Total Assets
$22M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$19M
Customer-funded liabilities
Net Loans
$18M
Outstanding loan book
Net Income
$-642K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
1st percentile nationally
-2.74%
Return on Equity (ROE)
-32.72%
Efficiency Ratio
154.97%
What the numbers say about Columbia Savings and Loan Association
Columbia Savings and Loan Association is an FDIC-insured institution (Certificate #28480) headquartered in Milwaukee, Wisconsin, established in 1924. It holds $22M in total assets - 4,274th of 4,313 FDIC-insured banks, $19M in customer deposits, and $18M in net loans. Capital-wise, the Tier 1 ratio sits at 9.07%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 196.80%, elevated past the 50% level that draws analyst scrutiny. That combination rolls up into a PlainBankData health grade of F (18 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Columbia Savings and Loan Association is a community-scale institution -- 154th of 155 FDIC-insured banks headquartered in Wisconsin by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$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.
Top banks in Wisconsin by total assets
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.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Columbia Savings and Loan Association's health grade?▼
Columbia Savings and Loan Association receives a health grade of F (18/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Columbia Savings and Loan Association?▼
Columbia Savings and Loan Association holds $22M in total assets and $19M in deposits, ranking 4,274th of 4,313 FDIC-insured banks by asset size. It is headquartered in Milwaukee, Wisconsin.
Is my money safe at Columbia Savings and Loan Association?▼
Yes, deposits at Columbia Savings and Loan Association (Certificate #28480) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Columbia Savings and Loan Association's Tier 1 Capital Ratio?▼
Columbia Savings and Loan Association has a Tier 1 Capital Ratio of 9.07%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Columbia Savings and Loan Association?▼
Columbia Savings and Loan Association has a Texas Ratio of 196.80%. A ratio above 50% suggests elevated credit risk. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Columbia Savings and Loan Association?▼
Columbia Savings and Loan Association has an Efficiency Ratio of 154.97%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Columbia Savings and Loan Association's profile as a depositor or analyst.
- Columbia Savings and Loan Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Columbia Savings and Loan Association against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.