Columbia Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money climbed 25.0% in Q2 2026, from $3.40B to $4.25B. It was the largest change from Q1 2026 among the key lines here. Columbia Bank ranks 4th of 12 Oregon banks on loan-to-deposit ratio, in the upper half at 90.49% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Columbia Bank sits 3.65 points higher, at 90.49% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.77B |
| Cash and noninterest-bearing balances to assets | 2.70% |
| Cash and securities | $13.02B |
| Fed funds sold and reverse repos | $2K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $189.0M |
| Other borrowed money | $4.25B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.49% |
| Net loans and leases to deposits | 89.61% |
| Loans and leases to core deposits | 93.33% |
| Core deposits to total deposits | 93.77% |
| Brokered deposits to total deposits | 3.18% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 89.37% | 90.33% | $258.4M | $3.95B |
| Q4 2023 | 89.95% | 89.96% | $252.1M | $3.95B |
| Q1 2024 | 90.26% | 89.78% | $213.6M | $3.90B |
| Q2 2024 | 90.82% | 89.50% | $197.9M | $3.90B |
| Q3 2024 | 90.35% | 91.01% | $183.8M | $3.65B |
| Q4 2024 | 90.33% | 89.87% | $236.6M | $3.10B |
| Q1 2025 | 89.10% | 90.21% | $192.4M | $2.55B |
| Q2 2025 | 90.15% | 89.36% | $191.4M | $3.35B |
| Q3 2025 | 87.30% | 90.67% | $166.9M | $2.30B |
| Q4 2025 | 88.41% | 91.22% | $207.3M | $3.20B |
| Q1 2026 | 89.11% | 92.73% | $161.8M | $3.40B |
| Q2 2026 | 90.49% | 93.77% | $189.0M | $4.25B |
Columbia Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Columbia Bank, freeSource: Call Report Schedules RC and RC-M, 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)