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
Unfavorable gap of $1.2B · efficiency ratio beats 51% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.26% | 1.00% | 1.26% | 1.54% | Beats 51% | 71 / 144 | |
| Return on Equity | 10.52% | 8.98% | 11.34% | 14.40% | Beats 42% | 84 / 144 | |
| Net Interest Margin | 3.75% | 2.82% | 3.31% | 3.68% | Beats 80% | 29 / 144 | |
| Efficiency Ratio | 55.97% | 49.42% | 56.02% | 62.41% | Beats 51% | 72 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.57% | 0.48% | 0.73% | 1.07% | Beats 61% | 56 / 142 | |
| Net Charge-Offs / Loans | 0.16% | 0.05% | 0.11% | 0.22% | Beats 36% | 92 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 12.21% | 12.07% | 12.98% | 14.92% | Beats 29% | 102 / 144 | |
| Total Risk-Based Capital Ratio | 13.13% | 13.39% | 14.14% | 16.25% | Beats 19% | 116 / 144 | |
| Equity / Assets | 12.00% | 9.69% | 11.39% | 12.96% | Beats 65% | 50 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 90.49% | 75.72% | 84.92% | 91.56% | 71st pctl | 42 / 143 | |
| Loans / Assets | 72.25% | 59.83% | 69.07% | 74.80% | 62nd pctl | 55 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |