Columbia Bank (FDIC certificate #28834) is based in Fair Lawn, New Jersey. Its Q2 2026 call report shows $12.2B in total assets and $9.6B in deposits and 107 offices across 2 states.
Columbia Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 132 banks with $10 billion – $100 billion. Among 50 banks headquartered in New Jersey, it ranks 38th. Problem-loan coverage contributes the most (92/100, 4.1%); funding & liquidity contributes the least (38/100, 88% loans-to-deposits, 46% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (58 → 58).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 56 |
| Q4 2024 | 55 |
| Q1 2025 | 59 |
| Q2 2025 | 58 |
| Q3 2025 | 58 |
| Q4 2025 | 58 |
| Q1 2026 | 58 |
| Q2 2026 | 58 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.42% |
| Q3 2024 | 9.62% |
| Q4 2024 | 9.64% |
| Q1 2025 | 9.88% |
| Q2 2025 | 9.95% |
| Q3 2025 | 9.67% |
| Q4 2025 | 9.67% |
| Q1 2026 | 9.78% |
| Q2 2026 | 9.75% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.33% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.29% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.50% |
| Q3 2025 | 0.41% |
| Q4 2025 | 0.47% |
| Q1 2026 | 0.51% |
| Q2 2026 | 0.51% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.12% |
| Q4 2024 | -0.09% |
| Q1 2025 | 0.34% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.45% |
| Q4 2025 | 0.48% |
| Q1 2026 | 0.54% |
| Q2 2026 | 0.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $12.2B | 9.75% | 0.51% | 0.52% | 87.9% |
| Q1 2026 | 58 | $11.0B | 9.78% | 0.51% | 0.54% | 96.9% |
| Q4 2025 | 58 | $11.0B | 9.67% | 0.47% | 0.48% | 96.5% |
| Q3 2025 | 58 | $10.9B | 9.67% | 0.41% | 0.45% | 98.5% |
| Q2 2025 | 58 | $10.7B | 9.95% | 0.50% | 0.40% | 99.0% |
| Q1 2025 | 59 | $10.6B | 9.88% | 0.31% | 0.34% | 96.6% |
| Q4 2024 | 55 | $10.5B | 9.64% | 0.29% | -0.09% | 96.5% |
| Q3 2024 | 56 | $10.4B | 9.62% | 0.38% | 0.12% | 98.0% |
| Q2 2024 | 55 | $10.5B | 9.42% | 0.33% | 0.07% | 99.1% |
132 peers · $10 billion – $100 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| ConnectOne BankBank Englewood Cliffs, NJ | 64 out of 100, Moderate | $14.4B | 10.8% | 0.68% | vs |
| OceanFirst Bank, National AssociationBank Toms River, NJ | 63 out of 100, Moderate | $23.2B | 12.6% | 0.66% | vs |
| Provident BankBank Jersey City, NJ | 63 out of 100, Moderate | $25.7B | 10.5% | 0.55% | vs |
| Valley National BankBank Passaic, NJ | 60 out of 100, Moderate | $66.2B | 10.3% | 0.91% | vs |
Deposit insurance
Is my money safe at Columbia Bank?
Yes. Columbia Bank is an FDIC-insured institution (FDIC certificate #28834). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 45.7% of deposits ($4.4B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.75%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.11% (benchmark: 10%).
107 locations
Branches
Columbia Bank lists 106 offices in 71 cities across 2 states. Most locations:
- Staten Island, NY (12)
- Brooklyn, NY (8)
- Fair Lawn, NJ (5)
- Rahway, NJ (3)
- Colonia, NJ (2)
- East Brunswick, NJ (2)
- Edison, NJ (2)
- Freehold, NJ (2)
- Linden, NJ (2)
- Newark, NJ (2)
- Paramus, NJ (2)
- Pennington, NJ (2)
HMDA 2025
Mortgage lending
In 2025, Columbia Bank reported 1,472 home-loan applications under HMDA (LEI 5493005LKFCLR81TSN28): 867 originated ($739,015,000 total), 298 denied, and 225 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Columbia Bank
- Former names
- Columbia Savings and Loan Association; Columbia Savings Bank SLA; Columbia Savings Bank
- Type
- Savings bank
- FDIC certificate #
- 28834
- RSSD ID
- 174572
- Primary regulator
- OCC
- Holding company
- Columbia Bank Mhc
- Established
- January 1, 1926
- Headquarters
- 19-01 Route 208, Fair Lawn, NJ 07410
- Website
- www.columbiabankonline.com
- Employees
- 799
Quick answers
Columbia Bank: common questions
Is Columbia Bank FDIC insured?
Yes. Columbia Bank is an FDIC-insured institution (FDIC certificate #28834). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Columbia Bank's TellerScore?
58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Columbia Bank ever failed?
There is no failure record for FDIC certificate #28834 in the FDIC failed bank list.
How many branches does Columbia Bank have?
107 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Fair Lawn
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |