Columbia Bank (FDIC #28834): Bank Stress & Real-Estate Credit Exposure

Columbia Bank (FDIC Cert #28834): bank stress 82/100, severe, STABLE over 7 days; parent COLUMBIA BANK MHC.

Columbia Bank (#28834) lends in 11 counties across 1 state; Columbia Bank (#28834) reaches 423 ZIP codes: New Jersey 11 counties, 423 ZIPs.

Columbia Bank (#28834) largest markets: Bergen County, NJ (1,386 branches, 66 ZIPs) (#28834), Morris County, NJ (290 branches, 58 ZIPs) (#28834), Monmouth County, NJ (260 branches, 52 ZIPs) (#28834), Middlesex County, NJ (396 branches, 44 ZIPs) (#28834), Burlington County, NJ (117 branches, 39 ZIPs) (#28834), Camden County, NJ (70 branches, 35 ZIPs) (#28834).

Columbia Bank (#28834) reports $12.17 billion in total assets; Columbia Bank (#28834) equity $1.14 billion (9.4% of Columbia Bank (#28834) assets); Columbia Bank (#28834) domestic deposits $9.58 billion; Columbia Bank (#28834) net income $29.7 million; Columbia Bank (#28834) return on assets 0.52%; Columbia Bank (#28834) return on equity 5.31%; Columbia Bank (#28834) net interest income $124.1 million; Columbia Bank (#28834) call report June 30, 2026.

Columbia Bank (#28834) noncurrent real-estate loans: none reported; Columbia Bank (#28834) residential 0.01%; Columbia Bank (#28834) net charge-offs on real estate 0.37%; Columbia Bank (#28834) multifamily charge-offs 0.66%; Columbia Bank (#28834) residential charge-offs 0.14%.

Columbia Bank (#28834) net interest margin 2.39% against an eight-quarter Columbia Bank (#28834) average of 2.19% (Columbia Bank (#28834) compression -0.20 points); Columbia Bank (#28834) real-estate loans 0.4% of equity; Columbia Bank (#28834) non-residential real estate 14.0% of equity; Columbia Bank (#28834) rate-exposure score 40/100, Columbia Bank (#28834) fixed-rate trap 40/100; Columbia Bank (#28834) risk type credit driven; Columbia Bank (#28834) rate regime rates elevated, Columbia Bank (#28834) snapshot October 19, 2026.

Columbia Bank (#28834) stress score moved from 77.6 on June 22, 2026 to 82.3 on October 19, 2026; Columbia Bank (#28834) ranged 77.6 to 82.3 over 116 snapshots.

Columbia Bank (#28834) alerts: 11 counties; top Columbia Bank (#28834) alert scores: Bernardsville County, NJ 27 (low); Middletown County, NJ 27 (low); Mount Laurel County, NJ 27 (low); Pompton Plains County, NJ 27 (low); Thorofare County, NJ 27 (low).