Columbia Bank: Bank Stress & Real-Estate Credit Exposure

At 82/100, Columbia Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #28834. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Read against its 12-county reach, a severe score sets the credit tone for every market on its map. The Columbia Bank score updates as fresh FDIC call reports post each quarter, so its 82/100 reading and 12-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Columbia Bank is directly comparable to any lender in the country. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Its lending reaches counties such as Bergen County, NJ, Morris County, NJ, Monmouth County, NJ, Middlesex County, NJ, each tied back to DLRadar's distress signals. What separates this from a plain credit rating is the geographic weighting — Columbia Bank's 82/100 reading reflects not just its balance sheet but the 12 counties it lends into, so the score doubles as a map of where its stress will land first. Columbia Bank is held under Columbia Bank Mhc, so its disclosures are public and its stress trajectory is externally verifiable. Columbia Bank runs a compact, single-state real-estate lending footprint — 12 U.S. counties across 1 state, spanning 443 ZIP codes. Its heaviest exposure sits in New Jersey (12 counties). DLRadar does not model Columbia Bank in isolation: the 443-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 12 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress.

For buyers, lender stress is an early map of supply: when Columbia Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.