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Columbia Bank

Lake Oswego, OR · Cert 17266 · Columbia Banking System Inc.

State charter, non-member · FDIC · 360 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

38

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

51

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Columbia Bank

Lake Oswego, OR · Cert 17266 · Columbia Banking System Inc.

State charter, non-member · FDIC · 360 branches

Q2 2026

$65.4BAssets
$47.2BLoans
$52.2BDeposits
$7.8BEquity
Loan mix
83%RE $36.1B17%C&I $7.5B0%Consumer $0.1BQ3 2024Q2 2026
Deposit mix
67%Interest-bearing $34.8B33%Noninterest $17.4BQ3 2024Q2 2026

Market Position · Seattle-Tacoma-Bellevue, WA · 2026 SOD (annual) · 7.4% share · #5 of 43 inst. · $10.5B of $143.1B

90.1% Douglas
32.5% Pierce
3.7% King
0.8% Los Angeles

Executive Summary

  • Earnings: ROA of 1.25%, up 27 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.57% of loans (+9 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 9.68%, up 49 bps from a year ago.
  • Funding: loans stand at 90.49% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.25%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.75%+23 bps YoY

Efficiency Ratio (YTD, annualized)

50.16%-515 bps YoY

Tier 1 Leverage Ratio

9.68%+49 bps YoY

NIM

5.27%Q2 ’245.09%Q2 ’254.94%Q2 ’26+3%+6%

Non-interest income vs. expense

2.15%Q2 ’242.37%Q2 ’252.32%Q2 ’26+5%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.09%0.72%0.98%0.85%1.00%1.19%1.25%+27 bps
Return on Equity10.18%10.41%6.73%9.05%7.64%8.80%9.84%10.33%+129 bps
Net Interest Margin3.44%3.49%3.44%3.53%3.40%3.12%3.74%3.75%+23 bps
Efficiency Ratio50.71%49.92%62.51%55.30%57.48%55.35%51.37%50.16%-515 bps
Non-Interest Burden1.74%1.73%2.13%1.89%1.89%1.68%1.88%1.82%-8 bps
Growth
Asset Growth (YoY)-0.13%-1.15%-1.36%-0.29%30.03%29.58%28.16%25.97%+2,626 bps
Loan Growth (YoY)0.91%0.75%-0.02%-0.17%29.90%27.25%26.80%25.26%+2,543 bps
Deposit Growth (YoY)-0.18%0.33%1.28%0.58%34.45%30.01%26.77%24.80%+2,422 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.45%0.47%0.48%0.41%0.42%0.55%0.57%+9 bps
Net Charge-Offs / Loans0.37%0.34%0.31%0.31%0.22%0.23%0.30%0.28%-3 bps
Allowance / Loans1.12%1.12%1.12%1.12%0.97%0.97%0.96%0.97%-15 bps
Allowance Coverage of NPLs2.5x2.5x2.4x2.3x2.4x2.3x1.7x1.7x-0.6x
Capital
Tier 1 Leverage Ratio8.72%8.97%9.02%9.19%11.43%9.70%9.72%9.68%+49 bps
Total Risk-Based Capital12.21%12.42%12.56%12.69%13.09%13.26%13.17%13.13%+44 bps
Equity / Assets10.84%10.62%10.85%10.96%11.99%12.18%12.07%12.00%+104 bps
Liquidity & Funding
Loans / Deposits90.35%90.33%89.10%90.15%87.30%88.41%89.11%90.49%+34 bps
Liquid Assets / Assets2.93%2.68%2.88%2.57%2.71%2.82%2.33%1.74%-83 bps
CRE / Total Capitaln/an/an/an/a444%430%429%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Columbia Bank

Lake Oswego, OR · Cert 17266 · Peer group: banks over $10B in assets (n=142-144) · Columbia Banking System Inc.

State charter, non-member · FDIC · 360 branches

Q2 2026

$65.4BAssets
$47.2BLoans
$52.2BDeposits
$7.8BEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 80% of banks over $10B in assets (rank 29 of 144).
  • Widest gap: total risk-based capital ratio trails 81% of banks over $10B in assets (rank 116 of 144).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.26%

Rank 71 of 144

Net Interest Margin

3.75%

Rank 29 of 144

Efficiency Ratio

55.97%

Rank 72 of 144

Equity / Assets

12.00%

Rank 50 of 144

Non-interest income vs. expense

$0.3B$1.5BINCOMEEXPENSE
Unfavorable gap of $1.2B · efficiency ratio beats 51% of banks over $10B in assets
Bank 55.97%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.26%1.00%1.26%1.54%Beats 51%71 / 144
Return on Equity10.52%8.98%11.34%14.40%Beats 42%84 / 144
Net Interest Margin3.75%2.82%3.31%3.68%Beats 80%29 / 144
Efficiency Ratio55.97%49.42%56.02%62.41%Beats 51%72 / 144
Asset Quality
Nonperforming Loans / Loans0.57%0.48%0.73%1.07%Beats 61%56 / 142
Net Charge-Offs / Loans0.16%0.05%0.11%0.22%Beats 36%92 / 142
Capital
Tier 1 Capital Ratio12.21%12.07%12.98%14.92%Beats 29%102 / 144
Total Risk-Based Capital Ratio13.13%13.39%14.14%16.25%Beats 19%116 / 144
Equity / Assets12.00%9.69%11.39%12.96%Beats 65%50 / 144
Liquidity & Funding
Loans / Deposits90.49%75.72%84.92%91.56%71st pctl42 / 143
Loans / Assets72.25%59.83%69.07%74.80%62nd pctl55 / 144
Brokered Deposits / Depositsn/aNot reported for this institution