FDIC Cert #28480 · Milwaukee, Wisconsin · Est. 1924

Columbia Savings and Loan Association - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$22M
Total assets
F
Health grade · At Risk
-2.74%
Return on assets
9.1%
Tier 1 capital

Data updated July 2026

The verdict

Columbia Savings and Loan Association earns a PlainBankData health grade of F (18/100), with 9.07% Tier 1 capital, -2.74% ROA, 155% efficiency ratio.

#4,274
largest of 4,313 FDIC banks by assets
1st
percentile by asset size, nationally
9.07%
Tier 1 ratio - below the 10% well-capitalized line
1st
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 28480 · WI F · 18/100

GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-DANGER · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-F F (18/100)
  • BOTTOM-DECILE #4302/4307
  • PHOTO-FINISH First & Peoples Bank… · KY
  • TIER1-ADEQ 9.1% Tier 1
  • TEXAS-DANGER 196.8% Texas
  • ROA-LOSS -2.74% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: First & Peoples Bank and Trust Company, KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Columbia Savings and Loan Association

Lowest and highest poles plus nearest scored peers outside Wisconsin, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Columbia Savings and… · WI ·…18/100First & Peoples Bank… · KY ·…18/100Nano Banc · CA · near18/100Walden Mutual Bank · NH · ne…18/100Summit National Bank · WY · …16/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Columbia Savings and Loan Association · July 2026

Call Report read for Columbia Savings and Loan Association in a high-failure state

Columbia Savings and Loan Association (FDIC Cert #28480) carries a PlainBankData health grade of F at 18/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,302 of 4,307. Tier 1 capital prints at 9.07%, missing the 10% well-capitalized line. The Texas Ratio is 196.80%, above the 50% watch level where troubled assets press the capital cushion. Return on assets is -2.74%. Balance-sheet scale is $22M, 4,274th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First & Peoples Bank and Trust Company (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Columbia Savings and Loan Association

11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus

Columbia Savings and Loan Association sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about Columbia Savings and Loan Association's current Call Report.

  • GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wisconsin banks.

How Columbia Savings and Loan Association's 18/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10018/100
Columbia Savings and Loan Association's composite health score
Tier 1 Capital Ratio (9.07%) 18/40
Return on Assets (ROA) (-2.74%) 0/25
Texas Ratio (196.80%) 0/20
Efficiency Ratio (154.97%) 0/15

18 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$22M

Total balance-sheet footings

Total Deposits

$19M

Customer-funded liabilities

Net Loans

$18M

Outstanding loan book

Net Income

$-642K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.67% 9.07% 10.47%
Basel III capital ratios - Columbia Savings and Loan Association

Where Columbia Savings and Loan Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Columbia Savings and Loan Association's score of 18/100 falls in the highlighted band.

Columbia Savings and Loan Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

18 0th percentile higher than 0% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). This entry sits in this band. 20–30: 26 FDIC-insured banks (1%). Above this entry. 30–40: 36 FDIC-insured banks (1%). Above this entry. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Columbia Savings and Loan Association 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Columbia Savings and Loan Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Columbia Savings and Loan Association's $22M falls in the highlighted band.

Capital & credit buffers at Columbia Savings and Loan Association

Tier 1 capital ratio
Well-capitalized 10%

9.07% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.07%
Texas Ratio
196.80%
Equity Capital
$1M

What these ratios mean →

Profitability metrics: Columbia Savings and Loan Association

Return on Assets (ROA)
1st percentile nationally
-2.74%
Return on Equity (ROE)
-32.72%
Efficiency Ratio
154.97%

What these mean →

Income & expense: loss period at Columbia Savings and Loan Association

$1M
Interest Income
$27K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Columbia Savings and Loan Association reports a Texas Ratio of 196.80% - in the danger zone above 100%, where troubled assets exceed the capital cushion.

Texas Ratio
Caution 50%

196.80% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Columbia Savings and Loan Association

Columbia Savings and Loan Association's grade of F reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 196.80% sits in the danger zone above 100%, where troubled assets exceed the capital and reserves available to absorb them. The bank reported negative net income of $-642K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 9.07% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Columbia Savings and Loan Association up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Columbia Savings and Loan Association on FDIC BankFind →

Top banks in Wisconsin by total assets

Largest banks headquartered in Wisconsin
  1. 1
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  2. 2
    Nicolet National Bank $9.2B

    Green Bay, WI · Grade A

  3. 3
    Johnson Bank $7.2B

    Racine, WI · Grade A

  4. 4
    Town Bank $4.5B

    Hartland, WI · Grade A

  5. 5
    Bank First $4.5B

    Manitowoc, WI · Grade A

Top 5 banks in Wisconsin ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($22M here), outside Wisconsin so the neighborhood is not state containment.

Chesterfield State Bank $21M · IL The Mt. Victory State Bank $22M · OH The First National Bank of Fletcher $22M · OK Farmers State Bank of Medora $21M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Columbia Savings and Loan Association (FDIC Cert #28480) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Columbia Savings and Loan Association Call Report profile · FDIC Failed Bank List · Wisconsin FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wisconsin

All Wisconsin banks →
BankAssetsGradeROA
Associated Bank, National AssociationGreen Bay $45.1B A 1.10%
Nicolet National BankGreen Bay $9.2B A 1.66%
Johnson BankRacine $7.2B A 1.07%
Town Bank, National AssociationHartland $4.5B A 1.27%
Bank First, N.A.Manitowoc $4.5B A 1.64%
First Business BankMadison $4.1B B 1.36%
John Deere Financial, f.s.b.Middleton $3.4B A 3.87%
Lake Ridge BankMiddleton $3.3B B 0.98%