Columbia Financial highlights $1.7B liquidity, strong cap ratios amid SVB/Silvergate fallout

Columbia Financial, Inc.

Immediate funding access of over $1.7B as of Mar 10, 2023; cash $84.2M, FHLB capacity $1.3B, $339M correspondent lines.
Tier 1 leverage ratio 10.68% at Dec 31, 2022; pro forma 9.18% even if all AFS bonds sold, more than double regulatory minimum.
No exposure to crypto, venture capital, or startup deposits/loans; average depositor balance ~$37K across 210K accounts.
AOCI unrealized loss on AFS securities $135.5M; defined benefit plan $44.3M (83% overfunded); no need to sell securities.
Conservative community bank strategy with diverse depositor base and low problem loans, unlike Silicon Valley and Silvergate.

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