TellerScore

Headquartered in Milwaukee, Wisconsin, Columbia Savings and Loan Association is a savings association with $20.6M in total assets and $19.3M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1924.

Based on its Q2 2026 filing, Columbia Savings and Loan Association scores 13/100, which we describe as low. That is higher than only 0% of 546 banks with under $100 million in assets. Among 154 banks headquartered in Wisconsin, it ranks 154th. Its strongest component is funding & liquidity (77/100; 83% loans-to-deposits, 2% uninsured), and its lowest is problem-loan coverage (0/100; 231.1%).

TellerScore · Q2 2026

Scorecard

Capital cushion5/100
Tier 1 leverage ratio: 5.46%
Loan quality0/100
Noncurrent loans ÷ total loans: 19.47%
Earnings0/100
Return on assets (annualized): -3.27%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 83.4% · 1.7% uninsured
Problem-loan coverage0/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 231.06%

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

From Q2 2025 to Q2 2026, the score fell 9 points (22 → 13), mostly because the capital cushion component weakened by 31 points.

TellerScore
132027Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202425
Q3 202422
Q4 202427
Q1 202526
Q2 202522
Q3 202521
Q4 202516
Q1 202615
Q2 202613
Tier 1 leverage ratio
5.00%7.01%9.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.24%
Q3 20248.51%
Q4 20249.03%
Q1 20258.97%
Q2 20258.58%
Q3 20258.45%
Q4 20256.84%
Q1 20266.29%
Q2 20265.46%
Noncurrent loans
6.37%12.92%19.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20247.35%
Q3 202414.11%
Q4 202412.91%
Q1 20256.37%
Q2 20257.10%
Q3 20258.60%
Q4 202518.84%
Q1 202614.43%
Q2 202619.47%
Return on assets
-3.59%-1.77%0.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.04%
Q3 2024-0.35%
Q4 20240.04%
Q1 2025-0.10%
Q2 2025-1.11%
Q3 2025-1.21%
Q4 2025-2.74%
Q1 2026-3.59%
Q2 2026-3.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202613$20.6M5.46%19.47%-3.27%83.4%
Q1 202615$21.2M6.29%14.43%-3.59%86.1%
Q4 202516$21.6M6.84%18.84%-2.74%92.5%
Q3 202521$23.3M8.45%8.60%-1.21%88.0%
Q2 202522$23.7M8.58%7.10%-1.11%87.9%
Q1 202526$24.3M8.97%6.37%-0.10%87.9%
Q4 202427$24.1M9.03%12.91%0.04%89.2%
Q3 202422$23.7M8.51%14.11%-0.35%93.1%
Q2 202425$24.3M8.24%7.35%0.04%85.1%

546 peers · Under $100 million in assets

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).

Capital ratio5.46%
1st
Total risk-based capital8.87%
55th
Problem loans19.47%
0th
Net charge-offs0.06%
23rd
Return on assets-3.27%
3rd
Net interest margin4.66%
79th
Efficiency ratio176.0%
3rd
Loans to deposits83.4%
24th
Uninsured deposits1.7%
98th
Loan-loss reserves1.53%
70th
Texas ratio231.1%
0th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Thrivent Trust CompanyBank Appleton, WI93 out of 100, Very strong$15.5M82.7%0.00%vs
First National Bank in TigertonBank Tigerton, WI87 out of 100, Very strong$29.3M13.0%0.00%vs
Highland State BankBank Highland, WI65 out of 100, Moderate$44.9M12.0%2.31%vs
Park Bank, National AssociationBank Holmen, WI63 out of 100, Moderate$76.5M14.3%2.23%vs
Bank of OntarioBank Ontario, WI51 out of 100, Below average$79.0M13.9%8.53%vs
Hustisford State BankBank Hustisford, WI84 out of 100, Strong$80.3M15.2%0.22%vs

Deposit insurance

Is my money safe at Columbia Savings and Loan Association?

Yes. Columbia Savings and Loan Association is an FDIC-insured institution (FDIC certificate #28480). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 1.7% of deposits ($335K) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 5.46%, slightly above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 8.87% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Columbia Savings and Loan Association lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Columbia Savings and Loan Association
Type
Savings association
FDIC certificate #
28480
RSSD ID
596277
Primary regulator
FDIC
Established
January 1, 1924
Headquarters
2020 W Fond Du Lac Ave, Milwaukee, WI 53205
Employees
4

Quick answers

Columbia Savings and Loan Association: common questions

Is Columbia Savings and Loan Association FDIC insured?

Yes. Columbia Savings and Loan Association is an FDIC-insured institution (FDIC certificate #28480). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Columbia Savings and Loan Association's TellerScore?

13 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Columbia Savings and Loan Association ever failed?

There is no failure record for FDIC certificate #28480 in the FDIC failed bank list.

How many branches does Columbia Savings and Loan Association have?

1 office as of the latest FDIC data.

Nearby

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