BlastPoint's Banking Scorecard
Columbia Bank
Roseburg, OR
378 branches across WA · OR · CA · ID · AZ · NV · CO · UT
Columbia Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 66.7% in tier
- + Efficiency Ratio 2.53% below tier average
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
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
|
+$18.6B |
$47.4B
-2.0% YoY
|
$5.7B
+24.6% YoY
|
$6.2B
+9.0% YoY
|
81% |
| Total Loans ? |
$47.3B
+27.0% YoY
-0.5% QoQ
|
+$17.7B |
$29.6B
-0.4% YoY
|
$4.1B
+23.7% YoY
|
$3.2B
+10.7% YoY
|
82% |
| Total Deposits ? |
$53.6B
+26.8% YoY
-1.3% QoQ
|
+$14.9B |
$38.7B
-1.6% YoY
|
$4.7B
+23.4% YoY
|
$4.8B
+8.0% YoY
|
80% |
| Return on Assets ? |
1.19%
+65.3% YoY
+18.9% QoQ
|
-0.09% |
1.28%
+19.3% YoY
|
1.04%
+29.5% YoY
|
1.24%
+13.1% YoY
|
49% |
| Net Interest Margin ? |
4.00%
+8.3% YoY
+3.2% QoQ
|
+0.23% |
3.77%
+5.6% YoY
|
4.00%
+7.0% YoY
|
3.89%
+5.7% YoY
|
81% |
| Efficiency Ratio ? |
51.37%
-17.8% YoY
-7.2% QoQ
|
-2.53% |
53.90%
-4.0% YoY
|
68.69%
-6.5% YoY
|
66.84%
-3.8% YoY
|
65% |
| Delinquency Rate ? |
0.56%
+17.3% YoY
+32.6% QoQ
|
-0.46% |
1.02%
-4.1% YoY
|
0.86%
+88.5% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
88.26%
+0.2% YoY
+0.8% QoQ
|
+7.37% |
80.88%
+2.0% YoY
|
77.62%
-2.0% YoY
|
76.69%
+0.9% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
33.13%
+3.9% YoY
+2.6% QoQ
|
+13.30% |
19.82%
+0.3% YoY
|
23.66%
-0.9% YoY
|
22.01%
-1.1% YoY
|
Top 8.9% in tier |
| Nonperforming Asset Ratio ? |
0.41%
+15.8% YoY
+33.5% QoQ
|
-0.32% |
0.73%
+4.0% YoY
|
0.62%
+94.3% YoY
|
0.66%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
12.25%
+6.8% YoY
-0.6% QoQ
|
-3.32% |
15.56%
-0.1% YoY
|
15.70%
+5.0% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.12%
+0.3% YoY
-71.2% QoQ
|
-0.10% |
0.23%
+0.9% YoY
|
0.15%
-4.8% YoY
|
0.32%
+4.0% YoY
|
34% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.