BlastPoint's Banking Scorecard
Columbia Bank
Designations: ✓ Community bank
Fair Lawn, NJ
69 branches across NJ
Columbia Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 13.8% in tier
- - Liquidity Strain: Bottom 19.4% in tier
- - Return on Assets 0.75% below tier average
- - Net Interest Margin 1.34% below tier average
- - Efficiency Ratio 12.46% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$11.0B
+3.8% YoY
-0.1% QoQ
|
-$36.4B |
$47.4B
-2.0% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.0% YoY
|
Bottom 4.4% in tier |
| Total Loans ? |
$8.2B
+2.8% YoY
-0.4% QoQ
|
-$21.4B |
$29.6B
-0.4% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.7% YoY
|
Bottom 11.9% in tier |
| Total Deposits ? |
$8.5B
+2.4% YoY
-0.9% QoQ
|
-$30.3B |
$38.7B
-1.6% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.0% YoY
|
Bottom 2.2% in tier |
| Return on Assets ? |
0.54%
+56.7% YoY
+11.5% QoQ
|
-0.75% |
1.28%
+19.3% YoY
|
0.42%
-40.1% YoY
|
1.24%
+13.1% YoY
|
Bottom 4.4% in tier |
| Net Interest Margin ? |
2.43%
+13.3% YoY
+5.1% QoQ
|
-1.34% |
3.77%
+5.6% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.9% in tier |
| Efficiency Ratio ? |
66.36%
-10.0% YoY
-4.9% QoQ
|
+12.46% |
53.90%
-4.0% YoY
|
81.63%
+9.7% YoY
|
66.84%
-3.8% YoY
|
17% |
| Delinquency Rate ? |
0.52%
+65.0% YoY
+8.5% QoQ
|
-0.50% |
1.02%
-4.1% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
96.89%
+0.3% YoY
+0.4% QoQ
|
+16.00% |
80.88%
+2.0% YoY
|
82.02%
-3.5% YoY
|
76.69%
+0.9% YoY
|
Bottom 11.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.81%
+0.2% YoY
+0.2% QoQ
|
-1.02% |
19.82%
+0.3% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.1% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.44%
+76.8% YoY
+23.2% QoQ
|
-0.29% |
0.73%
+4.0% YoY
|
0.57%
-26.7% YoY
|
0.66%
+19.3% YoY
|
60% |
| Tier 1 Capital Ratio ? |
13.38%
-0.9% YoY
+1.4% QoQ
|
-2.18% |
15.56%
-0.1% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.06%
+0.6% YoY
-76.6% QoQ
|
-0.16% |
0.23%
+0.9% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.0% YoY
|
17% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.