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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 — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2024-Q4QoQ +3

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

Quarterly Headline

2024-Q4

Bank #596277 2024-Q4 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Texas Ratio above 50%
    Asset Quality — Texas Ratio 110.9% (industry watch band 50% / risk band 100%).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 9.8% (regulatory soft-warning level 50%).
  3. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 9.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    — —
  • Reserves
    ↑ +12

The five pillars

Liquidity

StableQoQ +3
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 89.2%, cash 2.3% of assets.

Cash / Assets
2.31%
Loans / Deposits
89.17%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.31% of assets (threshold 3%).

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 +3
70
Sub-score

Capital position is stable: Tier 1 RBC 11.70%, CET1 11.70%, leverage 8.45%.

Tier 1 RBC
11.70%
CET1
11.70%
Leverage
8.45%
No watch items at this period.

Asset Quality

Risk
17
Sub-score

Asset quality is weak: Adjusted NPL 13.03%, Texas Ratio 110.9%, NCO YTD -0.02%.

Adjusted NPL
13.03%
Govt-guarantees stripped
Texas Ratio
110.9%
NCO YTD
-0.02%
30-89 PD
5.71%
Band 0.3% / 3.0%
90+ PD
10.45%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 13.03% (govt-guarantees stripped).
  • riskTexas Ratio above 50% — Texas Ratio 110.9% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 10.45%.

Reserves

RiskQoQ +12
25
Sub-score

Reserves are weak: ALLL 1.26% of loans, coverage 9.8%, true coverage 9.8%.

ALLL / Loans
1.26%
Coverage
9.8%
True Loss Coverage
9.8%

Watch Items

  • riskALLL / NPL below 50% — Coverage 9.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 9.8% (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