Columbia Bank (Lake Oswego, OR)
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Data as of · sourced from FFIEC call reports. How we update
Columbia Bank is an FDIC-insured commercial bank headquartered in Lake Oswego, OR, established in 1953 (FDIC certificate 17266), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $65.37B, up 26.0% from Q2 2025, the largest of 12 banks headquartered in Oregon. Its CET1 capital ratio was 12.21% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17266
- Headquarters
- Lake Oswego, OR
- Established
- 1953
- Total assets, Q2 2026
- $65.37B
- Assets vs Q2 2025
- +26.0%
- CET1 ratio, Q2 2026
- 12.21%
- Domestic offices
- 369 FDIC institution directory, current count
- Routing number
- 123205054
- Holding company
- COLUMBIA BANKING SYSTEM, INC.
- Asset rank in state
- 1st of 12 in Oregon
Columbia Bank is the 44th-largest bank in the United States, with $65.4 billion in assets at June 30, 2026, up 26.0% from a year earlier. It is headquartered in Lake Oswego, Oregon, and operates 369 domestic branches. It grew deposits 24.8% over the year, 4.4 times the median of 5.7% for the 127 banks with $10 billion to $100 billion in assets. It also holds commercial real estate loans worth 3.0 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Earnings jumped: net income for the quarter was $214 million, 34% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.40% of loans from 0.30% a year earlier.
As of June 30, 2026, Columbia Bank reported a CET1 capital ratio of 12.21%, a return on assets of 1.30%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 3.13%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Columbia Bank is the largest of the 12 banks headquartered in Oregon. Between Q1 2026 and Q2 2026, its total assets fell 1.0% to $65.37B, loans fell 1.2% and deposits fell 2.7%. Multifamily loans made up 21.8% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 17.2%. Judged on its Q2 2026 call report, Columbia Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 445 Se Main St, Lake Oswego, OR 97470
- County
- Douglas
- Metro Area
- Roseburg, OR
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 9, 1953
- Former names
- Umpqua Bank (2000-2025); South Umpqua Bank (1998-2000)
- Domestic offices
- 369 FDIC institution directory, current count
- Employees (FTE)
- 5,590
- Domestic deposits
- $52.19B
- Allowance for credit losses
- $457.9M
- Net charge-offs (YTD)
- $65.9M
- Average total assets
- $65.95B
- Average total loans
- $47.17B
- Average interest-bearing deposits
- $35.18B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- November 9, 1953
- FDIC Cert
- 17266
- Fed RSSD
- 143662
- SEC CIK
- 887343 → filed by COLUMBIA BANKING SYSTEM, INC.
- Website
- www.columbiabank.com/ →
- Parent Holding Company
- COLUMBIA BANKING SYSTEM, INC. (RSSD 2078816) · COLB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Clint Stein | CEO | Chair, CEO, President |
| Ivan A Seda | CFO | EVP, Chief Financial Officer |
| Frank Namdar | CCO | EVP Chief Credit Officer |
| Andrew H Ognall | CRO | EVP Chief Risk Officer |
| Baruffi Kumi Yamamoto | GC | EVP General Counsel, Corp Sec |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Columbia Bank's total assets moved between a low of $51.51B (Q1 2025) and a high of $67.49B (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$65.37B total assets against $51.89B; $57.52B total liabilities against $46.20B.
$46.77B net loans and leases against $37.28B; $52.19B total deposits against $41.82B.
$11.25B securities against $8.73B; $1.77B cash and balances due against $1.94B.
$810.9M total interest income against $672.2M; $212.8M total interest expense against $215.7M.
$598.1M net interest income against $456.5M.
$87.2M total noninterest income against $61.9M; $374.2M total noninterest expense against $276.7M.
$26.8M provision for credit losses against $29.4M.
$214.4M net income against $159.6M.
1.30% return on assets against 1.23%; 4.00% net interest margin against 3.84%.
12.21% CET1 capital ratio against 11.61%; 9.68% tier 1 leverage ratio against 9.19%.
Inside the full Columbia Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Columbia Bank rankings
Its closest position to the top of a national ranking is 44 of 4,196, for total assets; its furthest is 1,646 of 2,134, for CET1 ratio.
Banks merged into Columbia Bank
- Pacific Premier Bank, National Association, effective September 1, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.72% (Q1 2025) to 1.33% (Q4 2025) and its net interest margin ran from 3.67% (Q1 2025) to 4.13% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.21% | 1.30% | 0.57% | 3.13% | 4.00% |
| Q1 2026 | 12.24% | 1.19% | 0.55% | 2.80% | 3.99% |
| Q4 2025 | 12.32% | 1.33% | 0.42% | 1.90% | 4.13% |
| Q3 2025 | 12.15% | 0.72% | 0.41% | 2.04% | 3.98% |
| Q2 2025 | 11.61% | 1.23% | 0.48% | 2.49% | 3.84% |
| Q1 2025 | 11.46% | 0.72% | 0.47% | 2.46% | 3.67% |
| Q4 2024 | 11.37% | 1.17% | 0.45% | 2.19% | 3.76% |
| Q3 2024 | 11.17% | 1.17% | 0.45% | 2.26% | 3.68% |
Swipe the table sideways to see every column.
Branch Network
View all 360 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Columbia Bank (main office) | Roseburg , OR | 97470 | $7.64B |
| 1301 A Street Branch | Tacoma , WA | 98402 | $4.13B |
| 3rd & Seneca Branch | Seattle , WA | 98101 | $930.2M |
| Encino Branch | Encino , CA | 91436 | $734.0M |
| Irvine Financialhub Branch | Irvine , CA | 92614 | $618.3M |
| Roseville Main Branch | Roseville , CA | 95661 | $605.0M |
| Vancouver Branch | Vancouver , WA | 98660 | $528.1M |
| Bellevue 112th Branch | Bellevue , WA | 98004 | $508.8M |
| Olive Branch | Eugene , OR | 97401 | $480.6M |
| Pacific Premier Bank Branch | Irvine , CA | 92614 | $420.3M |
| Brentwood Branch | Los Angeles , CA | 90049 | $410.3M |
| Riverside Branch | Riverside , CA | 92501 | $406.6M |
| Bellevue Way Branch | Bellevue , WA | 98004 | $353.1M |
| Salem Downtown Branch | Salem , OR | 97301 | $349.4M |
| Moana Bank Branch | Reno , NV | 89502 | $343.0M |
| Santa Maria Branch | Santa Maria , CA | 93454 | $332.6M |
| Newport Beach Branch | Newport Beach , CA | 92660 | $331.4M |
| Crenshaw Financial Hub Branch | Los Angeles , CA | 90016 | $325.9M |
| Lake Oswego Pacific Corporate Center Branch | Tigard , OR | 97224 | $318.8M |
| Portland Main Branch | Portland , OR | 97204 | $294.3M |
| Santa Barbara Branch | Santa Barbara , CA | 93101 | $286.8M |
| Chehalis Branch | Chehalis , WA | 98532 | $274.1M |
| West 11th Branch | Eugene , OR | 97402 | $273.8M |
| Fox Tower | Portland , OR | 97205 | $267.4M |
| Morro Street Branch | San Luis Obispo , CA | 93401 | $257.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2025 | M&A | Acquired Pacific Premier Bank, National Association merger for the acquired bank | SEC |
| September 1, 2025 | Structure Change | Acquired Pacific Premier Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2024 | Structure Change | Acquired Columbia Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2024 | M&A | Acquired Columbia Trust Company merger for the acquired bank | SEC |
| March 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2023 | Structure Change | Acquired Columbia State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2023 | M&A | Acquired Columbia State Bank merger for the acquired bank | SEC |
| April 19, 2014 | M&A | Acquired Sterling Savings Bank merger for the acquired bank | SEC |
| April 19, 2014 | Structure Change | Acquired Sterling Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 18, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 15, 2012 | M&A | Acquired Circle Bank merger for the acquired bank | SEC |
| November 15, 2012 | Structure Change | Acquired Circle Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 14, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 2010 | M&A | Acquired Nevada Security Bank failure_government_assistance_provided for the acquired bank | SEC |
| June 19, 2010 | Structure Change | Acquired Nevada Security Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 18, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 27, 2010 | Structure Change | Acquired Rainier Pacific Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 27, 2010 | M&A | Acquired Rainier Pacific Savings Bank failure_government_assistance_provided for the acquired bank | SEC |
| February 26, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 23, 2010 | M&A | Acquired Evergreenbank failure_government_assistance_provided for the acquired bank | SEC |
| January 23, 2010 | Structure Change | Acquired Evergreenbank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 22, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 17, 2009 | Structure Change | Acquired Bank of Clark County Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 17, 2009 | M&A | Acquired Bank of Clark County failure_government_assistance_provided for the acquired bank | SEC |
| January 16, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 27, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 27, 2007 | Structure Change | Acquired Vintage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 27, 2007 | M&A | Acquired Vintage Bank merger for the acquired bank | SEC |
| June 3, 2006 | M&A | Acquired Western Sierra National Bank merger for the acquired bank | SEC |
| June 3, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 3, 2006 | Structure Change | Acquired Western Sierra National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2006 | Structure Change | Acquired HB Investment Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2006 | M&A | Acquired HB Investment Trust merger for the acquired bank | SEC |
| July 10, 2004 | Structure Change | Acquired Humboldt Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 10, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 10, 2004 | M&A | Acquired Humboldt Bank merger for the acquired bank | SEC |
| November 17, 2002 | M&A | Acquired Centennial Bank merger for the acquired bank | SEC |
| November 17, 2002 | Structure Change | Acquired Centennial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 15, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2001 | M&A | Acquired McKenzie State Bank merger for the acquired bank | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 42 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 18.3% of deposits in OR, rank 2 of 33 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 8,378 applications, 4,843 loans originated, $1.67B originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 636 loans, $62.1M approved, $98K average. 0.16% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 77 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Columbia Bank
What are Columbia Bank's total assets?
As of the Q2 2026 filing, Columbia Bank reported total assets of $65.37 billion in its FFIEC call report.
Where is Columbia Bank headquartered?
It is headquartered in Lake Oswego, OR, United States.
When was Columbia Bank founded?
It was established in 1953, per the FDIC institution directory.
Is Columbia Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17266). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Columbia Bank?
Columbia Bank's primary federal regulator is the FDIC.
What is Columbia Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.21% in its Q2 2026 call report, above regulatory requirements.
How many branches does Columbia Bank operate?
It operates 369 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Columbia Bank's Texas Ratio?
Its Texas Ratio is 3.13% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Columbia Bank previously called?
The charter now named Columbia Bank has also operated as Umpqua Bank (2000-2025), South Umpqua Bank (1998-2000), per FDIC structure-change records.
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