# COLUMBIA BANK
ROSEBURG, OR · FDIC certificate 17266 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $65.37B | |
| Deposits | $52.19B | |
| Loans and leases | $47.23B | |
| Total equity | $7.85B | |
| Loans / deposits | 89.61% (p68 of band) | 85.78% |
| Liquid assets / assets | 19.92% (p38 of band) | |
| Uninsured deposits / deposits | 39.45% (p54 of band) | 38.39% |
| Brokered deposits | 2.54% | |
| Wholesale funding | 9.34% (p59 of band) | |
| FHLB advances / assets | 6.50% | |
| Tier 1 leverage | 9.68% (p35 of band) | 10.17% |
| Unrealized securities loss / equity | -6.01% (p59 of band) | -7.43% |
| AOCI / equity | -0.97% (p17 of band) | |
| ROA (annualized) | 1.25% (p53 of band) | 1.24% |
| Net interest margin | 4.01% (p79 of band) | 3.57% |
| Efficiency ratio | 50.16% (p35 of band) | |
| Noncurrent loans | 0.57% (p45 of band) | 0.66% |
| Net charge-offs (annualized) | 0.20% (p76 of band) | |
| Reserve coverage of noncurrent | 168.68% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 25.87% (p44 of band) | |
| Auto loans | $10.5M (0.02% of loans; DQ 0.74%, NCO 0.00%) | |
| Loans to nondepository financials | $1.00B (13% of equity) (p61 of band) | |
| Deposits YoY | 24.8% | |
| Employees | 5590 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 1 | expense ratio p90 |  |
| 2014-09 | 0 |  | expense ratio p90 |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | losing money, expense ratio p90 |  |
| 2020-06 | 1 |  | capital falling, expense ratio p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | losing money |
| 2021-06 | 1 | charge-offs p90 |  |
| 2021-09 | 1 | capital falling | charge-offs p90 |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | losing money, expense ratio p90 |  |
| 2023-06 | 1 | wholesale funding >15% | losing money, expense ratio p90 |
| 2023-09 | 0 |  | wholesale funding >15% |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | charge-offs p90 |  |
| 2024-06 | 0 |  | charge-offs p90 |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-14 [Columbia Banking System Announces $0.37 Per Common Share Dividend - PR Newswire](https://news.google.com/rss/articles/CBMivAFBVV95cUxObldrTHRNbG9hQ1BMc1RwZDNPRkRIX29WUHNfQmY4T0M0UERBdjhZakhGR3cweEtJUU9vbnlnSnYxSWNvODRxUEplMy1BWWtwbktHWXdfWnI4TGJTSC1rdlludG1TaXk5U01wUTl1X1NmZ3F5anhxZTlTTHpiQzAwVFVBVDlrV1JhNG1JUG92TVJyWnV6bGFIWFJWUVdxQkxYdXdwTUNOblRYcFc5b3FISDZic1FvYWloX000Qg?oc=5) · PR Newswire
- 2026-08-25 [William Philip, who founded Columbia Bank and championed UW Tacoma, dies at 99 - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQS1JxMS0wbGQtRDN2UnNjYndsZ2FjYU1SOTJOc0RLdzBvcU5xaWZnOHpzZGMtYUYyRmtEQi1VQmtkSGdUUXpiQTJnRGd6TVZKMU4xc1B3MTZTRmZPaVFLM0EtRWE3YnRzblFxWEtWd2pRRXAtRHZ0YVk1a0VDMWVoRlVUTnhqYU9PNm5sR29DZG5DSDBnaWxaTTMzN2ctV1NBWVE?oc=5) · The Business Journals
- 2026-08-13 [When Banks Face Ponzi Scheme Liability - Mintz](https://news.google.com/rss/articles/CBMinwFBVV95cUxOazJ6TDU4RG1MNHRJdWpScHZkeVEzMzFTX213cFFxeXg2WTM5YlNacnNwYlpVcVhZS3FEaFZPekxvQmdaalNTNkdjdGhGT2dvdXlySHJjTmhWSmRPaHlfaGZmWGpQWGo3b3FVNVUyaF9yeHNXM3lwUDZyOXotYUhqUXBnM0MtUEo4SUk4ZnVnREhsSzlOWTlkNTlaUUZNTFk?oc=5) · Mintz
- 2026-08-14 [Columbia Bank continues Centennial State expansion with opening of Colorado Springs facility - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOQ0hxUUUzc3gwZFExUkNRaXp3aVRkbGl4ZDJaQzl2enhNcUlVcE5ldFRqQVVJNk11SmotekduYXFuRFlkRUdFZ2xiMFpOZE9hNWQyaGd2YUJqN1NsUHRxd1E0aE1raWFMM1VCbXB1c1l6Z0w2dU81d3pPTldwOHE2WHNrQmM4TktSdmM0MEFKWmh1enZQS0NXM0dWeC1hS211dHBxV21Wb09IcU5uczJyVjNlWVZyenJsNlRVME93NHphUQ?oc=5) · Colorado Springs Gazette
- 2026-08-27 [‘Mr. Tacoma’ remembered for bringing UWT, Columbia Bank to life in city - thenewstribune.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5QMGpSb0dUeDhLamE5Y2dxRUZqQlJEdjJrZUQ1MjF6VG1PWE1sLWttdWQyZ0lyM2xWLXlNRDJkbFNHdXZPcXd1LUJvTUFnU1pmYXRjR3l4cTAwTHAza0RCdWFqMmZWMjdrQ2hZTjZDamnSAXBBVV95cUxNc1NnaDFiVURUZTJmM3lzaXZURFB4T2l2aDBGdUY5QkpGaTdXMjZSVXlack1iLWYzOFpWaDExeEV4eGltSEVoUU5NZ0I3clZfNEY0b3FaTTN0LWw2VjZZNzFtUm5GU2pjQkpFaWZWWmd0?oc=5) · thenewstribune.com
- 2026-05-15 [How Columbia Bank (Wash.) kept a breach quiet for 119 days - American Banker](https://news.google.com/rss/articles/CBMijwFBVV95cUxPZmdoVlhCWE5ZYkV5VzJIUDAycE9ZcGtnT3dja0xkeTlZWnJfZzhHQXhGWFZ6aVU0Sk91di1DVHk0OGhoUkZsaXViRWM1Zl9WR01WTTBSYnBGTmY3N2JzTHYtQXN3cjZJYVZmemFDRUpkQ2xrUEY3dUJkNFFERFpWT0x3SHlkZzRZLUxoY0ZUQQ?oc=5) · American Banker
- 2026-08-25 [W.W. ‘Bill’ Philip, Columbia Bank Founder, Dies at 99 - MyNorthwest.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPRWxyQlZjc3l0eGhueUgxbW1zYXBDZkZtRUFkbzMtNlo1Q0JhNEh0ZVBkR1ExMlVvTzNmZ2JJUHllQjJYZnBWS3FUeHlueGtYblJ5U3JzOHJRTXFYdGJHbUZUREdVU2txTHI1THlMeVdQMFVKZnBHMXBqSnc4Wl9pd3NDQ1JGVlEyNG9JdmszaXg0NnVLTWlNLVdQZmFzZVd2TFhpS1ZR?oc=5) · MyNorthwest.com
- 2026-07-21 [Columbia Bank completes Northfield merger, goes public - NJBIZ](https://news.google.com/rss/articles/CBMid0FVX3lxTFBkNEwxamVjZW5xNHNpa25tanh3RmJSM0c4NTNmWkNiUEc4dWNhM0Q3UWR3VDBKOEZCbEk1d2xSc0JuQmRobm9mVjFzTENKZ3pmWVRGRjdTNTZ3VTNfYUlrQWtqS3pjQ25Ec0hLa0RVUTZaeEx5eUxR?oc=5) · NJBIZ

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17266 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/50.json (key "17266", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide