Columbia Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 2.81 percentage points higher than in Q1 2026, at 157.47%. Columbia Bank ranks 4th of 12 Oregon banks on return on assets, in the upper half at 1.30% (Q2 2026). At 1.30%, Columbia Bank's return on assets is close to the 1.30% median for banks in the $10B-100B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.21% |
| Tier 1 risk-based capital ratio | 12.21% |
| Total risk-based capital ratio | 13.13% |
| Tier 1 leverage ratio | 9.68% |
| Equity capital to assets | 12.00% |
| Tangible equity to tangible assets | 9.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.62% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | 0.26% |
| Texas ratio | 6.26% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 157.47% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 10.85% |
| Net interest margin | 4.00% |
| Efficiency ratio | 48.45% |
| Yield on earning assets | 5.41% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.49% |
| Core deposits to total deposits | 93.77% |
| Brokered deposits to total deposits | 3.18% |
| Deposits to assets | 79.84% |
| Securities to assets | 17.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.48% | 10.48% | 11.45% | 8.13% | 1.08% |
| Q4 2023 | 10.55% | 10.55% | 11.61% | 8.30% | 0.78% |
| Q1 2024 | 10.68% | 10.68% | 11.70% | 8.41% | 1.01% |
| Q2 2024 | 10.82% | 10.82% | 11.84% | 8.53% | 0.97% |
| Q3 2024 | 11.17% | 11.17% | 12.21% | 8.72% | 1.17% |
| Q4 2024 | 11.37% | 11.37% | 12.42% | 8.97% | 1.17% |
| Q1 2025 | 11.46% | 11.46% | 12.56% | 9.02% | 0.72% |
| Q2 2025 | 11.61% | 11.61% | 12.69% | 9.19% | 1.23% |
| Q3 2025 | 12.15% | 12.15% | 13.09% | 11.43% | 0.72% |
| Q4 2025 | 12.32% | 12.32% | 13.26% | 9.70% | 1.33% |
| Q1 2026 | 12.24% | 12.24% | 13.17% | 9.72% | 1.19% |
| Q2 2026 | 12.21% | 12.21% | 13.13% | 9.68% | 1.30% |
Columbia Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Columbia Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)