Columbia Savings&Loan Assn
Milwaukee, Wisconsin · FDIC Cert #28480
Columbia Savings&Loan Assn is an FDIC-insured bank (Certificate #28480) with $24M in total assets and $22M in total deposits as of the Q2 2024 Call Report. 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). 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
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 36 points below the Wisconsin state average of 67 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 70, meaning this bank ranks below its size cohort. Site-wide, Columbia Savings&Loan Assn is 39 points below the portfolio average of 70.
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 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.