Columbia Bank (Fair Lawn, NJ)
Columbia Bank (Fair Lawn, NJ) reported total assets of $12.2 bn at Q2 2026, up 13.3% on a year earlier, the 144th largest of 497 banks in our US coverage. The CET1 capital ratio at Columbia Bank (Fair Lawn, NJ) was 13.19%, and the uninsured share of Columbia Bank (Fair Lawn, NJ) was 45.65%. Source: FDIC Call Reports.
Key takeaways
- Since , Columbia Bank (Fair Lawn, NJ) has taken over 5 institutions; the latest was Northfield Bank on (FDIC Call Reports).
- On uninsured share of domestic deposits, Columbia Bank (Fair Lawn, NJ) climbed from 218th to 127th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Columbia Bank (Fair Lawn, NJ) reports one of the lowest return on assets (ROA) readings among banks of $10 bn to $100 bn: 0.52% at , where the median of the 126 banks is 1.25% (FDIC Call Reports).
What sets Columbia Bank (Fair Lawn, NJ) apart
- The return on equity (ROE) of Columbia Bank (Fair Lawn, NJ), 5.31% at , places Columbia Bank (Fair Lawn, NJ) in the bottom tenth of banks of $10 bn to $100 bn (group median 10.71%).
- Among the 126 banks of $10 bn to $100 bn, few report a lower net interest margin than Columbia Bank (Fair Lawn, NJ), at 2.39% in ; the group median is 3.62%.
How large is Columbia Bank (Fair Lawn, NJ)?
The balance sheet of Columbia Bank (Fair Lawn, NJ) at : assets $12.2 bn, deposits $9.6 bn, net loans $8.4 bn (loans equal to 87.93% of deposits). Securities make up 13.6% of total assets at Columbia Bank (Fair Lawn, NJ). Since , when Columbia Bank (Fair Lawn, NJ) held $4.9 bn, its assets grew 150.1%. In the year to , deposits at Columbia Bank (Fair Lawn, NJ) rose 16.9% while its total assets rose 13.3%. At , Columbia Bank (Fair Lawn, NJ) employed 799 full-time equivalent staff across 69 offices, about $15.2 mn of assets per employee and $138.8 mn of deposits per office.
How much funding at Columbia Bank (Fair Lawn, NJ) is uninsured?
At Columbia Bank (Fair Lawn, NJ), uninsured deposits (above the FDIC limit) made up 45.65% of domestic deposits at (+8.71 pp on a year earlier); Columbia Bank (Fair Lawn, NJ) ranks 127th of 500 on this measure. In dollars, Columbia Bank (Fair Lawn, NJ) estimated $4.4 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $9.6 bn | +16.9% | 145th of 499 |
| Net loans and leases | $8.4 bn | +3.8% | 137th of 500 |
| Loan-to-deposit ratio | 87.93% | -11.06 pp | 236th of 500 |
| Tier 1 leverage ratio | 9.75% | -0.21 pp | 336th of 500 |
| Total risk-based capital ratio | 14.11% | -0.29 pp | 236th of 448 |
| Net interest margin | 2.39% | +0.19 pp | 465th of 500 |
| Return on assets (ROA) | 0.52% | +0.12 pp | 470th of 500 |
| Efficiency ratio | 65.80% | -6.88 pp | 399th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $31.3 mn | Narrowed by $2.6 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $86.7 mn | Narrowed by $7.1 mn | |
| Noncurrent loans to total loans | 0.51% | +0.01 pp | 207th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.03% | -0.07 pp | 164th of 500 (1 = lowest) |
US rank of Columbia Bank (Fair Lawn, NJ): 1 = highest unless marked 1 = lowest.
Balance sheet
Columbia Bank (Fair Lawn, NJ): assets, deposits and loans
- Total assets $12.2bn
- Deposits $9.6bn
- Net loans $8.4bn
Capital and securities
The CET1 ratio of Columbia Bank (Fair Lawn, NJ) stood at 13.19% in , -0.34 pp year on year. Low and high at Columbia Bank (Fair Lawn, NJ) since : 13.00% () to 18.27% (). Equity capital of Columbia Bank (Fair Lawn, NJ) at : $1.1 bn, or 9.4% of total assets. Columbia Bank (Fair Lawn, NJ) also reported a total capital ratio of 14.11% for , and a tier 1 leverage ratio of 9.75%.
On held-to-maturity securities, Columbia Bank (Fair Lawn, NJ) carried an unrealized loss of $31.3 mn at , equal to 2.7% of equity capital. The loss narrowed by $2.6 mn over the year. Its deepest point: $60.0 mn in . The available-for-sale portfolio of Columbia Bank (Fair Lawn, NJ) showed an unrealized loss of $86.7 mn at ; the loss narrowed by $7.1 mn over the year.
Columbia Bank (Fair Lawn, NJ): capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 9.7%
Columbia Bank (Fair Lawn, NJ): unrealized securities gains and losses
- Available for sale -$87mn
- Held to maturity -$31mn
Profitability and loan quality
For the year to , Columbia Bank (Fair Lawn, NJ) earned a return on equity of 5.31%; return on assets: 0.52%. Net interest margin at Columbia Bank (Fair Lawn, NJ): 2.39%, +0.19 pp in a year. Columbia Bank (Fair Lawn, NJ) net income: $29.7 mn, up 38.6% year on year. The efficiency ratio of Columbia Bank (Fair Lawn, NJ) was 65.80%: about 66 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 0.51% of total loans at Columbia Bank (Fair Lawn, NJ); net charge-offs: 0.03% of average loans. Gross loans and leases at Columbia Bank (Fair Lawn, NJ): $8.5 bn, up 3.8% in a year.
Columbia Bank (Fair Lawn, NJ): profitability
- Return on equity 5.3%
- Net interest margin 2.4%
- Return on assets 0.5%
Peer group of Columbia Bank (Fair Lawn, NJ)
The peer group of Columbia Bank (Fair Lawn, NJ) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Columbia Bank (Fair Lawn, NJ) (federal savings bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in New Jersey. Against them, Columbia Bank (Fair Lawn, NJ) shows CET1 ratio 13.19% against a peer median of 14.39%, return on equity 5.31% against a peer median of 13.63% and uninsured deposit share 45.65% against a peer median of 38.46%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| NBH Bank | State member bank | CO | $12.5 bn | 12.27% | 8.40% | 30.37% | |
| Happen Bank | National bank | UT | $12.5 bn | 15.57% | 15.94% | 11.97% | |
| First Commonwealth Bank | State nonmember bank | PA | $12.2 bn | 12.24% | 11.32% | 27.53% | |
| Columbia Bank | Federal savings bank | NJ | $12.2 bn | 13.19% | 5.31% | 45.65% | |
| Oriental Bank | State nonmember bank | PR | $12.0 bn | 13.22% | 16.60% | 52.02% | |
| Farmers and Merchants Bank of Long Beach | State member bank | CA | $11.8 bn | 18.25% | 7.10% | 54.45% | |
| Beal Bank USA | State nonmember bank | NV | $11.0 bn | 51.76% | 37.98% | 46.56% | |
. FDIC Call Reports.
Last eight quarters
Two years at Columbia Bank (Fair Lawn, NJ), to : assets +16.8%, deposits +22.5%, equity +14.1%. Staff 736 to 799; offices 66 to 69.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $10.4 bn | $10.5 bn | $10.6 bn | $10.7 bn | $10.9 bn | $11.0 bn | $11.0 bn | $12.2 bn |
| Total deposits | $7.8 bn | $8.1 bn | $8.3 bn | $8.2 bn | $8.3 bn | $8.5 bn | $8.5 bn | $9.6 bn |
| Bank equity capital | $998.3 mn | $1.0 bn | $1.1 bn | $1.1 bn | $1.1 bn | $1.1 bn | $1.1 bn | $1.1 bn |
| CET1 ratio | 13.61% | 13.56% | 13.51% | 13.53% | 13.02% | 13.20% | 13.38% | 13.19% |
| Return on equity (ROE) | 1.28% | -0.98% | 3.42% | 4.03% | 4.47% | 4.81% | 5.32% | 5.31% |
| Uninsured share of domestic deposits | 37.12% | 38.14% | 37.57% | 36.94% | 38.17% | 39.18% | 38.40% | 45.65% |
| Full-time equivalent employees | 736 | 733 | 738 | 760 | 795 | 770 | 785 | 799 |
| Number of offices | 66 | 68 | 69 | 69 | 69 | 70 | 69 | 69 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Columbia Bank (Fair Lawn, NJ), oldest first; figures before and after each event are not like for like.
- . Absorbed Atlantic Stewardship Bank (FDIC certificate 26390).
- . Absorbed Roselle Bank (FDIC certificate 28567).
- . Absorbed RSI BANK (FDIC certificate 12017).
- . Absorbed Freehold Bank (FDIC certificate 30519).
- . Absorbed Northfield Bank (FDIC certificate 28710).
Questions and identifiers
What were the total assets of Columbia Bank (Fair Lawn, NJ)?
Columbia Bank (Fair Lawn, NJ) reported $12.2 bn at in its Call Report. That makes Columbia Bank (Fair Lawn, NJ) the 144th largest of 497 banks in our US coverage.
Is Columbia Bank (Fair Lawn, NJ) the same as its holding company?
No. This page covers Columbia Bank (Fair Lawn, NJ), FDIC certificate 28834; COLUMBIA BANK MHC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Columbia Bank (Fair Lawn, NJ) profitable?
Columbia Bank (Fair Lawn, NJ) reported net income of $29.7 mn for the year to ; annualized return on equity: 5.31%. So yes: Columbia Bank (Fair Lawn, NJ) made a profit over these months.
When is data for Columbia Bank (Fair Lawn, NJ) next updated?
Figures from Columbia Bank (Fair Lawn, NJ) for are due after .
Where can I check the figures for Columbia Bank (Fair Lawn, NJ)?
In the FDIC BankFind Suite record for certificate 28834, and in the Call Reports of Columbia Bank (Fair Lawn, NJ) (RSSD ID 174572) at the FFIEC Central Data Repository.