BlastPoint

BlastPoint's Banking Scorecard

Columbia Bank

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

Roseburg, OR

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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 1 in OR.
  • Deposits +24.8% year over year ($52.2B on the books).
  • Delinquency rate 0.58%.
  • Return on assets 1.25%.
  • Efficiency ratio 50.16% vs a 53.67% peer average.
  • Loan-to-deposit ratio 89.61% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 1 in OR
View $10B-$250B leaderboard (OR) →

Columbia Bank has 3 strengths but faces 2 concerns

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 66.7% in tier
  • + Efficiency Ratio 3.51% below tier average
  • + Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 41.8% in tier
  • - ROA 0.14% below tier average
Get updates when Columbia Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Total Assets ? $65.4B
+26.0% YoY -1.0% QoQ
+$21.8B $43.6B
-13.8% YoY
$5.7B
+22.7% YoY
$6.3B
+7.7% YoY
81%
Total Loans ? $46.8B
+25.4% YoY -1.2% QoQ
+$18.8B $28.0B
-8.6% YoY
$4.0B
+22.6% YoY
$3.2B
+9.4% YoY
84%
Total Deposits ? $52.2B
+24.8% YoY -2.7% QoQ
+$16.8B $35.4B
-14.0% YoY
$4.6B
+21.5% YoY
$4.9B
+7.3% YoY
81%
Return on Assets ? 1.25%
+27.7% YoY +4.6% QoQ
-0.14% 1.39%
+25.9% YoY
1.08%
+20.6% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 4.01%
+6.1% YoY +0.2% QoQ
+0.09% 3.92%
+8.9% YoY
4.07%
+6.4% YoY
3.95%
+4.9% YoY
77%
Efficiency Ratio ? 50.16%
-9.3% YoY -2.4% QoQ
-3.51% 53.67%
-1.9% YoY
67.33%
-5.7% YoY
70.05%
+2.5% YoY
69%
Delinquency Rate ? 0.58%
+18.6% YoY +3.7% QoQ
-0.43% 1.01%
-2.8% YoY
0.89%
+33.0% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 89.61%
+0.5% YoY +1.5% QoQ
+7.00% 82.61%
+3.1% YoY
79.79%
+0.1% YoY
79.03%
+2.3% YoY
30%
Non-Interest-Bearing Deposit Share ? 33.25%
+4.6% YoY +0.4% QoQ
+12.67% 20.58%
+4.9% YoY
23.65%
+0.1% YoY
21.98%
-0.6% YoY
Top 10.1% in tier
Nonperforming Asset Ratio ? 0.42%
+18.4% YoY +4.1% QoQ
-0.31% 0.73%
+5.8% YoY
0.61%
+33.6% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 12.21%
+5.2% YoY -0.3% QoQ
-3.14% 15.35%
-0.4% YoY
15.47%
+2.0% YoY
17.09%
+0.8% YoY
28%
Non-Interest Income / Assets ? 0.26%
+6.9% YoY +110.3% QoQ
-0.24% 0.50%
+10.5% YoY
0.29%
-8.1% YoY
0.66%
+5.2% YoY
35%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Noninterest-Bearing 33.2%
+1.5pp YoY
+0.1pp QoQ
 +12.2pp 21.0% 23.6% 22.2% 89%
Brokered Deposits 3.2%
-4.8pp YoY
-1.0pp QoQ
 -6.0pp 9.2% 2.9% 8.5% 32%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
C&I 16.3%
-0.7pp YoY
+0.4pp QoQ
 -0.9pp 17.2% 11.0% 12.5% 54%
CRE 56.4%
+4.6pp YoY
-0.4pp QoQ
 +14.3pp 42.0% 62.1% 41.4% 78%
1-4 Family 17.4%
-4.7pp YoY
-0.4pp QoQ
 -5.7pp 23.1% 17.1% 31.3% 36%
Consumer 0.3%
-0.1pp YoY
0.0pp QoQ
 -12.6pp 12.9% 1.0% 5.0% 18%

Capital

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
CET1 Ratio 12.2%
+0.6pp YoY
0.0pp QoQ
 -3.1pp 15.3% 18.9% 19.7% 28%
Leverage Ratio 9.7%
+0.5pp YoY
0.0pp QoQ
 -0.7pp 10.4% 12.5% 12.6% 34%
Total Capital Ratio 13.1%
+0.4pp YoY
0.0pp QoQ
 -3.4pp 16.5% 20.0% 20.8% 19%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Full-Time Employees 5,590
+990 (+21.5%) YoY
-225 (-3.9%) QoQ
 +2,332 3,258 526 482 86%
Assets per Employee ($) $11.7M
+3.7% YoY
+3.0% QoQ
 -$15.3M $27.0M $7.4M $8.8M 45%
Branch Count 369
+52 (+16.4%) YoY
+2 (+0.5%) QoQ
 +231 137 35 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Past Due 90+ Days 0.2%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.4% 0.1% 0.4% 77%
Nonaccrual 0.4%
+0.1pp YoY
0.0pp QoQ
 -0.3pp 0.7% 0.9% 1.0% 24%
Allowance Coverage 1.69x
-26.9% YoY
-2.7% QoQ
 -1.12x 2.81x 7.38x 20.23x 48%
Net Charge-off Rate (YTD) 0.3%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.4% 0.1% 0.2% 70%

Profitability

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
ROE 10.3%
+1.3pp YoY
+0.5pp QoQ
 -2.3pp 12.6% 9.1% 11.6% 43%
Cost of Funds (YTD) 1.4%
-0.4pp YoY
0.0pp QoQ
 -0.5pp 2.0% 1.3% 1.7% 23%
Net Income ($, YTD) $412.6M
+63.3% YoY
— QoQ
 +$115.8M $296.8M $35.5M $40.4M 79%

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
#7 of 9 • Top 66.7% 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: 33.25%
(Tier: 20.58%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.01%
(Tier: 3.92%, National: 3.95%)
better than tier avg
9 of 9 Large banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (1)

Credit Quality Pressure

risk
#29 of 67 • Bottom 41.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.58%
(Tier: 1.01%, National: 0.98%)
better than tier avg
67 of 67 Large banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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).
Comparing against 139 peers in $10B-$250B

Top Strengths (5 metrics)

15
Non-Interest-Bearing Deposit Share
funding
Value: 33.25%
Peer Median: 20.58%
#15 of 139 Top 10.1% in $10B-$250B
23
Total Loans
size
Value: $46.77B
Peer Median: $27.97B
#23 of 139 Top 15.8% in $10B-$250B
27
Total Assets
size
Value: $65.37B
Peer Median: $43.60B
#27 of 139 Top 18.7% in $10B-$250B
27
Total Deposits
size
Value: $52.19B
Peer Median: $35.42B
#27 of 139 Top 18.7% in $10B-$250B
33
Net Interest Margin
profitability
Value: 4.01%
Peer Median: 3.92%
#33 of 139 Top 23.0% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026