BlastPoint's Banking Scorecard

Columbia Bank

$10B-$250B Specialty: Commercial OR FDIC cert 17266

Roseburg, OR

377 branches across WA · OR · CA · ID · AZ · NV · CO · UT

137 banks in the $10B-$250B peer group nationally 1 in OR

Columbia Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 70.0% in tier
+ Efficiency Ratio 2.64% below tier average
+ Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

- ROA 0.09% below tier average

Get updates when Columbia Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Total Assets ?	$66.0B +28.2% YoY -1.2% QoQ	+$19.0B	$47.0B -1.9% YoY	$5.7B +33.4% YoY	$6.2B +9.1% YoY	81%
Total Loans ?	$47.3B +27.0% YoY -0.5% QoQ	+$18.0B	$29.4B -0.4% YoY	$4.1B +32.8% YoY	$3.2B +10.8% YoY	82%
Total Deposits ?	$53.6B +26.8% YoY -1.3% QoQ	+$15.2B	$38.4B -1.6% YoY	$4.7B +32.1% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	1.19% +65.3% YoY +18.9% QoQ	-0.09%	1.28% +18.7% YoY	1.04% +38.9% YoY	1.23% +13.4% YoY	50%
Net Interest Margin ?	4.00% +8.3% YoY +3.2% QoQ	+0.23%	3.77% +5.8% YoY	4.00% +9.5% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	51.37% -17.8% YoY -7.2% QoQ	-2.64%	54.01% -3.7% YoY	68.69% -8.8% YoY	66.95% -4.1% YoY	66%
Delinquency Rate ?	0.56% +17.3% YoY +32.6% QoQ	-0.46%	1.02% -3.8% YoY	0.86% +80.8% YoY	0.95% +18.8% YoY	62%
Loan-to-Deposit Ratio ?	88.26% +0.2% YoY +0.8% QoQ	+7.47%	80.79% +1.9% YoY	77.62% +0.2% YoY	76.70% +0.9% YoY	36%
Non-Interest-Bearing Deposit Share ?	33.13% +3.9% YoY +2.6% QoQ	+13.09%	20.04% +0.2% YoY	23.66% -0.4% YoY	22.01% -1.2% YoY	Top 9.5% in tier
Nonperforming Asset Ratio ?	0.41% +15.8% YoY +33.5% QoQ	-0.32%	0.72% +4.2% YoY	0.62% +95.5% YoY	0.67% +19.3% YoY	63%
Tier 1 Capital Ratio ?	12.25% +6.8% YoY -0.6% QoQ	-3.27%	15.51% -0.4% YoY	15.70% +2.5% YoY	17.06% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.12% +0.3% YoY -71.2% QoQ	-0.10%	0.22% +0.3% YoY	0.15% -3.7% YoY	0.32% +4.1% YoY	35%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#8 of 10 • Top 70.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 33.13%

(Tier: 20.04%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.00%

(Tier: 3.77%, National: 3.89%)

better than tier avg

10 of 10 Large banks match · 369 nationally

→ Stable -14 banks QoQ

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (5 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 33.13%

Peer Median: 20.04%

#14 of 137 Top 9.5% in $10B-$250B

Total Loans

size

Value: $47.32B

Peer Median: $29.36B

#25 of 137 Top 17.5% in $10B-$250B

Total Assets

size

Value: $66.01B

Peer Median: $46.96B

#27 of 137 Top 19.0% in $10B-$250B

Total Deposits

size

Value: $53.61B

Peer Median: $38.42B

#28 of 137 Top 19.7% in $10B-$250B

Net Interest Margin

profitability

Value: 4.00%

Peer Median: 3.77%

#28 of 137 Top 19.7% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available