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Columbia Savings And Loan Association

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
52
/ 100
WatchAs of 2025-Q4QoQ -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-Q4

Bank #596277 2025-Q4 Vital Signs Score: 52/100 — 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
    Texas Ratio above 50%
    Asset Quality — Texas Ratio 180.2% (industry watch band 50% / risk band 100%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 5.1% (Adjusted NPL + Performing Mods denominator).
  3. risk
    ALLL / NPL below 50%
    Reserves — Coverage 6.0% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ 0
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 92.8%, cash 5.6% of assets.

Cash / Assets
5.57%
Loans / Deposits
92.83%
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 -5
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.45%, CET1 10.45%, leverage 7.99%.

Tier 1 RBC
10.45%
CET1
10.45%
Leverage
7.99%
No watch items at this period.

Asset Quality

RiskQoQ -3
17
Sub-score

Asset quality is weak: Adjusted NPL 19.24%, Texas Ratio 180.2%, NCO YTD -0.02%.

Adjusted NPL
19.24%
Govt-guarantees stripped
Texas Ratio
180.2%
NCO YTD
-0.02%
30-89 PD
7.14%
Band 0.3% / 3.0%
90+ PD
14.13%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 19.24% (govt-guarantees stripped).
  • riskTexas Ratio above 50% — Texas Ratio 180.2% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 14.13%.

Reserves

RiskQoQ +1
21
Sub-score

Reserves are weak: ALLL 1.14% of loans, coverage 6.0%, true coverage 5.1%.

ALLL / Loans
1.14%
Coverage
6.0%
True Loss Coverage
5.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 6.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 5.1% (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