Columbia Bank
Fair Lawn, New Jersey, Bergen County
$12.2B in total assets, the 149th largest of 4,309 US banks and 5th of 50 headquartered in New Jersey.
- FDIC certificate
- 28834
- Established
- 1926
- Owned by
- Columbia Bank Mhc
- Primary regulator
- OCC
- Website
- www.columbiabankonline.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $12.2B | 12% | $22.5B | |
| Loans | $8.5B | 16% | $14.5B | |
| Deposits | $9.6B | 11% | $18.4B | |
| Return on assets | 0.54% | 6% | 1.30% | |
| Net interest margin | 2.39% | 8% | 3.62% | |
| Efficiency ratio | 65.8% | 84% | 55.1% | |
| Equity to assets | 9.37% | 19% | 11.60% | |
| Loans to deposits | 89% | 56% | 87% |
Growth
Total assets grew 6.1% a year over the last 5 years and 9.4% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2024 | Freehold Bank Freehold, NJ, an affiliate under the same holding company | $265M |
| May 2022 | RSI BANK Rahway, NJ | $621M |
| Apr 2020 | Roselle Bank Roselle, NJ | $422M |
| Nov 2019 | Atlantic Stewardship Bank Midland Park, NJ | $957M |
| May 1981 | Stonewall Savings and Loan Association of Linden New Jersey Linden, NJ | n/a |
Where they operate
70 branches in 11 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Bergen County, NJ | $4.0B | 5.8% | 7 of 45 |
| Middlesex County, NJ | $1.1B | 1.9% | 11 of 41 |
| Passaic County, NJ | $942M | 3.5% | 7 of 19 |
| Union County, NJ | $829M | 3.3% | 10 of 30 |
| Monmouth County, NJ | $534M | 1.7% | 13 of 23 |
| Morris County, NJ | $516M | 1.8% | 12 of 28 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 26 branches since 2016 (44 to 70, +59.1%). 16 opened, 18 acquired, 8 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 44 | |||
| 2016 | Opened Oradell and Wayne | 2 | 0 | +2 | 46 |
| 2017 | Opened Franklin Lakes and Livingston | 2 | 0 | +2 | 48 |
| 2018 | Opened Westfield | 1 | 0 | +1 | 49 |
| 2019 | Acquired Atlantic Stewardship BankOpened 4 in New Jersey, closed Sicklerville | 12 | 1 | +11 | 60 |
| 2020 | Acquired Roselle BankClosed 3 in New Jersey | 4 | 3 | +1 | 61 |
| 2021 | Opened Newark | 1 | 0 | +1 | 62 |
| 2022 | Acquired RSI BANKOpened Bergenfield and Teaneck, closed 3 in New Jersey | 6 | 3 | +3 | 65 |
| 2024 | Acquired Freehold BankOpened Camden | 3 | 0 | +3 | 68 |
| 2025 | Opened 3 in New Jersey | 3 | 0 | +3 | 71 |
| 2026 through Q2 | Closed High Bridge | 0 | 1 | −1 | 70 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 34% | 21% | |
| Commercial real estate | 29% | 25% | |
| Multifamily | 21% | 8% | |
| Business (C&I) | 8% | 17% | |
| Construction and land | 6% | 6% | |
| Consumer | 0% | 10% | |
| Other | 2% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 51% | 62% | |
| Time deposits | 32% | 18% | |
| Noninterest-bearing | 17% | 20% |
Brokered deposits are 0.5% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.51% | 0.63% |
| Net charge-offs, annualized | 0.03% | 0.14% |
| Reserves to loans | 0.84% | 1.15% |
| Leverage ratio | 9.75% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in New Jersey
Largest competitors in Bergen County, NJ
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/columbia-bank-fair-lawn-nj