Lake Oswego, OR · Cert 17266 · Columbia Banking System Inc.
State charter, non-member · FDIC · 360 branches
Q2 2026
Market Position · Seattle-Tacoma-Bellevue, WA · 2026 SOD (annual) · 7.4% share · #5 of 43 inst. · $10.5B of $143.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | 0.69% | 1.34% | 1.19% | 1.31% | +7 bps | |
| Return on Equity | 11.32% | 6.01% | 11.07% | 9.84% | 10.85% | -47 bps | |
| Net Interest Margin | 3.61% | 3.74% | 3.89% | 3.74% | 3.74% | +12 bps | |
| Efficiency Ratio | 48.39% | 61.23% | 50.63% | 51.37% | 48.95% | +56 bps | |
| Non-Interest Burden | 1.66% | 2.22% | 1.91% | 1.88% | 1.74% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.29% | 30.03% | 29.58% | 28.16% | 25.97% | +2,626 bps | |
| Loan Growth (YoY) | -0.17% | 29.90% | 27.25% | 26.80% | 25.26% | +2,543 bps | |
| Deposit Growth (YoY) | 0.58% | 34.45% | 30.01% | 26.77% | 24.80% | +2,422 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.48% | 0.41% | 0.42% | 0.55% | 0.57% | +9 bps | |
| Net Charge-Offs / Loans | 0.31% | 0.19% | 0.24% | 0.30% | 0.26% | -6 bps | |
| Allowance / Loans | 1.12% | 0.97% | 0.97% | 0.96% | 0.97% | -15 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.4x | 2.3x | 1.7x | 1.7x | -0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.19% | 11.43% | 9.70% | 9.72% | 9.68% | +49 bps | |
| Total Risk-Based Capital | 12.69% | 13.09% | 13.26% | 13.17% | 13.13% | +44 bps | |
| Equity / Assets | 10.96% | 11.99% | 12.18% | 12.07% | 12.00% | +104 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.15% | 87.30% | 88.41% | 89.11% | 90.49% | +34 bps | |
| Liquid Assets / Assets | 2.57% | 2.71% | 2.82% | 2.33% | 1.74% | -83 bps | |
| CRE / Total Capital | n/a | 444% | 430% | 429% | n/a | n/a | |