Columbia Bank Mortgage Rates, Fees & Info

Fair Lawn, NJ

LEI: 5493005LKFCLR81TSN28

Tax ID: 22-0900560

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Columbia Bank is a small bank specializing in Refi loans. Columbia Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: New York, Philadelphia, Ocean City, Trenton, and Poughkeepsie among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Columbia Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Columbia Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 3.56% 11/21/24
    30 Year Conventional Purchase 5.59% 11/21/24
    30 Year Conventional Refi 4.46% 11/21/24
    30 Year Cash-out Refi 5.40% 11/21/24
    30 Year FHA Purchase 7.04% 11/21/24
    15 Year Conventional Purchase 5.68% 11/21/24
    15 Year Conventional Refi 5.52% 11/21/24
    15 Year Cash-out Refi 5.52% 11/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Columbia Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Columbia Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,951

    Origination Dollar Volume (All Markets)

    $1,408,865,000

    Employee count

    668 Show all (7) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2,456 $1,157,550,000 $471,315 $2,576 2.80%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 386 $185,210,000 $479,819 $2,457 2.84%
    OCEAN CITY, NJ (FHA|USDA|VA) 39 $20,005,000 $512,949 $3,922 2.80%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 33 $19,245,000 $583,182 $3,263 2.80%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $10,430,000 $5,215,000 $3,509 3.38%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 20 $6,670,000 $333,500 $2,498 2.77%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $5,505,000 $5,505,000 $0 2.99%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 9 $1,695,000 $188,333 $1,330 3.05%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $1,145,000 $1,145,000 $5,834 2.25%
    Key West, FL (FHA|USDA|VA) 1 $805,000 $805,000 $7,870 2.88%
    Outside of Metro Areas 1 $305,000 $305,000 $4,573 2.75%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $165,000 $165,000 $3,469 2.50%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $135,000 $135,000 $2,830 3.38%
    Columbia Bank's top markets include New York, Philadelphia, Ocean City, Trenton, and Poughkeepsie among others.

    Their top states include:
  • New Jersey (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Connecticut (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Columbia Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    N C P D Federal Credit Union
    Similarity Rank: 102
    Schuyler Savings Bank
    Similarity Rank: 352
    Louviers Federal Credit Union
    Similarity Rank: 410
    BHCU
    Similarity Rank: 504
    ATLANTIS MORTGAGE CO., INC.
    Similarity Rank: 652
    The First National Bank of Long Island
    Similarity Rank: 748
    The Atlantic Federal Credit Union
    Similarity Rank: 882
    GARDEN SAVINGS FEDERAL CREDIT UNION
    Similarity Rank: 1064
    U S WIDE FINANCIAL LLC
    Similarity Rank: 1092
    Poli Mortgage Group, Inc.
    Similarity Rank: 1369

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,614 $1,354,730,000 $518,259 $2,576 2.77%
    HELOC 333 $52,265,000 $156,952 n/a 3.05%
    FHA 4 $1,870,000 $467,500 $12,544 3.09%

    For 2021, Columbia Bank's most frequently originated type of loan was Conventional, with 2,614 originations. Their 2nd most popular type was HELOC, with 333 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,560 $794,710,000 $509,429 $2,013 2.69%
    Cash Out Refi 433 $160,955,000 $371,721 $2,323 2.89%
    Home Purchase 423 $249,055,000 $588,783 $4,482 2.73%
    Home Improvement 339 $177,795,000 $524,469 $3,357 3.05%
    Other 196 $26,350,000 $134,439 $0 3.22%

    For 2021, Columbia Bank's most frequently cited loan purpose was Refi, with 1,560 originations. The 2nd most popular reason was Cash Out Refi, with 433 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,529 $581,705,000 $380,448 $3,185 2.84%
    15 Year 535 $155,505,000 $290,664 $1,971 2.52%
    20 Year 366 $108,820,000 $297,322 $1,951 2.85%
    10 Year 305 $297,875,000 $976,639 $1,161 2.81%
    Other 139 $182,545,000 $1,313,273 $2,228 3.12%
    30+ year 39 $30,155,000 $773,205 $5,959 3.09%
    5 Year 37 $32,895,000 $889,054 $35 3.14%
    3 Year 1 $19,365,000 $19,365,000 $0 3.25%

    For 2021, Columbia Bank's most frequently cited loan duration was 30 Year, with 1,529 originations. The 2nd most popular length was 15 Year, with 535 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,104 $712,150,000 $338,474
    $1k-2k 241 $172,425,000 $715,456
    $5k+ 5 $4,005,000 $801,000
    $3k-4k 3 $1,645,000 $548,333
    $2k-3k 2 $1,070,000 $535,000

    Columbia Bank's average total fees were $3,185, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,104 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,724 $794,970,000 $461,119
    <2.5% 679 $198,815,000 $292,806
    3-4% 505 $392,015,000 $776,267
    4-5% 41 $20,775,000 $506,707
    5-6% 2 $2,290,000 $1,145,000

    During 2021, Columbia Bank's average interest rate for loans was 2.84%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,724 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,065 $304,665,000 $286,070 $2,006 2.75%
    $100k-200k 651 $96,605,000 $148,395 $1,013 2.70%
    $400k-600k 457 $224,295,000 $490,799 $3,505 2.84%
    $600k-1MM 367 $278,015,000 $757,534 $5,072 2.76%
    $100,000 or less 285 $16,365,000 $57,421 $984 3.08%
    $1MM+ 126 $488,920,000 $3,880,317 $6,619 3.16%

    2021 saw Columbia Bank place emphasis on $200k-400k loans with 1,065 originations, totaling $304,665,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 793 $292,015,000 $368,241 $2,892 2.82%
    $250k+ 616 $352,710,000 $572,581 $4,268 2.78%
    $100k-150k 609 $161,805,000 $265,690 $1,975 2.87%
    $75k-100k 419 $85,345,000 $203,687 $1,622 2.82%
    $50k-75k 292 $50,200,000 $171,918 $1,346 2.53%
    $50k or less 78 $9,620,000 $123,333 $1,237 2.54%

    Columbia Bank lent most frequently to those with incomes in the $150k-250k range, with 793 originations. The second most popular income band? $250k+, with 616 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 861 $304,675,000 $353,862 $2,765 2.77%
    30-36% 624 $218,890,000 $350,785 $2,545 2.79%
    <20% 343 $137,445,000 $400,714 $3,000 2.71%
    42% 158 $35,660,000 $225,696 $2,182 2.96%
    39% 110 $33,180,000 $301,636 $2,175 2.79%
    41% 106 $30,400,000 $286,792 $2,502 2.92%
    38% 101 $31,575,000 $312,624 $2,409 2.68%
    40% 83 $26,475,000 $318,976 $2,841 2.83%
    37% 79 $24,985,000 $316,266 $2,485 2.88%
    36% 73 $22,855,000 $313,082 $2,223 2.86%
    43% 64 $21,050,000 $328,906 $2,294 2.70%
    44% 59 $17,725,000 $300,424 $2,410 2.66%
    45% 45 $15,915,000 $353,667 $2,276 2.67%
    46% 39 $13,685,000 $350,897 $1,980 2.77%
    47% 34 $10,410,000 $306,176 $2,251 2.61%
    48% 32 $10,620,000 $331,875 $1,953 2.54%
    49% 20 $5,560,000 $278,000 $1,486 2.61%
    >60% 7 $1,755,000 $250,714 $2,068 3.07%
    50-60% 6 $1,130,000 $188,333 $1,230 2.77%

    Columbia Bank lent most frequently to those with DTI ratios of 20-30%, with 861 originations. The next most common DTI ratio? 30-36%, with 624 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,151 $707,175,000 $328,766 $2,514 2.81%
    Not applicable 105 $447,275,000 $4,259,762 $7,802 3.45%
    Not provided 398 $139,700,000 $351,005 $2,716 2.71%
    Asian 164 $70,850,000 $432,012 $3,218 2.67%
    Asian Indian 51 $22,645,000 $444,020 $3,173 2.70%
    Black 58 $13,430,000 $231,552 $1,998 2.44%
    Other Asian 7 $2,625,000 $375,000 $2,020 2.55%
    Korean 3 $2,125,000 $708,333 $3,744 2.50%
    Chinese 4 $820,000 $205,000 $1,873 2.40%
    Filipino 4 $800,000 $200,000 $2,897 2.90%
    American Indian 3 $565,000 $188,333 $2,635 2.13%
    2 $550,000 $275,000 $1,763 2.69%
    Japanese 1 $305,000 $305,000 $2,950 2.75%

    Approval Rates

    Total approvals of all applications
    93.53%

    Columbia Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    76.86%

    Columbia Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    2062.5 1 $415,000 $415,000
    NA 2,950 $1,408,450,000 $477,441

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,951 $1,408,865,000 $477,420

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 522 $126,890,000 $243,084 $1,529 2.72%
    40-60% 747 $331,965,000 $444,398 $2,073 2.70%
    60-80% 1,091 $746,135,000 $683,900 $3,171 2.83%
    80-100% 262 $162,760,000 $621,221 $3,675 2.74%
    Over 100% 5 $8,165,000 $1,633,000 $7,977 3.50%
    Under 20% 324 $32,950,000 $101,698 $726 3.15%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    COLUMBIA BANKING SYSTEM, INC. Conventional home mortgage Trouble during payment process 1 50.0%
    COLUMBIA BANKING SYSTEM, INC. Other type of mortgage Trouble during payment process 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Columbia Bank 102 Route 4 East Paramus, NJ 7652 Full Service B&M $171,515
    Columbia Bank 1027 Pompton Avenue Cedar Grove, NJ 7009 Full Service B&M $100,756
    Columbia Bank 1100 Raritan Road Clark, NJ 7066 Full Service B&M $158,228
    Columbia Bank 1127 Route 35 Middletown, NJ 7748 Full Service B&M $92,685
    Columbia Bank 1154 Highway 34 Aberdeen, NJ 7747 Full Service B&M $86,561
    Columbia Bank 118 W Main St High Bridge, NJ 8829 Full Service B&M $54,997
    Columbia Bank 122 Berdan Avenue Wayne, NJ 7470 Full Service B&M $236,988
    Columbia Bank 133 Route 70 Medford, NJ 8055 Full Service B&M $65,067
    Columbia Bank 133 Us Highway 9 Englishtown, NJ 7726 Full Service B&M $124,111
    Columbia Bank 14 Morristown Rd Bernardsville, NJ 7924 Full Service B&M $67,550
    Columbia Bank 14-01 River Road Fair Lawn, NJ 7410 Full Service B&M $173,436
    Columbia Bank 1460 Clements Bridge Road Deptford, NJ 8096 Full Service B&M $143,071
    Columbia Bank 1501 Union Valley Road West Milford, NJ 7480 Full Service B&M $149,071
    Columbia Bank 1504 Route 23 North Wayne, NJ 7470 Full Service B&M $76,915
    Columbia Bank 161 E. Main Street Ramsey, NJ 7446 Full Service B&M $52,956
    Columbia Bank 19-01 Route 208 Fair Lawn, NJ 7410 Full Service B&M $298,063
    Columbia Bank 2 Changebridge Road Montville, NJ 7045 Full Service B&M $74,010
    Columbia Bank 204 Grove Avenue West Deptford, NJ 8086 Full Service B&M $86,953
    Columbia Bank 235 Chestnut St Roselle, NJ 7203 Full Service B&M $123,254
    Columbia Bank 24-02 Fair Lawn Avenue Suite A Fair Lawn, NJ 7410 Full Service B&M $139,633
    Columbia Bank 245 Talmadge Road Edison, NJ 8817 Full Service B&M $81,126
    Columbia Bank 249 Newark-Pompton Turnpike Pequannock, NJ 7440 Full Service B&M $82,544
    Columbia Bank 25-00 Broadway Fair Lawn, NJ 7410 Full Service B&M $210,880
    Columbia Bank 251 North Ave West Westfield, NJ 7090 Full Service B&M $65,589
    Columbia Bank 253 East Main Street Maple Shade, NJ 8052 Full Service B&M $150,300
    Columbia Bank 270 Main Street Sayreville, NJ 8872 Full Service B&M $51,022
    Columbia Bank 270 S. Livingston Avenue Livingston, NJ 7039 Full Service B&M $93,134
    Columbia Bank 271 Passaic Avenue Fairfield, NJ 7004 Full Service B&M $79,946
    Columbia Bank 279 Kinderkamack Road Oradell, NJ 7649 Full Service B&M $108,267
    Columbia Bank 2988 Route 516 Old Bridge, NJ 8857 Full Service B&M $83,255
    Columbia Bank 300 Kakeout Road Kinnelon, NJ 7405 Full Service B&M $96,075
    Columbia Bank 303 Franklin Avenue Wyckoff, NJ 7481 Full Service B&M $239,235
    Columbia Bank 311 Valley Road Wayne, NJ 7470 Full Service B&M $43,254
    Columbia Bank 33 Sicomac Road North Haledon, NJ 7508 Full Service B&M $50,778
    Columbia Bank 381 Market Street Saddle Brook, NJ 7663 Full Service B&M $127,692
    Columbia Bank 389 Route 18 South East Brunswick, NJ 8816 Full Service B&M $108,626
    Columbia Bank 401 Valley Brook Avenue Lyndhurst, NJ 7071 Full Service B&M $28,679
    Columbia Bank 407 Hurffville Crosskeys Road Sewell, NJ 8080 Full Service B&M $78,526
    Columbia Bank 413 Ramapo Valley Road Oakland, NJ 7436 Full Service B&M $60,981
    Columbia Bank 413 Wanaque Avenue Pompton Lakes, NJ 7442 Full Service B&M $133,709
    Columbia Bank 43 South Park Place Morristown, NJ 7960 Full Service B&M $21,138
    Columbia Bank 45 Reinhardt Road Wayne, NJ 7470 Limited, Mobile/Seasonal Office $9,152
    Columbia Bank 496 Lafayette Avenue Hawthorne, NJ 7506 Full Service B&M $229,850
    Columbia Bank 5-22 Saddle River Road Fair Lawn, NJ 7410 Full Service B&M $182,165
    Columbia Bank 501 Pleasant Valley Way West Orange, NJ 7052 Full Service B&M $53,686
    Columbia Bank 543 Newark Pompton Turnpike Pompton Plains, NJ 7444 Full Service B&M $195,044
    Columbia Bank 60 Raritan Center Parkway Edison, NJ 8837 Full Service B&M $80,813
    Columbia Bank 60 South Broad Street Ridgewood, NJ 7450 Full Service B&M $177,403
    Columbia Bank 604 Amboy Avenue Woodbridge, NJ 7095 Full Service B&M $141,217
    Columbia Bank 620 Oak Tree Avenue South Plainfield, NJ 7080 Full Service B&M $98,528
    Columbia Bank 630 Godwin Avenue Midland Park, NJ 7432 Full Service B&M $288,011
    Columbia Bank 64 Franklin Turnpike Waldwick, NJ 7463 Full Service B&M $76,955
    Columbia Bank 655 Raritan Road Cranford, NJ 7016 Full Service B&M $70,071
    Columbia Bank 701 North Wood Avenue Linden, NJ 7036 Full Service B&M $125,943
    Columbia Bank 800 Inman Avenue Colonia, NJ 7067 Full Service B&M $184,521
    Columbia Bank 803 Route 17 South Paramus, NJ 7652 Full Service B&M $261,579
    Columbia Bank 805 Franklin Lake Road Franklin Lakes, NJ 7417 Full Service B&M $161,366
    Columbia Bank 85 Jefferson Avenue, Aka 200 Kinderkamack Road Westwood, NJ 7675 Full Service B&M $31,257
    Columbia Bank 900 White Horse Road Voorhees, NJ 8043 Full Service B&M $193,224
    Columbia Bank 905 Broad Street Newark, NJ 7102 Full Service B&M $18,872
    Columbia Bank 99 Ramblewood Parkway At Route 73 Mount Laurel, NJ 8054 Full Service B&M $97,035

    For 2021, Columbia Bank had 61 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $270,374
    Net interest income $223,784
    Total noninterest income $36,757
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $4,178
    Trading account gains and fees $0
    Additional Noninterest Income $32,579
    Pre-tax net operating income $126,540
    Securities gains (or losses, -) $-116
    Income before extraordinary items $92,228
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $92,228
    Minority interest net income $0
    Net income $92,228
    Sale, conversion, retirement of capital stock, net $13,274
    Net operating income $92,319

    Columbia Bank's gross interest income from loans was $270,374,000.
    Columbia Bank's net interest income from loans was $223,784,000.
    Columbia Bank's fee based income from loans was $4,178,000.
    Columbia Bank's net income from loans was $92,228,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $46,590
    Provision for credit losses $-9,965
    Total noninterest expense $143,966
    Salaries and employee benefits $95,711
    Premises and equipment expense $19,831
    Additional noninterest expense $28,424
    Applicable income taxes $34,196
    Net charge-offs $2,035
    Cash dividends $65,000

    Columbia Bank's interest expense for loans was $46,590,000.
    Columbia Bank's payroll and benefits expense were $95,711,000.
    Columbia Bank's property, plant and equipment expenses $19,831,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $7,472,007
    Deposits held in domestic offices $7,472,007
    Deposits by Individuals, partnerships, and corporations $6,785,262
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $686,745
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $4,377,550
    Demand deposits $1,814,104
    Nontransaction accounts $3,094,457
    Money market deposit accounts (MMDAs) $596,263
    Other savings deposits (excluding MMDAs) $801,546
    Total time deposits $1,696,648
    Total time and savings deposits $5,657,903
    Noninterest-bearing deposits $1,814,104
    Interest-bearing deposits $5,657,903
    Retail deposits $7,185,780
    IRAs and Keogh plan accounts $390,845
    Brokered deposits $5,004
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $8,920,031
    Cash & Balances due from depository institutions $51,642
    Interest-bearing balances $9,918
    Total securities $2,042,167
    Federal funds sold & reverse repurchase $0
    Net loans and leases $6,141,450
    Loan and leases loss allowance $62,677
    Trading account assets $0
    Bank premises and fixed assets $91,389
    Other real estate owned $0
    Goodwill and other intangibles $85,547
    All other assets $507,836

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $8,920,031
    Total Liabilities $7,982,369
    Total deposits $7,472,007
    Interest-bearing deposits $5,657,903
    Deposits held in domestic offices $7,472,007
    % insured (estimated) $76
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $348,839
    Subordinated debt $0
    All other liabilities $161,523

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $6,141,450
    Loan and leases loss allowance $62,677
    Total loans and leases (domestic) $6,204,127
    All real estate loans $5,750,218
    Real estate loans in domestic offices $5,750,218
    Construction and development loans $291,815
    Residential 1-4 family construction $31,319
    Other construction, all land development and other land $260,496
    Loans secured by nonfarm nonresidential properties $2,023,075
    Nonfarm nonresidential secured by owner-occupied properties $431,282
    Commercial real estate & other non-farm, non-residential $1,591,793
    Multifamily residential real estate $1,020,776
    1-4 family residential loans $2,414,552
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $450,349
    To non-U.S. addressees $0
    Loans to individuals $3,561
    Credit card loans $2,644
    Related Plans $353
    Consumer Auto Loans $520
    Other loans to individuals $44
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $41,829
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $23,354
    Non 1-4 family restructured loans & leases $17,544
    Total loans and leases (foreign) $0

    Columbia Bank had $6,141,450,000 of loans outstanding in 2021. $5,750,218,000 of loans were in real estate loans. $291,815,000 of loans were in development loans. $1,020,776,000 of loans were in multifamily mortgage loans. $2,414,552,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $2,644,000 of loans were in credit card loans. $520,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 579 $237,166 $409,613
    Nonfarm, nonresidential loans - <$100k 12 $575 $47,917
    Nonfarm, nonresidential loans - $100-250k 79 $11,393 $144,215
    Nonfarm, nonresidential loans - $250k-1MM 488 $225,198 $461,471
    Commercial & Industrial, US addressed loans - <$1MM 913 $164,971 $180,691
    Commercial & Industrial, US addressed loans - <$100k 311 $9,328 $29,994
    Commercial & Industrial, US addressed loans - $100-250k 234 $24,927 $106,526
    Commercial & Industrial, US addressed loans - $250k-1MM 368 $130,716 $355,207