BlastPoint's Banking Scorecard

Columbia Bank

$10B-$250B Specialty: Commercial NJ FDIC cert 28834

Designations: ✓ Community bank

Fair Lawn, NJ

107 branches across NJ · NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 5 in NJ.
Deposits +16.9% year over year ($9.6B on the books).
Delinquency rate 0.52%.
Return on assets 0.52%.
Efficiency ratio 65.80% vs a 53.67% peer average.
Loan-to-deposit ratio 87.93% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 5 in NJ

View $10B-$250B leaderboard (NJ) →

Columbia Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

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 5.1% in tier
- Credit Quality Pressure: Bottom 17.9% in tier
- Return on Assets 0.87% below tier average
- Net Interest Margin 1.53% below tier average
- Efficiency Ratio 12.13% above tier average

Get updates when Columbia Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$12.2B +13.3% YoY +10.5% QoQ	-$31.4B	$43.6B -13.8% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	Bottom 10.1% in tier
Total Loans ?	$8.4B +3.8% YoY +2.8% QoQ	-$19.5B	$28.0B -8.6% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	15%
Total Deposits ?	$9.6B +16.9% YoY +13.3% QoQ	-$25.8B	$35.4B -14.0% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	Bottom 9.4% in tier
Return on Assets ?	0.52% +29.0% YoY -2.7% QoQ	-0.87%	1.39% +25.9% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	Bottom 5.8% in tier
Net Interest Margin ?	2.39% +8.8% YoY -1.4% QoQ	-1.53%	3.92% +8.9% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	Bottom 9.4% in tier
Efficiency Ratio ?	65.80% -9.5% YoY -0.9% QoQ	+12.13%	53.67% -1.9% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	16%
Delinquency Rate ?	0.52% +2.2% YoY +0.3% QoQ	-0.50%	1.01% -2.8% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	67%
Loan-to-Deposit Ratio ?	87.93% -11.2% YoY -9.2% QoQ	+5.32%	82.61% +3.1% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	40%
Non-Interest-Bearing Deposit Share ?	17.05% -7.0% YoY -9.4% QoQ	-3.54%	20.58% +4.9% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	29%
Nonperforming Asset Ratio ?	0.41% +6.3% YoY -7.0% QoQ	-0.32%	0.73% +5.8% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	63%
Tier 1 Capital Ratio ?	13.19% -2.5% YoY -1.4% QoQ	-2.16%	15.35% -0.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.14% -1.8% YoY +111.6% QoQ	-0.36%	0.50% +10.5% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	Bottom 13.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Noninterest-Bearing	17.0% -1.3pp YoY -1.8pp QoQ	-4.0pp	21.0%	16.6%	22.2%	26%
Brokered Deposits	0.5% -0.3pp YoY -0.1pp QoQ	-8.8pp	9.2%	10.1%	8.5%	15%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	8.0% -1.0pp YoY +0.7pp QoQ	-9.1pp	17.2%	6.5%	12.5%	13%
CRE	56.2% +1.8pp YoY +0.7pp QoQ	+14.1pp	42.0%	56.3%	41.4%	77%
1-4 Family	34.7% -2.7pp YoY -1.3pp QoQ	+11.6pp	23.1%	39.4%	31.3%	81%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-12.9pp	12.9%	4.3%	5.0%	6%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	13.2% -0.3pp YoY -0.2pp QoQ	-2.1pp	15.3%	18.8%	19.7%	58%
Leverage Ratio	9.7% -0.2pp YoY 0.0pp QoQ	-0.7pp	10.4%	13.4%	12.6%	37%
Total Capital Ratio	14.1% -0.3pp YoY -0.2pp QoQ	-2.4pp	16.5%	19.8%	20.8%	50%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	799 +39 (+5.1%) YoY +14 (+1.8%) QoQ	-2,459	3,258	336	482	16%
Assets per Employee ($)	$15.2M +7.8% YoY +8.6% QoQ	-$11.8M	$27.0M	$11.2M	$8.8M	62%
Branch Count	69 0 YoY 0 QoQ	-69	137	20	18	44%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.4%	0.1%	0.4%	n/a
Nonaccrual	0.5% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.7%	0.8%	1.0%	42%
Allowance Coverage	1.63x +3.9% YoY +0.2% QoQ	-1.18x	2.81x	6.57x	20.23x	45%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY +0.1pp QoQ	-0.4pp	0.4%	0.2%	0.2%	14%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	5.3% +1.3pp YoY 0.0pp QoQ	-7.3pp	12.6%	6.4%	11.6%	6%
Cost of Funds (YTD)	2.3% -0.3pp YoY -0.1pp QoQ	+0.3pp	2.0%	1.9%	1.7%	71%
Net Income ($, YTD)	$29.7M +38.6% YoY — QoQ	-$267.1M	$296.8M	$19.8M	$40.4M	1%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#4 of 59 • Bottom 5.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#13 of 67 • Bottom 17.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.52%

(Tier: 1.01%, National: 0.98%)

better than tier avg

67 of 67 Large banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

132

Return on Assets

profitability

Value: 0.52%

Peer Median: 1.39%

#132 of 139 Bottom 5.8% in $10B-$250B

127

Net Interest Margin

profitability

Value: 2.39%

Peer Median: 3.92%

#127 of 139 Bottom 9.4% in $10B-$250B

127

Total Deposits

size

Value: $9.58B

Peer Median: $35.42B

#127 of 139 Bottom 9.4% in $10B-$250B

126

Total Assets

size

Value: $12.17B

Peer Median: $43.60B

#126 of 139 Bottom 10.1% in $10B-$250B

121

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.50%

#121 of 139 Bottom 13.7% in $10B-$250B

119

Total Loans

size

Value: $8.42B

Peer Median: $27.97B

#119 of 139 Bottom 15.1% in $10B-$250B

118

Efficiency Ratio

profitability

Value: 65.80%

Peer Median: 53.67%

#118 of 139 Bottom 15.8% in $10B-$250B