Major Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 9.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.4 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Good asset quality (7.0). Weak liquidity 2.5, driven by a liquidity ratio of 11.4 percent and a “hot money” ratio of 21.1 percent.
Asset Mix:
Home mtgs (26%), comm re (21%), securities (14%), comm loans (5%), cash (3%), home eq lns (1%), other (29%)
States with Branches:
NJ, PA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Columbia Bank MHC
Investment Rating
--
Address
19-01 Route 208 North
Fair Lawn, NJ 07410
Fair Lawn, NJ 07410
Phone Number
(201) 794-5719
Year Founded
1927
FDIC Number
Largest Affiliates
No affiliate information available.