BlastPoint's Banking Scorecard
Columbia Bank
Mid-Market
Specialty: Commercial
NJ
FDIC cert 28834
Designations: ✓ Community bank
Fair Lawn, NJ
201
banks in Mid-Market tier nationally
7 in NJ
View Mid-Market leaderboard (NJ) →
Columbia Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 27% in Mid-Market
- - Liquidity Strain: Bottom 37% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$11.0B
+5.2% YoY
+1.5% QoQ
|
+$561.8M |
$10.5B
+2.9% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$8.2B
+4.6% YoY
+0.2% QoQ
|
+$1.1B |
$7.1B
+4.5% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$8.5B
+4.6% YoY
+2.3% QoQ
|
-$12.7M |
$8.5B
+3.0% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
0.48%
+611.8% YoY
+7.5% QoQ
|
-0.68% |
1.16%
+9.4% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
2.31%
+20.7% YoY
+2.1% QoQ
|
-1.09% |
3.40%
+7.9% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
69.77%
-17.8% YoY
-1.2% QoQ
|
+13.17% |
56.60%
-3.2% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
0.48%
+61.0% YoY
+15.4% QoQ
|
-0.21% |
0.68%
+12.0% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
96.46%
+0.0% YoY
-2.1% QoQ
|
+10.99% |
85.47%
+1.1% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
18.77%
+2.5% YoY
-1.1% QoQ
|
-1.87% |
20.64%
-0.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.36%
+51.5% YoY
+14.0% QoQ
|
-0.14% |
0.50%
+7.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
13.20%
-2.7% YoY
+1.4% QoQ
|
-0.35% |
13.55%
+1.8% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.28%
+10.8% YoY
+33.1% QoQ
|
-0.68% |
0.96%
+7.1% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#24 of 87 · Bottom 27% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#30 of 80 · Bottom 37% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.46%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
74
74th pctile
Total Loans
Current: $8.2B · Tier avg: $7.1B
70
70th pctile
Total Assets
Current: $11.0B · Tier avg: $10.5B
68
68th pctile
Total Deposits
Current: $8.5B · Tier avg: $8.5B
59
59th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.68%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
56
56th pctile
Tier 1 Capital Ratio
Current: 13.20% · Tier avg: 13.55%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.77% · Tier avg: 20.64%
19
19th pctile
Loan-to-Deposit Ratio
Current: 96.46% · Tier avg: 85.47%
17
17th pctile
Efficiency Ratio
Current: 69.77% · Tier avg: 56.60%
14
14th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.96%
12
12th pctile
Return on Assets
Current: 0.48% · Tier avg: 1.16%
12
12th pctile
Net Interest Margin
Current: 2.31% · Tier avg: 3.40%
Top Weaknesses
12
12th pctile
Net Interest Margin
Current: 2.31% · Tier avg: 3.40%
12
12th pctile
Return on Assets
Current: 0.48% · Tier avg: 1.16%
14
14th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.96%
17
17th pctile
Efficiency Ratio
Current: 69.77% · Tier avg: 56.60%
19
19th pctile
Loan-to-Deposit Ratio
Current: 96.46% · Tier avg: 85.47%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.77% · Tier avg: 20.64%
56
56th pctile
Tier 1 Capital Ratio
Current: 13.20% · Tier avg: 13.55%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
59
59th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.68%
68
68th pctile
Total Deposits
Current: $8.5B · Tier avg: $8.5B
70
70th pctile
Total Assets
Current: $11.0B · Tier avg: $10.5B
74
74th pctile
Total Loans
Current: $8.2B · Tier avg: $7.1B