Columbia Savings and Loan Association

Headquarters

2020 W Fond Du Lac Ave
Milwaukee, WI 53205
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD 0.70% 0.67% →
2-Year CD 0.90% 0.80% →
5-Year CD 1.20% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Columbia Savings and Loan Association is an FDIC insured institution located in Milwaukee, WI. It was founded in 1924 and has approximately $0.03 billion in assets.

FDIC Insured Yes
FDIC Certificate # 28480
Date Established 1924
Assets $ 25.54 million
Loans $ 17.23 million
Deposits $ 23.65 million
Capital $ 1.83 million
 

For a more detailed analysis of Columbia Savings and Loan Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 2, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
0.70% $100,000 $199,999 Learn More
18 Mo CD
0.80% $10,000 $14,999 Learn More
18 Mo CD
0.80% $100,000 $199,999 Learn More
24 Mo CD
0.90% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
1.10% $10,000 $14,999 Learn More
36 Mo CD
1.10% $100,000 $199,999 Learn More
48 Mo CD
1.25% $10,000 $14,999 Learn More
48 Mo CD
1.25% $100,000 $199,999 Learn More
60 Mo CD
1.20% $10,000 $14,999 Learn More
60 Mo CD
1.20% $100,000 $199,999 Learn More

 

Loan Rates - December 2, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Columbia Savings and Loan Association

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




Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625%
1.00 points
$3,750 fees
$1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Flagstar Bank-Heloc
Flagstar Bank-Heloc
See Table
4.990 %
$0 Learn More
More Info

Note to Columbia Savings and Loan Association
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Branches

Columbia Savings and Loan Association 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:
Ashburn,Virginia


Columbia Savings and Loan Association Locations



Climate Initiatives

Columbia Savings and Loan Association is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Columbia Savings and Loan Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Columbia Savings and Loan Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Columbia Savings and Loan Association U.S. Bank Average
55.71% 4.78%

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 June 30, 2021, Columbia Savings and Loan Association had $646,000 in non-current loans and $451,000 in owned real estate. To cover these potential losses it had $1,828,000 in equity and $141,000 in loans loss reserves. That gives it a Texas Ratio of 55.71%.

Return on Equity
Columbia Savings and Loan Association U.S. Bank Average
-9.48% 11.29%

Columbia Savings and Loan Association has a Return on Equity of -9.48% versus the BestCashCow average of 11.29%. 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.

Capitalization
Columbia Savings and Loan Association U.S. Bank Average
7.16% 11.72%

Columbia Savings and Loan Association has a Capitalization of 7.16% versus the BestCashCow average of 11.72. 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.

Columbia Savings and Loan Association Balance Sheet Analysis

As of June 30, 2021, Columbia Savings and Loan Association had assets of $25,541,000, loans of $17,233,000, and deposits of $23,649,000. 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

June 30, 2021
ASSETS
Cash & Balances due from depository institutions $ 5.78 million
Interest-bearing balances $ 0.19 million
Total securities $ 0.02 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 17.23 million
Loan loss allowance $ 0.14 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.45 million
Goodwill and other intangibles N.A.
All other assets $ 0.25 million
     Total Assets $ 23.71 million
LIABILITIES
Total deposits $ 23.65 million
      Interest-bearing deposits $ 23.61 million
      Deposits held in domestic offices $ 23.65 million
      % insured (estimated) 95.09%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.06 million
      Total Liabilities $ 23.71 million
      Shareholders’ Equity $ 1.83 million

Summary Income Statement

June 30, 2021
INCOME AND EXPENSES
Total Interest Income $ 0.48 million
Total Interest Expense $ 0.07 million
Net interest income $ 0.40 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.03 million
Total non interest expense $ 0.52 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Columbia Savings and Loan Association’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Wisconsin, Columbia Savings and Loan Association has a significantly higher percent of 1-4 Family Residential Loans, 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 62.21
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 35.64
Construction and Development Loans 0.00
Commercial Real Estate 36.63
Commercial and Industrial Loans 0.00
Farm Loans 0.00

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