Colonial Bank, FSB


2745 S. Delsea Drive
Vineland, NJ 08360
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Colonial Bank, FSB is an FDIC insured institution located in Vineland, NJ. It was founded in 1913 and has approximately $0.57 billion in assets.

FDIC Insured Yes
FDIC Certificate # 30218
Date Established 1913
Assets $ 571.98 million
Loans $ 271.63 million
Deposits $ 505.69 million
Capital $ 64.30 million

For a more detailed analysis of Colonial Bank, FSB's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 22, 2021

Your Current Location: California, CA 92111


Loan Rates - September 22, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Colonial Bank, FSB

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
CashCall Mortgage
NMLS ID: 128231
2.789% 2.750%
0.50 points
$1,250 fees
$1,021 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Colonial Bank, FSB
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Colonial Bank, FSB branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
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Colonial Bank, FSB Locations

Financial Details

Colonial Bank, FSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Colonial Bank, FSB. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Colonial Bank, FSB U.S. Bank Average
20.12% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Colonial Bank, FSB had $11,205,000 in non-current loans and $2,176,000 in owned real estate. To cover these potential losses it had $64,300,000 in equity and $2,205,000 in loans loss reserves. That gives it a Texas Ratio of 20.12%.

Return on Equity
Colonial Bank, FSB U.S. Bank Average
6.93% 11.43%

Colonial Bank, FSB has a Return on Equity of 6.93% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Colonial Bank, FSB U.S. Bank Average
11.24% 11.51%

Colonial Bank, FSB has a Capitalization of 11.24% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Colonial Bank, FSB Balance Sheet Analysis

As of March 31, 2015, Colonial Bank, FSB had assets of $571,977,000, loans of $271,628,000, and deposits of $505,689,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 271.63 million
Loan loss allowance $ 2.21 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.18 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 505.69 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 571.98 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Colonial Bank, FSB’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in New Jersey, Colonial Bank, FSB has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 62.81
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 13.11
Construction and Development Loans 2.76
Commercial Real Estate 24.66
Commercial and Industrial Loans 7.29
Farm Loans 0.03

Frequently Asked Questions About Colonial Bank, Fsb

Branches and Savings

Is Colonial Bank, Fsb FDIC insured?

Yes. It is covered under FDIC Certificate #30218.

Why does Colonial Bank, Fsb pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Colonial Bank, Fsb CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Colonial Bank, Fsb a commercial bank?


Where are Colonial Bank, Fsb locations?

See branch locations nearby.

Is Colonial Bank, Fsb open on Saturdays?

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Are Colonial Bank, Fsb ATMs Open 24/7?

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Do Colonial Bank, Fsb branches have notaries?

Will Colonial Bank, Fsb notarize my document?

What address for Colonial Bank, Fsb should I put for incoming ACH transfers?

Will the Colonial Bank, Fsb branch print checks?

Do Colonial Bank, Fsb checks expire?

Does Colonial Bank, Fsb require US citizenship to open account?

Can Colonial Bank, Fsb close my account?

Does Colonial Bank, Fsb Report to credit bureaus?

Does Colonial Bank, Fsb Use Equifax?

What is Colonial Bank, Fsb's ACH Routing Number?

What is Colonial Bank, Fsb's SWIFT code?


Does Colonial Bank, Fsb offer mortgages?

Compare mortgage rates here.

Does Colonial Bank, Fsb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Colonial Bank, Fsb offer personal loans?

Compare personal loan rates here.

Does Colonial Bank, Fsb offer student loans?

Will Colonial Bank, Fsb cash a check?

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Background on The Bank

Who owns Colonial Bank, Fsb?

How long has Colonial Bank, Fsb been around?

Can Colonial Bank, Fsb transfer to other banks?

Does Colonial Bank, Fsb have quick pay?

Does Colonial Bank, Fsb accept rolled coins?

Will Colonial Bank, Fsb accept loose change?

Where is Colonial Bank, Fsb headquarters?

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