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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.09% | 0.72% | 0.98% | 0.85% | 1.00% | 1.19% | 1.25% | +27 bps | |
| Return on Equity | 10.18% | 10.41% | 6.73% | 9.05% | 7.64% | 8.80% | 9.84% | 10.33% | +129 bps | |
| Net Interest Margin | 3.44% | 3.49% | 3.44% | 3.53% | 3.40% | 3.12% | 3.74% | 3.75% | +23 bps | |
| Efficiency Ratio | 50.71% | 49.92% | 62.51% | 55.30% | 57.48% | 55.35% | 51.37% | 50.16% | -515 bps | |
| Non-Interest Burden | 1.74% | 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 / Loans | 0.45% | 0.45% | 0.47% | 0.48% | 0.41% | 0.42% | 0.55% | 0.57% | +9 bps | |
| Net Charge-Offs / Loans | 0.37% | 0.34% | 0.31% | 0.31% | 0.22% | 0.23% | 0.30% | 0.28% | -3 bps | |
| Allowance / Loans | 1.12% | 1.12% | 1.12% | 1.12% | 0.97% | 0.97% | 0.96% | 0.97% | -15 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.5x | 2.4x | 2.3x | 2.4x | 2.3x | 1.7x | 1.7x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.72% | 8.97% | 9.02% | 9.19% | 11.43% | 9.70% | 9.72% | 9.68% | +49 bps | |
| Total Risk-Based Capital | 12.21% | 12.42% | 12.56% | 12.69% | 13.09% | 13.26% | 13.17% | 13.13% | +44 bps | |
| Equity / Assets | 10.84% | 10.62% | 10.85% | 10.96% | 11.99% | 12.18% | 12.07% | 12.00% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.35% | 90.33% | 89.10% | 90.15% | 87.30% | 88.41% | 89.11% | 90.49% | +34 bps | |
| Liquid Assets / Assets | 2.93% | 2.68% | 2.88% | 2.57% | 2.71% | 2.82% | 2.33% | 1.74% | -83 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 444% | 430% | 429% | n/a | n/a | |