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5 star rating based on 1 review.

Columbia Bank (NJ)

Columbia Bank (NJ) Locations
19-01 Route 208
Fair Lawn, NJ 7410
(800) 522-4167
www.columbiabankonline.com

Columbia Bank (NJ) is headquartered in Fair Lawn and is the 6th largest bank in the state of New Jersey. It is also the 178th largest bank in the nation. It was established in 1926 and as of March of 2012, it had grown to 539 employees at 44 locations. Columbia Bank (NJ) has a 4-star health rating.

Related Posts

Bonus & Top Checking Rate at Columbia Bank - New Jersey Only - 3/12/2012

Columbia Bank has a checking account called Yield Plus Checking which offers a competitive 1.00% APY for balances of $10K to $250K. It's a little like a reward checking account in that this rate is de ...

$100 For Opening Columbia Bank (NJ) Advantage Totally Free Checking Account (Forum) - 7/19/2011

Looks like local (New Jersey) only. $25 for 5 Bill Pays; $25 for signing up for a Visa CheckCard; $25 for signing up for e-Statements; $25 for all of above within 60 days of account opening.

24 Mo. CD Special (Forum) - 12/15/2010

Columbia Bank in New Jersey currently has a 24 month CD at 2.00% APY. Minimum deposit is $500. Appears to be Local only.

Top 2-Year CD and IRA CD Rate at Columbia Bank in New Jersey - Local Only - 12/5/2010

Columbia Bank is offering a very competitive 2-year CD rate of 2.00% APY. Minimum deposit is $500. It's also available as an IRA CD. Most of its other CD rates aren't that great. The 4-year and 5-year ...



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Columbia Bank (NJ) Checking Account Rates

ApyMinMaxProduct
1.00%$10k$250kYield Plus Checking
0.25%$500-NOW Safeguard
0.25%$1k-NOW Return Style

Columbia Bank (NJ) Savings Account Rates

ApyMinMaxProduct
0.35%$50-Holiday Club
0.35%$100-Passbook Savings
0.35%--Statement Savings
0.35%$100-Health Savings Checking Account
0.35%$50-Passbook Variable IRA
0.35%--Distribution Variable IRA
0.35%--Distribution Variable Roth IRA
0.35%$50-Passbook Variable Roth IRA
0.35%--Distribution Variable CESA
0.35%$50-Passbook Variable CESA

Columbia Bank (NJ) CD Rates

ApyMinMaxProduct
2.25%$500-84 Month CD
2.10%$500-72 Month CD
1.85%$500-60 Month CD
1.75%$500-48 Month CD
1.39%$500-20 Months AdvantageUP CD
1.39%$500-36 Month Advantage Plus CD
1.30%$500-36 Month CD
1.15%$500-40 Month CD
1.15%$500-42 Month CD
1.05%$500-24 Month CD
0.95%$500-25 Month CD
0.95%$500-30 Month CD
0.90%$500-18 Month CD
0.80%$500-12 Month Advantage Plus CD
0.70%$500-12 Month CD
0.70%$500-20 Month CD
0.65%$500-10 Month Advantage Plus CD
0.55%$500-15 Month CD
0.50%$500-182 Day CD
0.50%$500-10 Month CD
0.45%$500-7 Month CD
0.45%$500-8 Month CD
0.45%$500-9 Month CD
0.45%$500-11 Month CD
0.45%$500-13 Month CD
0.45%$500-14 Month CD
0.30%$2,500-7 Day CD
0.30%$2,500-28 Day CD
0.30%$500-91 Day CD
0.30%$500-4 Month CD
0.30%$500-5 Month CD

Columbia Bank (NJ) IRA Rates

ApyMinMaxProduct
2.25%$500-72 Month CESA
2.25%$500-72 Month IRA
2.25%$500-72 Month Roth IRA
2.00%$500-60 Month IRA
2.00%$500-60 Month Roth IRA
2.00%$500-60 Month CESA
1.90%$500-48 Month IRA
1.90%$500-48 Month Roth IRA
1.90%$500-48 Month CESA
1.45%$500-36 Month IRA
1.45%$500-36 Month Roth IRA
1.45%$500-36 Month CESA
1.15%$500-40 Month IRA
1.15%$500-42 Month IRA
1.15%$500-40 Month Roth IRA
1.15%$500-42 Month Roth IRA
1.15%$500-40 Month CESA
1.15%$500-42 Month CESA
1.05%$500-24 Month IRA
1.05%$500-24 Month Roth IRA
1.05%$500-24 Month CESA
0.95%$500-25 Month IRA
0.95%$500-30 Month IRA
0.95%$500-25 Month Roth IRA
0.95%$500-30 Month Roth IRA
0.95%$500-25 Month CESA
0.95%$500-30 Month CESA
0.90%$500-18 Month IRA
0.90%$100-18 Month Variable IRA
0.90%$500-18 Month Roth IRA
0.90%$100-18 Month Variable Roth IRA
0.90%$500-18 Month CESA
0.90%$100-18 Month Variable CESA
0.80%$500-12 Month Advantage Plus CESA
0.80%$500-12 Month Advantage Plus IRA
0.80%$500-12 Month Advantage Plus Roth IRA
0.70%$500-12 Month IRA
0.70%$500-20 Month IRA
0.70%$500-12 Month Roth IRA
0.70%$500-20 Month Roth IRA
0.70%$500-12 Month CESA
0.70%$500-20 Month CESA
0.65%$500-10 Month Advantage Plus IRA
0.65%$500-10 Month Advantage Plus Roth IRA
0.65%$500-10 Month Advantage Plus CESA
0.55%$500-15 Month IRA
0.55%$500-15 Month Roth IRA
0.55%$500-15 Month CESA
0.50%$500-182 Day IRA
0.50%$500-10 Month IRA
0.50%$500-182 Day Roth IRA
0.50%$500-10 Month Roth IRA
0.50%$500-182 Day CESA
0.50%$500-10 Month CESA
0.45%$500-7 Month IRA
0.45%$500-8 Month IRA
0.45%$500-9 Month IRA
0.45%$500-11 Month IRA
0.45%$500-13 Month IRA
0.45%$500-14 Month IRA
0.45%$500-7 Month Roth IRA
0.45%$500-8 Month Roth IRA
0.45%$500-9 Month Roth IRA
0.45%$500-11 Month Roth IRA
0.45%$500-13 Month Roth IRA
0.45%$500-14 Month Roth IRA
0.45%$500-7 Month CESA
0.45%$500-8 Month CESA
0.45%$500-9 Month CESA
0.45%$500-11 Month CESA
0.45%$500-13 Month CESA
0.45%$500-14 Month CESA
0.30%$500-91 Day IRA
0.30%$500-4 Month IRA
0.30%$500-5 Month IRA
0.30%$500-91 Day Roth IRA
0.30%$500-4 Month Roth IRA
0.30%$500-5 Month Roth IRA
0.30%$500-91 Day CESA
0.30%$500-4 Month CESA
0.30%$500-5 Month CESA

Rates updated: 5/24/2012

Data for Q1 2012


Institution Statistics


Columbia Bank
OTS #02454
FDIC Certificate #28834
BankRate ReportView
Year Established1926
Employees539
Primary RegulatorOCC

Assets and Liabilities

Assets$4.56 billion
Loans$3.19 billion
Deposits$2.86 billion
Equity Capital$440.23 million
Loan Loss Allowance$52.48 million
Unbacked Noncurrent Loans$89.57 million
Real Estate Owned$2.87 million

Historic Data - March 2011

Assets$4.56 billion
Equity Capital$421.54 million
Loan Loss Allowance$47.05 million
Unbacked Noncurrent Loans$89.16 million
Real Estate Owned$667,000

Profit Margin - Quarterly

Net Interest Margin2.67%
Return on Assets0.41%
Return on Equity4.18%
Interest Income$46.14 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio3
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Columbia Bank (NJ) had $92.44 million in non-current loans and owned real-estate with $492.71 million in equity and loan loss allowances on hand to cover it. This gives Columbia Bank (NJ) a Texas Ratio of 18.76% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Columbia Bank (NJ) held steady from 19.94% as of March 31, 2011 to 18.76% as of March 31, 2012, resulting in a positive change of 5.90%.This indicates that the balance sheet and financial strength for Columbia Bank (NJ) has held steady in recent periods.
Deposit Growth4
In the past year, Columbia Bank (NJ) has increased its total deposits by $118.09 million, resulting in 4.3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Columbia Bank (NJ) has shown is above average.
Capitalization4
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Columbia Bank (NJ) has $4.56 billion in assets with $492.71 million in equity, resulting in a capitalization level of 10.82%, which is above average.
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Great Service!
5 stars - thisnthat3 - Saturday, June 26, 2010 - 4:50 PM

This is not a huge bank yet a good size. They treat you like you live in a small town and I have even had them call me personally when my balance ran low & a check came in. Great bank!

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