COLUMBIA BANK

FAIR LAWN, NJ · Supervised by OTS

Est. 1926FDIC #28,834

Satisfactory Down

Current rating · Exam: November 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.54%

Institution Profile

FDIC BankFind

Website

www.columbiabankonline.com

Address

19-01 Route 208, FAIR LAWN, NJ

County

Bergen County

Established

January 1, 1926

Total Assets

$11.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 16, 2009

Exam Type

Large Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$11.0B

Total Deposits

$8.5B

Net Loans

$8.2B

Net Income

$15M

ROA

0.54%

Below avg for Regional banks. Peer avg: 0.88%

ROE

5.32%

Risk-Based Capital

14.29%

Below avg for Regional banks. Regulatory min: 8%

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

ROA0.54%Peer avg: 0.88%▼ Below avg

Risk-Based Capital14.29%Peer avg: 30.04%▼ Below avg

Mortgage Denial Rate13.93%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$8.2B

1-Year Change

5-year net change: +7 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	2,118	54.39%	13.93%
2022	4,060	70.74%	7.76%
2021	4,056	72.76%	6.58%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Nov 2009	Satisfactory	Large Bank
Mar 2007	Outstanding	Large Bank
Jul 2004	Outstanding	Large Bank

5 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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