20 [Columbia Bank names Maichin to lead New York commercial banking - ROI-NJ](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNVWI2U3hmaWpvMklWWWxzMmc5ZUFCUm1RWGhBbUlWMUNvMUJMX3ZSMmZIVGd6NDNRenI3V21KdXo0Q0hqLVcwdGdGWms3VmVBM0NMYWcxLTItaVoxekNrZXR2SVBYVkJUUmZpY2YzQUZEU2E3Y2ZXa3JkVnZBaDU5eWZjbzJ2RC1YSWF0VkpNTU9PTlkwd05seVBRanNYY1JXSWJCQVJUWGVNQQ?oc=5) · ROI-NJ
- 2026-02-04 [NJ banks to merge in $597M deal - Banking Dive](https://news.google.com/rss/articles/CBMipAFBVV95cUxNQVY1RGVzdHNsakV6bjJ6NjBJakY0bW82VGxQdkN3bnVqT3M4T3E0RUhobmZTMFpqSnoxa1Z3N2pja2V0aHYxYmYxUjJpeG9PQWRmTGdwU2IyRzBMLWJKUHQ4TDhObnhQVkV2TE5BOWs5cVhWUWtPRzZZMXNmRXZTYXRVXzF4Vm1iS25kbHJqLWlvVnNIMUxsMTlrLXZ4dVFLQl85Ng?oc=5) · Banking Dive
- 2026-02-06 [Columbia Bank to acquire Northfield Bank in New Jersey - Financial Regulation News -](https://news.google.com/rss/articles/CBMijAFBVV95cUxNeXVmcUN2YjRhdFZGQzBQQ084Qi1fSHlNSXN2b0JxLUVSMFlQWFVhVW5KN2NKbFR2TE9PeG95RDd5VTBkZjRNdWNFak00ak93YllLUWhEbjIzWE5QbTRkTmtrUFo1NEVHaDRjNGpvMFcwdFhmb0dNR0xzazBYRkVhTjZpY0tiM3hPSFI5aQ?oc=5) · Financial Regulation News -
- 2026-02-04 [Columbia Bank inks $597m merger with Northfield Bank - FinTech Futures](https://news.google.com/rss/articles/CBMijwFBVV95cUxOUml3ZlhSaFFWa1g1RWEzNWFaWHdLRzZ3dGplSC16LVB4anJndDBEekJuNm9aNzdlbi1aODkxNGNtcTh6ZW9kanY1Zm9UdnJvRExhNktWNXdlTnFoanVSQmRJQkQyQUpVWW41NjU4NTE2dFc3MzZweWgxbkQ0WEZsbWdYeUktYk5nM2pSSnJNRQ?oc=5) · FinTech Futures
- 2026-08-14 [Columbia Bank (Fair Lawn, New Jersey) Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQdnZYbHo3R0M2aHB6S19SNzlBYWo3ZVpxN0p0anFJMmF5SHBVd2JNYm1UWExhOE5UUlhMWTZpTUpBUmJnQjVvNmk0V2xJMGlsVzhDczBrbzNFRllwRzNhdlpIcHdDV2JzTXRlTmJ3Z0VfMW1RdlBsS0xZaU9RTmV2R0RGZHA0U2dwVEE?oc=5) · reveliolabs.com
- 2026-06-23 [Columbia Financial Announces Strong Subscription Demand and Higher Purchase Limits in Second-Step Conversion Offering - Quiver Quantitative](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNckRkeWJ2Zy03R1V4SUJUcG5VaC0yWnhxTk5zNXY4Z1ZTa2VjRTlLT1J1ck9vVzJFT2pOak10NUQzWTQzTDFVeG1QRVdQR19uTDdsRkY3Vmt1TmlQdUtscVliZjZyVXh2Zjc4MTZzQTBMeVJwbC1DWXU2aTdjTUpsUGJleEg2eDBqcU52Ym1fX19zYkNuM1Q3R215ZHc3VVdmRGdPUUJTZFlVRldCd3FTNG5RTUVXMERNc3BYYlViU1RUOXNMbXpjekZtWHVwS1BmWF91N3F5akc5cURBdkRQd3VXcE4?oc=5) · Quiver Quantitative
- 2026-05-01 [Columbia Bank employees plant 33 trees across N.J. for 5th year - NJ.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQMWV0REtCY25SX2hGd2JvWV9NbWVXTUM4WTdpVDQwU1oxYWFPOGtNMGNONFZvN3ZmQ0drQ0JMSTNfb21iV0UyNEdvODAtb1VtM2xGZ0xtMlRZSjA0ckt4UzlyN1pmTi1PdlpJNkYwOGpGM0ZqcXh6WEY2aEpoZklCSE12d0pqQ3lNaGJ0QTBsOTV2Z1RCQWJ4T1FtdXd6dkhEVHZldA?oc=5) · NJ.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28834 (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/34.json (key "28834", 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