Columbia Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Total interest expense edged down by 0.9%, from $214.7M to $212.8M, the largest move among the key lines here. Columbia Bank ranks 6th of 12 Oregon banks on net interest margin, in the upper half at 4.00% (Q2 2026). Columbia Bank reported 4.00% on net interest margin for Q2 2026, 0.40 points above the 3.60% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.41% |
| Yield on loans | 5.80% |
| Yield on securities | 3.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 1.95% |
| Cost of interest-bearing liabilities | 2.16% |
| Cost of borrowings | 3.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.00% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $679.7M |
| Total interest expense | $212.8M |
| Interest expense on deposits | $172.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.73% | 1.74% | 4.06% | 6.16% | 3.93% |
| Q4 2023 | 5.81% | 1.99% | 3.91% | 6.21% | 4.01% |
| Q1 2024 | 5.70% | 2.18% | 3.62% | 6.15% | 3.76% |
| Q2 2024 | 5.81% | 2.25% | 3.67% | 6.22% | 4.05% |
| Q3 2024 | 5.83% | 2.27% | 3.68% | 6.29% | 3.87% |
| Q4 2024 | 5.68% | 2.04% | 3.76% | 6.12% | 3.86% |
| Q1 2025 | 5.46% | 1.89% | 3.67% | 5.89% | 3.66% |
| Q2 2025 | 5.64% | 1.90% | 3.84% | 6.02% | 4.10% |
| Q3 2025 | 5.71% | 1.81% | 3.98% | 6.08% | 4.28% |
| Q4 2025 | 5.58% | 1.55% | 4.13% | 5.97% | 4.17% |
| Q1 2026 | 5.40% | 1.50% | 3.99% | 5.75% | 4.20% |
| Q2 2026 | 5.41% | 1.49% | 4.00% | 5.80% | 3.99% |
Columbia Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Columbia Bank, freeSource: Call Report Schedules RI and RC-K, 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)