Columbia Savings and Loan Association: how it compares with its peers
Against 130 U.S. banks with half to twice its assets, Columbia Savings and Loan Association's strongest measure in Q2 2026 is net interest margin (4.66% vs. a 3.85% peer median). Its weakest relative measure is efficiency ratio (176.02% vs. 78.07%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -3.27% | 0.95% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.66% | 3.85% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 176.02% | 78.07% | Bottom third Ahead of 6% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $4.2M | Middle third Ahead of 60% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.40% | 56.13% | Context |
What it means for lending operations
Its efficiency ratio of 176.02% is above the 78.07% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Farmers & Merchants Bank Duke, OK · $21M
- Hertford Savings Bank, SSB Hertford, NC · $21M
- Farmers State Bank of Medora Medora, IL · $20M
- National Advisors Trust Company Leawood, KS · $22M
Questions about Columbia Savings and Loan Association
How big is Columbia Savings and Loan Association?
Columbia Savings and Loan Association, established in 1924, is headquartered in Milwaukee, WI. It reported $21M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Columbia Savings and Loan Association's return on assets?
-3.27% annualized in Q2 2026, against a 0.95% median for 130 U.S. banks with half to twice its assets, ahead of 8% of them.
What is Columbia Savings and Loan Association's efficiency ratio?
176.02% in Q2 2026: it spent about 176 cents in noninterest expense for each dollar of revenue. The peer median is 78.07%, and lower is better.
Is Columbia Savings and Loan Association growing its loans?
Net loans shrank 14.9% over the year to Q2 2026, while deposits shrank 10.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.