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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
54
/ 100
WatchAs of 2025-Q3QoQ -5

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

Quarterly Headline

2025-Q3

Bank #596277 2025-Q3 Vital Signs Score: 54/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 6.7% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 12.8% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 8.68% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -11
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -1
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 88.0%, cash 4.6% of assets.

Cash / Assets
4.59%
Loans / Deposits
87.99%
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

WatchQoQ -7
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.94%, CET1 10.94%, leverage 7.85%.

Tier 1 RBC
10.94%
CET1
10.94%
Leverage
7.85%
No watch items at this period.

Asset Quality

RiskQoQ -11
20
Sub-score

Asset quality is weak: Adjusted NPL 8.68%, Texas Ratio 79.9%, NCO YTD 0.15%.

Adjusted NPL
8.68%
Govt-guarantees stripped
Texas Ratio
79.9%
NCO YTD
0.15%
30-89 PD
4.34%
Band 0.3% / 3.0%
90+ PD
3.85%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 8.68% (govt-guarantees stripped).
  • watchTexas Ratio above 50% — Texas Ratio 79.9% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 3.85%.

Reserves

RiskQoQ -1
20
Sub-score

Reserves are weak: ALLL 1.10% of loans, coverage 12.8%, true coverage 6.7%.

ALLL / Loans
1.10%
Coverage
12.8%
True Loss Coverage
6.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 12.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 6.7% (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