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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
58
/ 100
WatchAs of 2025-Q2QoQ +2

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

Quarterly Headline

2025-Q2

Bank #596277 2025-Q2 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 7.4% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 15.8% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 7.17% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -11
  • Asset Quality
    ↑ +16
  • Reserves
    ↑ +6

The five pillars

Liquidity

StableQoQ +1
80
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 87.9%, cash 4.9% of assets.

Cash / Assets
4.85%
Loans / Deposits
87.94%
Brokered %
0.00%
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 -11
66
Sub-score

Capital position is stable: Tier 1 RBC 11.50%, CET1 11.50%, leverage 7.99%.

Tier 1 RBC
11.50%
CET1
11.50%
Leverage
7.99%
No watch items at this period.

Asset Quality

RiskQoQ +16
31
Sub-score

Asset quality is weak: Adjusted NPL 7.17%, Texas Ratio 64.1%, NCO YTD -0.62%.

Adjusted NPL
7.17%
Govt-guarantees stripped
Texas Ratio
64.1%
NCO YTD
-0.62%
30-89 PD
1.82%
Band 0.3% / 3.0%
90+ PD
2.54%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.17% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 64.1% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 2.54%.

Reserves

RiskQoQ +6
21
Sub-score

Reserves are weak: ALLL 1.12% of loans, coverage 15.8%, true coverage 7.4%.

ALLL / Loans
1.12%
Coverage
15.8%
True Loss Coverage
7.4%

Watch Items

  • riskALLL / NPL below 50% — Coverage 15.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 7.4% (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