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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New Jersey, the state note

Columbia Bank

Fair Lawn, New Jersey · $12.17B in assets · beside the 11 other the Mid-Atlantic banks over $10B (the state alone holds too few in the band to rank)

The filing

0.52%
ROA
10th of 10
9.4%
Equity / assets
9th of 10
48.2%
CRE / loans
10th of 12

Columbia Bank is the eleventh largest of the 12 the Mid-Atlantic banks nearest its size over $10B, with $12.17B in assets at 30 June 2026. Loans are 88.7% of deposits, 5th of 12 against a median of 92.1%, and equity is 9.4% of assets, 9th of 10. Loans grew +3.8% in the year, 8th of 12, and deposits grew 16.9%; the cohort's median loan growth is +4.8%.

Noncurrent loans are 0.51% of the book, 4th of 12 against a median of 0.66%; 0.33% is 30 to 89 days past due, and the allowance covers them 1.6 times. Commercial real estate is 48.2% of loans, 10th of 12 against a median of 32.9%, and 350% of capital, above the 300% screen, with construction at 43% against the 100% screen.

Return on assets is 0.52%, the lowest in the cohort against a median of 0.99%, on an efficiency ratio of 65.8%, 8th of 10. Five years ago it was 1.06%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 7.5% of loans).

Return on assetsMid-Atlantic banks over $10B · 30 June 2026 · higher is stronger, listed first
median 0.99% FC First Commonwealth Bank 1.40% NB Northwest Bank 1.32% CB Connectone Bank 1.23% NB NBT Bank National Association 1.21% DC Dime Commercial Bank 1.00% PB Popular Bank 0.98% SN Safra National Bank of New York 0.97% ID Israel Discount Bank of NY 0.75% DB Dollar Bank FSB 0.61% CB Columbia Bank 0.52%
Loans, year over yearMid-Atlantic banks over $10B · 30 June 2026 · no better direction, largest first
median +4.8% SN Safra National Bank of New York +24.8% NB Northwest Bank +16.6% BH Bank Hapoalim Bank M +16.4% Bo Bank of Baroda +14.5% CB Connectone Bank +6.3% DB Dollar Bank FSB +5.8% ID Israel Discount Bank of NY +3.9% CB Columbia Bank +3.8% PB Popular Bank +3.4% NB NBT Bank National Association +2.1% FC First Commonwealth Bank -1.1% DC Dime Commercial Bank -1.6%

SBA 7(a), FY2008 to FY2026

Columbia Bank is the 32nd largest 7(a) lender into New Jersey of 308, with $133M across 271 loans, 1.0% of everything approved in the state (TD Bank, National Association leads with $1.08B). 4 of its 22 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New Jersey, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Bergen, NJ$26M18th of 1611.5%+1.8 pts
Monmouth, NJ$16M16th of 1601.5%+3.0 pts
Passaic, NJ$15M11th of 1112.7%+2.4 pts
Middlesex, NJ$14M30th of 1501.1%+1.2 pts
Essex, NJ$10M27th of 1381.2%-2.1 pts
Morris, NJ$9M31st of 1261.0%-0.3 pts
Burlington, NJ$8M27th of 1261.0%thin
Hudson, NJ$7M26th of 1231.1%+2.8 pts
Ocean, NJ$6M31st of 1190.8%thin
Somerset, NJ$5M32nd of 1170.9%thin
Union, NJ$4M52nd of 1400.4%-1.2 pts
Mercer, NJ$4M41st of 1190.7%thin
Gloucester, NJ$2M40th of 990.5%thin
9 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services32$23M16.9%0.03%357th of 2,596
Other services27$16M11.8%0.05%272nd of 2,248
Retail trade30$14M10.5%0.02%391st of 2,589
Manufacturing17$14M10.2%0.03%379th of 2,246
Health care & social assistance50$11M8.4%0.02%356th of 2,172
7(a) lenders into New Jersey, share of approvals since FY2008308 lenders on record; the ten largest and Columbia Bank
TB TD Bank, National Association 8.2% $1.08B · 7,092 loans FB Fulton Bank, National Association 6.7% $893M · 1,041 loans LO Live Oak Banking Company 4.3% $576M · 466 loans PB Provident Bank 4.3% $570M · 827 loans WF Wells Fargo Bank National Associa… 2.8% $364M · 1,445 loans UB Unity Bank 2.4% $322M · 413 loans N Newbank 2.2% $297M · 490 loans WS Wilmington Savings Fund Society F… 2.2% $296M · 379 loans TB The Bank of Princeton 2.2% $296M · 411 loans JC JPMorgan Chase Bank, National Ass… 2.2% $288M · 1,832 loans CB Columbia Bank 1.0% $133M · 271 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Columbia BankRankCohort median
Total CRE against capital, the 300% screen350%8th of 10239%
Construction against capital, the 100% screen43%8th of 1037%
Construction and land development, share of loans5.9%7th of 125.6%
Non-owner-occupied nonfarm nonresidential, share of loans21.4%6th of 1020.2%
Total CRE, the guidance definition, share of loans48.2%10th of 1232.9%
CRE growth over 36 months, the third prong+18.2%5th of 11+25.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Northwest Bank$17.21B1.3%56.6%0.69%0.15%1.1%92.1%11.6%
Bank of Baroda$16.24Bno recordno record0.00%no recordno record104.7%no record
NBT Bank National Association$16.09B1.2%59.2%0.55%0.16%1.2%86.8%11.6%
Safra National Bank of New York$15.69B1.0%61.7%0.00%0.00%0.8%26.4%8.6%
Dime Commercial Bank$15.03B1.0%49.7%0.64%0.34%1.0%84.0%11.3%
Popular Bank$15.03B1.0%55.2%0.39%0.06%0.8%98.7%14.4%
Connectone Bank$14.40B1.2%46.1%0.68%0.47%1.2%100.6%12.3%
Israel Discount Bank of NY$14.39B0.8%67.1%1.18%0.16%0.9%80.9%10.2%
Dollar Bank FSB$12.70B0.6%72.8%0.72%0.08%1.0%99.0%10.3%
First Commonwealth Bank$12.18B1.4%53.6%0.89%0.41%1.3%92.0%12.5%
Columbia Bank$12.17B0.5%65.8%0.51%0.03%0.8%88.7%9.4%
Bank Hapoalim Bank M$11.04Bno recordno record1.92%no recordno record104.9%no record
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Columbia BankCohort median
20212026Change20212026Change
Loans$6.02B$8.49B+41%$6.95B$10.17B+46%
Deposits$7.15B$9.58B+34%$7.92B$11.86B+50%
NPA / loans0.07%0.51%+0.44 pts0.62%0.66%+0.04 pts
Efficiency52.1%65.8%+13.7 pts59.2%57.9%-1.3 pts
ROA1.06%0.52%-0.53 pts1.29%0.99%-0.30 pts

This read was prepared for Columbia Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Columbia Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Mid-Atlantic banks over $10B
Institution www.columbiabankonline.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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