Columbia Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 14.7% higher than in Q1 2026, at -$519.4M. Columbia Bank has the 1st lowest CET1 ratio of the 6 banks headquartered in Oregon, at 12.21% as of Q2 2026. Columbia Bank reported 12.21% on CET1 ratio for Q2 2026, 0.75 points below the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.21% |
| Tier 1 risk-based capital ratio | 12.21% |
| Total risk-based capital ratio | 13.13% |
| Tier 1 leverage ratio | 9.68% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $6.20B |
| Tier 1 capital | $6.20B |
| Total risk-based capital | $6.67B |
| Total equity capital | $7.85B |
| Risk-weighted assets | $50.78B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.00% |
| Tangible equity to tangible assets | 9.06% |
| Equity capital to average assets | 11.90% |
| Internal capital growth rate | 4.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.59B |
| Common stock surplus | $5.05B |
| Retained earnings | -$519.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$274.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.48% | 10.48% | 11.45% | 8.13% | $40.31B |
| Q4 2023 | 10.55% | 10.55% | 11.61% | 8.30% | $40.10B |
| Q1 2024 | 10.68% | 10.68% | 11.70% | 8.41% | $40.16B |
| Q2 2024 | 10.82% | 10.82% | 11.84% | 8.53% | $40.25B |
| Q3 2024 | 11.17% | 11.17% | 12.21% | 8.72% | $39.79B |
| Q4 2024 | 11.37% | 11.37% | 12.42% | 8.97% | $39.86B |
| Q1 2025 | 11.46% | 11.46% | 12.56% | 9.02% | $39.72B |
| Q2 2025 | 11.61% | 11.61% | 12.69% | 9.19% | $40.04B |
| Q3 2025 | 12.15% | 12.15% | 13.09% | 11.43% | $51.83B |
| Q4 2025 | 12.32% | 12.32% | 13.26% | 9.70% | $51.44B |
| Q1 2026 | 12.24% | 12.24% | 13.17% | 9.72% | $51.15B |
| Q2 2026 | 12.21% | 12.21% | 13.13% | 9.68% | $50.78B |
Columbia Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Columbia Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Columbia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17266) · FFIEC NIC profile (RSSD 143662)