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Columbia Savings And Loan Association

IDRSSD: 596277
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2023-Q4QoQ -19

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #596277 2023-Q4 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 26.4% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 32.5% (regulatory soft-warning level 50%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.62% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -19 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↓ -37
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -2
82
Sub-score

Liquidity is strong: brokered 0.1%, loans/deposits 76.2%, cash 3.1% of assets.

Cash / Assets
3.12%
Loans / Deposits
76.20%
Brokered %
0.10%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +9
79
Sub-score

Capital position is stable: Tier 1 RBC 12.85%, CET1 12.85%, leverage 7.40%.

Tier 1 RBC
12.85%
CET1
12.85%
Leverage
7.40%
No watch items at this period.

Asset Quality

StableQoQ -37
63
Sub-score

Asset quality is stable: Adjusted NPL 2.62%, Texas Ratio 22.5%, NCO YTD -0.06%.

Adjusted NPL
2.62%
Govt-guarantees stripped
Texas Ratio
22.5%
NCO YTD
-0.06%
30-89 PD
9.82%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.62% (govt-guarantees stripped).

Reserves

Risk
11
Sub-score

Reserves are weak: ALLL 0.84% of loans, coverage 32.5%, true coverage 26.4%.

ALLL / Loans
0.84%
Coverage
32.5%
True Loss Coverage
26.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 32.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.4% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 06:27:54 UTC