Columbia Bank: how it compares with its peers
Against 163 U.S. banks with half to twice its assets, Columbia Bank's strongest measure in Q2 2026 is assets per employee ($15.2M vs. a $10.2M peer median). Its weakest relative measure is return on assets (0.52% vs. 1.29%).
| Measure | Columbia Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.52% | 1.29% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.39% | 3.64% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.80% | 55.14% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.2M | $10.2M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.93% | 86.81% | Context |
What it means for lending operations
Its efficiency ratio of 65.80% is above the 55.14% 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
- First Commonwealth Bank Indiana, PA · $12.18B
- Oriental Bank San Juan, PR · $12.04B
- Happen Bank, National Association Lehi, UT · $12.48B
- NBH Bank Greenwood Village, CO · $12.54B
- Farmers and Merchants Bank of Long Beach Long Beach, CA · $11.77B
- The Park National Bank Newark, OH · $12.61B
Questions about Columbia Bank
How big is Columbia Bank?
Columbia Bank, established in 1926, is headquartered in Fair Lawn, NJ. It reported $12.17B in total assets in its Q2 2026 FDIC call report and operates 107 offices.
What is Columbia Bank's return on assets?
0.52% annualized in Q2 2026, against a 1.29% median for 163 U.S. banks with half to twice its assets, ahead of 10% of them.
What is Columbia Bank's efficiency ratio?
65.80% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 55.14%, and lower is better.
Is Columbia Bank growing its loans?
Net loans grew 3.8% over the year to Q2 2026, while deposits grew 16.9%.
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 New Jersey bank ranked.