Columbia Bank (Lake Oswego, OR): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Lake Oswego, OR, Columbia Bank operates as a regional commercial bank with multi-state coverage. Columbia's Q2 2026 balance sheet shows $65.4B in assets funded primarily by $52.2B in customer deposits. Returns are notably above industry norms: 1.30% ROA, 10.85% ROE, and 4.00% NIM. Capital cushions are healthy: 12.21% CET1, 9.68% Tier 1 leverage. Asset quality is solid, 0.62% nonperforming loans and a 6.26% Texas Ratio. Columbia runs a 368-branch network across multiple states.
As of June 30, 2026, Columbia Bank reported a CET1 capital ratio of 12.21%, a return on assets of 1.30%, a nonperforming-loan ratio of 0.62%, a Texas ratio of 6.26%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 445 Se Main St, Lake Oswego, OR 97470
- County
- Douglas
- Metro Area
- Roseburg, OR
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 9, 1953
- Former names
- Umpqua Bank (2000-2025); South Umpqua Bank (1998-2000)
- Offices
- 368 domestic
- Employees (FTE)
- 5,590
- Domestic deposits
- $52.19B
- Allowance for credit losses
- $457.9M
- Net charge-offs (YTD)
- $65.9M
- Average total assets
- $65.95B
- Average total loans
- $47.17B
- Average interest-bearing deposits
- $35.18B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- November 9, 1953
- FDIC Cert
- 17266
- Fed RSSD
- 143662
- SEC CIK
- 887343 → filed by COLUMBIA BANKING SYSTEM, INC.
- Website
- www.columbiabank.com/ →
- Parent Holding Company
- COLUMBIA BANKING SYSTEM, INC. (RSSD 2078816) · COLB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Stein Clint | CEO | Chair, CEO, President |
| Seda Ivan A | CFO | EVP, Chief Financial Officer |
| Namdar Frank | CCO | EVP Chief Credit Officer |
| Ognall Andrew H | CRO | EVP Chief Risk Officer |
| Baruffi Kumi Yamamoto | GC | EVP General Counsel, Corp Sec |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Columbia Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Columbia Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Columbia Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Columbia Bank
- Pacific Premier Bank, National Association, effective September 1, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.21% | 1.30% | 0.62% | 6.26% | 4.00% |
| Q1 2026 | 12.24% | 1.19% | 0.62% | 6.03% | 3.99% |
| Q4 2025 | 12.32% | 1.33% | 0.58% | 5.73% | 4.13% |
| Q3 2025 | 12.15% | 0.72% | 0.57% | 5.67% | 3.98% |
| Q2 2025 | 11.61% | 1.23% | 0.70% | 7.52% | 3.84% |
| Q1 2025 | 11.46% | 0.72% | 0.66% | 6.76% | 3.67% |
| Q4 2024 | 11.37% | 1.17% | 0.67% | 7.49% | 3.76% |
| Q3 2024 | 11.17% | 1.17% | 0.70% | 7.44% | 3.68% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 360 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Columbia Bank (main office) | Roseburg , OR | 97470 | $7.64B |
| 1301 A Street Branch | Tacoma , WA | 98402 | $4.13B |
| 3rd & Seneca Branch | Seattle , WA | 98101 | $930.2M |
| Encino Branch | Encino , CA | 91436 | $734.0M |
| Irvine Financialhub Branch | Irvine , CA | 92614 | $618.3M |
| Roseville Main Branch | Roseville , CA | 95661 | $605.0M |
| Vancouver Branch | Vancouver , WA | 98660 | $528.1M |
| Bellevue 112th Branch | Bellevue , WA | 98004 | $508.8M |
| Olive Branch | Eugene , OR | 97401 | $480.6M |
| Pacific Premier Bank Branch | Irvine , CA | 92614 | $420.3M |
| Brentwood Branch | Los Angeles , CA | 90049 | $410.3M |
| Riverside Branch | Riverside , CA | 92501 | $406.6M |
| Bellevue Way Branch | Bellevue , WA | 98004 | $353.1M |
| Salem Downtown Branch | Salem , OR | 97301 | $349.4M |
| Moana Bank Branch | Reno , NV | 89502 | $343.0M |
| Santa Maria Branch | Santa Maria , CA | 93454 | $332.6M |
| Newport Beach Branch | Newport Beach , CA | 92660 | $331.4M |
| Crenshaw Financial Hub Branch | Los Angeles , CA | 90016 | $325.9M |
| Lake Oswego Pacific Corporate Center Branch | Tigard , OR | 97224 | $318.8M |
| Portland Main Branch | Portland , OR | 97204 | $294.3M |
| Santa Barbara Branch | Santa Barbara , CA | 93101 | $286.8M |
| Chehalis Branch | Chehalis , WA | 98532 | $274.1M |
| West 11th Branch | Eugene , OR | 97402 | $273.8M |
| Fox Tower | Portland , OR | 97205 | $267.4M |
| Morro Street Branch | San Luis Obispo , CA | 93401 | $257.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2025 | M&A | merger | SEC |
| September 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2025 | Structure Change | Acquired Pacific Premier Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2024 | M&A | merger | SEC |
| January 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2024 | Structure Change | Acquired Columbia Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2023 | M&A | merger | SEC |
| March 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2023 | Structure Change | Acquired Columbia State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 19, 2014 | M&A | merger | SEC |
| April 19, 2014 | Structure Change | Acquired Sterling Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 18, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 15, 2012 | M&A | merger | SEC |
| November 15, 2012 | Structure Change | Acquired Circle Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 14, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 2010 | M&A | failure_government_assistance_provided | SEC |
| June 19, 2010 | Structure Change | Acquired Nevada Security Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 18, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 27, 2010 | M&A | failure_government_assistance_provided | SEC |
| February 27, 2010 | Structure Change | Acquired Rainier Pacific Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 26, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 23, 2010 | M&A | failure_government_assistance_provided | SEC |
| January 23, 2010 | Structure Change | Acquired Evergreenbank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 22, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 17, 2009 | M&A | failure_government_assistance_provided | SEC |
| January 17, 2009 | Structure Change | Acquired Bank of Clark County Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 16, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 27, 2007 | M&A | merger | SEC |
| April 27, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 27, 2007 | Structure Change | Acquired Vintage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 3, 2006 | M&A | merger | SEC |
| June 3, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 3, 2006 | Structure Change | Acquired Western Sierra National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2006 | M&A | merger | SEC |
| January 1, 2006 | Structure Change | Acquired HB Investment Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 10, 2004 | M&A | merger | SEC |
| July 10, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 10, 2004 | Structure Change | Acquired Humboldt Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 17, 2002 | M&A | merger | SEC |
| November 17, 2002 | Structure Change | Acquired Centennial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 15, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2001 | M&A | merger | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 42 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Columbia Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 18.3% of deposits in OR, rank 2 of 34 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 8,378 applications, 4,843 loans originated, $1.67B originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 76 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Columbia Bank
What are Columbia Bank's total assets?
As of the Q2 2026 filing, Columbia Bank reported total assets of $65.37 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Columbia Bank headquartered?
Columbia Bank is headquartered in Lake Oswego, OR, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Columbia Bank founded?
Columbia Bank was established in 1953, per the FDIC institution directory.
Is Columbia Bank FDIC-insured?
Yes. Columbia Bank is an FDIC-insured commercial bank (FDIC Certificate #17266). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Columbia Bank?
Columbia Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Columbia Bank's CET1 capital ratio?
Columbia Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.21% in its Q2 2026 call report, above regulatory requirements.
How many branches does Columbia Bank operate?
Columbia Bank operates 368 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Columbia Bank's Texas Ratio?
Columbia Bank's Texas Ratio is 6.26% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Columbia Bank previously called?
The charter now named Columbia Bank has also operated as Umpqua Bank (2000-2025), South Umpqua Bank (1998-2000), per FDIC structure-change records.
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