Columbia Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale dropped 24.9% in Q2 2026, from $81.3M to $61.1M. It was the largest change from Q1 2026 among the key lines here. Within Oregon, Columbia Bank is 4th of 12 on loan-to-deposit ratio, 90.49% as of Q2 2026, above the middle of the field. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $47.23B |
| Net loans and leases | $46.77B |
| Loans held for sale | $61.1M |
| Loans to total assets | 72.25% |
| Loan-to-deposit ratio | 90.49% |
| Net loans to equity capital | 5.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.76% |
| Multifamily (5+ residential) | 21.75% |
| Commercial and industrial | 16.11% |
| Consumer | 0.30% |
| Credit cards | 0.00% |
| Farm | 1.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.90% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 302.87% |
| Construction concentration (Tier 1 capital + allowance) | 30.49% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.80% |
| Interest income on loans | $679.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $37.23B | $41.66B | 29.22% | 16.57% | 0.54% |
| Q4 2023 | $37.47B | $41.66B | 28.99% | 17.05% | 0.54% |
| Q1 2024 | $37.69B | $41.76B | 29.26% | 17.00% | 0.53% |
| Q2 2024 | $37.77B | $41.58B | 28.82% | 17.08% | 0.56% |
| Q3 2024 | $37.57B | $41.58B | 29.08% | 16.51% | 0.51% |
| Q4 2024 | $37.75B | $41.79B | 28.93% | 16.96% | 0.48% |
| Q1 2025 | $37.68B | $42.29B | 28.91% | 16.79% | 0.47% |
| Q2 2025 | $37.70B | $41.82B | 28.78% | 16.82% | 0.42% |
| Q3 2025 | $48.80B | $55.90B | 30.45% | 15.52% | 0.32% |
| Q4 2025 | $48.04B | $54.34B | 30.25% | 16.01% | 0.33% |
| Q1 2026 | $47.78B | $53.61B | 29.85% | 15.70% | 0.30% |
| Q2 2026 | $47.23B | $52.19B | 29.76% | 16.11% | 0.30% |
Columbia Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Columbia Bank, freeSource: Call Report Schedule RC-C, 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)