Columbia Savings&Loan Assn
Milwaukee, Wisconsin · FDIC Cert #28480
This is the FDIC profile for Columbia Savings&Loan Assn, an FDIC-insured bank (Certificate #28480) with $24M in total assets and $22M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Milwaukee, Wisconsin, the bank maintains a Tier 1 capital ratio of 12.71% (Well-Capitalized) and a nonperforming loan ratio of 7.35%. BankHealthData assigns a composite Health Grade of F (31/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Columbia Savings&Loan Assn (FDIC cert 28480) is a community bank — $24M in total assets, $22M in deposits, serving the Milwaukee, Wisconsin area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.71% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 7.35% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is thin: 2.7% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is minimal: ROA of 0.04% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Columbia Savings&Loan Assn carries a composite BankHealth grade of F (31/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Columbia Savings&Loan Assn
- Total Assets
- $24M
- Total Deposits
- $22M
- Tier 1 Capital Ratio
- 12.71%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 7.35%
- Liquidity Ratio
- 2.68%
- Return on Assets
- 0.04%
- Headquarters
- Milwaukee, Wisconsin
- FDIC Certificate
- #28480
- Health Grade
- F (31/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Columbia Savings&Loan Assn files quarterly Call Reports with the FDIC under Certificate #28480. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Columbia Savings&Loan Assn holds a Tier 1 capital ratio of 12.71%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Columbia Savings&Loan Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Columbia Savings&Loan Assn shows some financial weakness with a Health Score of 31/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Columbia Savings&Loan Assn Compares
Columbia Savings&Loan Assn’s Health Score of 31 is 47 points below the Wisconsin state average of 78 across 141 FDIC-insured banks. Its 12.71% Tier 1 capital ratio is 1.3 points below the US banking industry average near 14%. The 7.35% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.04% is below the national ROA benchmark of ~1.1%. Among 185 similarly-sized banks, the average Health Score is 86, meaning this bank ranks below its size cohort. Site-wide, Columbia Savings&Loan Assn is 49 points below the portfolio average of 80.
Frequently Asked Questions
Columbia Savings&Loan Assn has a Bank Health Score of F (31/100), placing it in weak financial health. It holds a Tier 1 capital ratio of 12.71%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Columbia Savings&Loan Assn's Tier 1 capital ratio of 12.71% and nonperforming loan ratio of 7.35% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Columbia Savings&Loan Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #28480). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Columbia Savings&Loan Assn holds $24M in total assets and $22M in total deposits. It is headquartered in Milwaukee, Wisconsin (FDIC Certificate #28480).
Columbia Savings&Loan Assn's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #28480 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Columbia Savings&Loan Assn has a Tier 1 capital ratio of 12.71%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 7.35%, and the return on assets is 0.04%.
Yes. Columbia Savings&Loan Assn is FDIC-insured (Certificate #28480). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An F grade on our Bank Health Score means below 40/100 — significant weakness on multiple metrics; depositors above the FDIC limit should be especially vigilant. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Columbia Savings&Loan Assn shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.