← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · Oregon, the state note

Columbia Bank

Roseburg, Oregon · $65.37B in assets · beside the 11 other the Pacific states banks over $10B (the state alone holds too few in the band to rank)

The filing

291.9%
CRE / capital
10th of 12
+25.3%
Loans, year over year
3rd of 12, largest first
1.25%
ROA
4th of 12

Columbia Bank is the third largest of the 12 the Pacific states banks nearest its size over $10B, with $65.37B in assets at 30 June 2026. Loans are 90.5% of deposits, 8th of 12 against a median of 86.9%, and equity is 12.0% of assets, 5th of 12. Loans grew +25.3% in the year, 3rd of 12, and deposits grew 24.8%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 0.57% of the book, 8th of 12 against a median of 0.49%; 0.27% is 30 to 89 days past due, and the allowance covers them 1.7 times. Net charge-offs are 0.28% of loans, 11th of 12. Commercial real estate is 41.2% of loans, 8th of 12 against a median of 38.5%, and 292% of capital, below the 300% screen, with construction at 30% against the 100% screen.

Return on assets is 1.25%, 4th of 12 against a median of 1.03%, on an efficiency ratio of 56.0%, 7th of 12. Five years ago it was 1.51%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate against capital, the 300% screenPacific states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 271% CN City National Bank 108% Bo Bank of Hawaii 186% AB Axos Bank 188% FH First Hawaiian Bank 189% EW East West Bank 206% Bo Bank of Hope 271% CB Cathay Bank 272% CB Citizens Business Bank N.A. 281% Bo Banc of California 291% CB Columbia Bank 292% WB Wafd Bank 332% MB Mechanics Bank 340%
Loans, year over yearPacific states banks over $10B · 30 June 2026 · no better direction, largest first
median +5.2% MB Mechanics Bank +46.9% CB Citizens Business Bank N.A. +43.8% CB Columbia Bank +25.3% AB Axos Bank +24.6% EW East West Bank +7.3% CN City National Bank +6.3% CB Cathay Bank +4.1% Bo Bank of Hope +4.1% Bo Bank of Hawaii +2.1% Bo Banc of California +1.7% FH First Hawaiian Bank +1.6% WB Wafd Bank -1.2%

SBA 7(a), FY2008 to FY2026

Columbia Bank is the 6th largest 7(a) lender into California of 512, with $2.33B across 3,734 loans, 3.6% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 698 of its 850 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Los Angeles, CA$618M9th of 3083.0%-1.6 pts
King, WA$345M3rd of 1937.4%-10.0 pts
Orange, CA$281M6th of 2563.8%-2.8 pts
San Diego, CA$197M5th of 2383.6%-2.3 pts
Multnomah, OR$193M1st of 14012.0%-8.0 pts
Riverside, CA$144M5th of 2194.1%-1.0 pts
Snohomish, WA$120M1st of 1277.6%-10.1 pts
San Bernardino, CA$111M9th of 2133.1%-0.6 pts
Clark, WA$109M1st of 11413.7%-1.4 pts
Washington, OR$108M1st of 12211.8%-4.7 pts
Sacramento, CA$95M6th of 1704.2%+0.2 pts
Pierce, WA$92M3rd of 1375.8%-4.3 pts
Clackamas, OR$89M1st of 12111.4%-5.7 pts
837 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services1,593$1.10B21.1%1.44%7th of 2,596
Retail trade2,205$955M18.3%1.57%12th of 2,589
Health care & social assistance1,264$568M10.9%1.20%12th of 2,172
Manufacturing1,060$487M9.3%1.23%12th of 2,246
Wholesale trade608$372M7.1%1.45%14th of 1,651
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Columbia Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Columbia BankRankCohort median
Total CRE against capital, the 300% screen292%10th of 12271%
Construction against capital, the 100% screen30%8th of 1223%
Construction and land development, share of loans4.3%8th of 123.7%
Non-owner-occupied nonfarm nonresidential, share of loans15.2%5th of 1215.6%
Total CRE, the guidance definition, share of loans41.2%8th of 1238.5%
CRE growth over 36 months, the third prong+34.2%10th of 12+11.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
City National Bank$99.10B1.0%65.9%0.92%0.03%1.0%84.8%11.4%
East West Bank$84.32B1.7%36.0%0.38%0.13%1.4%83.9%9.9%
Columbia Bank$65.37B1.3%56.0%0.57%0.28%1.0%90.5%12.0%
Banc of California$34.90B-0.9%63.7%2.34%1.39%1.0%89.0%10.8%
Axos Bank$28.87B2.1%43.1%0.44%0.09%1.1%100.5%9.7%
Wafd Bank$27.58B1.0%53.5%0.63%0.02%1.1%96.1%11.0%
Cathay Bank$24.64B1.5%40.3%0.54%0.04%1.1%97.6%12.6%
Bank of Hawaii$23.81B1.0%58.0%0.18%0.06%1.0%68.2%7.5%
First Hawaiian Bank$23.65B1.2%55.2%0.30%0.12%1.2%72.3%11.9%
Mechanics Bank$21.25B1.0%62.3%0.41%0.11%1.1%75.1%13.3%
Citizens Business Bank N.A.$21.18B1.0%52.9%0.14%0.00%1.1%73.2%14.7%
Bank of Hope$18.99B0.7%64.2%0.88%0.26%1.0%94.4%12.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Columbia BankCohort median
20212026Change20212026Change
Loans$22.57B$47.23B+109%$13.56B$20.42B+51%
Deposits$26.31B$52.19B+98%$18.48B$21.08B+14%
NPA / loans0.22%0.57%+0.35 pts0.31%0.49%+0.18 pts
Efficiency56.9%56.0%-0.9 pts52.5%55.6%+3.1 pts
ROA1.51%1.25%-0.26 pts1.36%1.03%-0.34 pts

This read was prepared for Columbia Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Columbia Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Pacific states banks over $10B
Institution www.columbiabank.com/

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue