Columbia Financial Balance Sheet Health
Financial Health criteria checks 6/6
Columbia Financial has total assets of $10.6B and total equity of $1.1B. Total deposits are $8.2B, and total loans are $8.0B. It earns a Net Interest Margin of 1.8%. It has sufficient allowance for bad loans, which are currently at 0.3% of total loans. Cash and short-term investments are $269.8M.
Key information
9.6x
Asset to equity ratio
1.8%
Net interest margin
| Total deposits | US$8.19b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.3% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$269.78m |
Recent financial health updates
No updates
Recent updates
Does Columbia Financial (NASDAQ:CLBK) Deserve A Spot On Your Watchlist?
Jun 23
Does Columbia Financial (NASDAQ:CLBK) Deserve A Spot On Your Watchlist?
Mar 02If You Like EPS Growth Then Check Out Columbia Financial (NASDAQ:CLBK) Before It's Too Late
Nov 04Here's Why We Think Columbia Financial (NASDAQ:CLBK) Is Well Worth Watching
Jul 05Is Now The Time To Put Columbia Financial (NASDAQ:CLBK) On Your Watchlist?
Mar 08How Many Columbia Financial, Inc. (NASDAQ:CLBK) Shares Do Institutions Own?
Feb 01
How Many Columbia Financial, Inc. (NASDAQ:CLBK) Shares Did Insiders Buy, In The Last Year?
Dec 11Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CLBK's Assets to Equity ratio (9.6x) is low.
Allowance for Bad Loans: CLBK has a sufficient allowance for bad loans (250%).
Low Risk Liabilities: 86% of CLBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: CLBK has an appropriate level of Loans to Assets ratio (75%).
Low Risk Deposits: CLBK's Loans to Deposits ratio (97%) is appropriate.
Level of Bad Loans: CLBK has an appropriate level of bad loans (0.3%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/05/19 06:50 |
| End of Day Share Price | 2025/05/19 00:00 |
| Earnings | 2025/03/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Columbia Financial, Inc. is covered by 2 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jacob Civiello | Janney Montgomery Scott LLC |
| Mark Fitzgibbon | Piper Sandler Companies |