# COLUMBIA STATE BANK
TACOMA, WA · FDIC certificate 33826 · asset band $10-100B · latest filing 2022-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $20.26B | |
| Deposits | $16.73B | |
| Loans and leases | $11.69B | |
| Total equity | $2.22B | |
| Loans / deposits | 68.93% (p18 of band) | 82.82% |
| Liquid assets / assets | 34.14% (p79 of band) | |
| Uninsured deposits / deposits | 42.99% (p55 of band) | 41.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.47% (p34 of band) | |
| FHLB advances / assets | 4.71% | |
| Tier 1 leverage | 9.47% (p44 of band) | 9.71% |
| Unrealized securities loss / equity | -45.54% (p19 of band) | -21.62% |
| AOCI / equity | -24.62% (p20 of band) | |
| ROA (annualized) | 1.25% (p58 of band) | 1.18% |
| Net interest margin | 3.37% (p60 of band) | 3.22% |
| Efficiency ratio | 53.33% (p51 of band) | |
| Noncurrent loans | 0.12% (p14 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p9 of band) | |
| Reserve coverage of noncurrent | 1178.77% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 24.42% (p34 of band) | |
| Auto loans | $2.5M (0.02% of loans; DQ 1.08%, NCO 0.00%) | |
| Loans to nondepository financials | $265.6M (12% of equity) (p69 of band) | |
| Deposits YoY | -7.2% | |
| Employees | 2026 | |

## Flags firing in the latest filing

- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | expense ratio p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | securities losses >30% of equity |  |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 3 | deposits shrinking |  |

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

- 2021-10-01 [Columbia Banking System Announces Completion of Acquisition of Bank of Commerce Holdings - PR Newswire](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOeGFnUlFJeTZBSkR2ejNqZW9qWFZfRUlOZTM2T240S1BVS3hXdmZMVVdIUVctZ05BY0dobW1LUFNMQXVTTlVtZ1ZKd081NnlhcXFoaDRDWjhzc3RxQUhBd09jMlNPTjlSX0FGcVJwS295aUFybmVDLXdKTDNKY1plQzI5Wl91YjhFdm9rN2M4YmR5Si1lNFdqb1hadkRqUkNhRl9kQjZHY05Td3hOMHFTSF91Zkg4NWVHU0RsdmRCcHdLREkwWnB5RDNwdGNtaFgxNkpTTkI5UGtHQm9L?oc=5) · PR Newswire
- 2012-09-26 [Columbia Bank System to acquire West Coast Bancorp - KATU](https://news.google.com/rss/articles/CBMihAFBVV95cUxOMURjS2xoUURpa21yc3hSSk51ZHdHTGxQdFJFNXlJQklMWTd6Slc0ZzlheGhqeUlaMjJDcGVNNzZ4X0VxVnV2Y0RMRUxlRU1ha2daaGFTdU1NUWRqYUIwWGhxSkpTeExVVTFiVHdfUXpmbm1mVkxuVV9NWWV6VXVMU2J1bEg?oc=5) · KATU
- 2017-02-20 [Melanie Dressel, Columbia Bank CEO, Tacoma civic leader, dies at 64 - The Seattle Times](https://news.google.com/rss/articles/CBMiugFBVV95cUxOY2gybmxjQ2VhM3BCb1hyVUNCMkFncmltOW0tYlFmRzdTNDA3bEZLVnZxQVItSThhRW4yVm1iQnBEWTVpYnI5ZDktZEo3bWhHRGJFZ1ZQdU1VOWRuZ29mc3Q4dnlxdTJSZmYyUm5zaUV4Q0VvNDFnYUV0WTF6MDNJbFQwZHBHb2RSYWdsUWVDZXVGb3llMW5hSzNfdnlMdVBQdGdfS3cwR21ieDNGRGtybGd1eURFY25XNWc?oc=5) · The Seattle Times
- 2009-09-24 ['River Rat' Hits Seven Bank Robberies Reward Increases to $10,000 - fbi.gov](https://news.google.com/rss/articles/CBMibkFVX3lxTE9jbXp0ZWVGWXV6TFl3TnZKMWhSR2xWc3k3YzI4VE9sRmU1SE8xWjllV0QxRzFSSnhvd2FIeXRDZm1BdmREVV9KZjZCQWRLdHpXMi1vQXl0eDhQc3hnV3Z4Wm9SWWdsOFdfeFUwM3Nn?oc=5) · fbi.gov
- 2021-10-12 [Columbia Banking System And Umpqua Holdings Corporation Combining To Create The West Coast's Leading Regional Bank - PR Newswire](https://news.google.com/rss/articles/CBMi_gFBVV95cUxOOXNsMm9RYi01QW5xclhZVUV6MzVsSTU1QUM2NW9NMWpHTWs3OXU4QndoT21OWDA0RjJ1eC1wNmt3QzZKbjNfQVBfLTRmVkhIcjB5NjNYYWM1Z0Q1R0pjVWZRZWdVYTVWbFhvUGJzV2tKcUZYRDV0c0ZVc1d6eFN0WHhVUFlUUjV4T0FmTlFLX18ybkVaeEtiUS1aOWFGbXpsVW5wZFBIMGVodS05LXRYTlJvNUFYZjVfR2tHNER3WjY0WnduS1VEZWY0ZndFcVVsNXlINi0yQlF0blBfVjByOXdmVWdLQTM4WUJIX2o1STRwWHNDdkt6SkJucXR0dw?oc=5) · PR Newswire
- 2021-06-26 [A Washington bank is acquiring the former Redding Bank of Commerce - Record Searchlight](https://news.google.com/rss/articles/CBMirgFBVV95cUxORndCOEpEUldiUjB3OTJZd2gwMHI2TkM1MVlFUUpCTzZRM2hROVloMnE5ZUhOaXBVME1teGswYkU1UUtFRzk5ODNLdDBWREoyQnBlbUc3RDhXR2hPWEFRa25malR5dkE0ZTQ5UkYxVGU0c3V0a2N6U1VHN3JwNjVyN2w1M1F1MkxvNnd4RjF1elp2R1ZJQnAyV3pJSGItWVZJaldESzVpZS1Nal9BSkE?oc=5) · Record Searchlight
- 2023-02-27 [1st Security Bank Completes Acquisition of Seven Branch Locations in Washington and Oregon - citybiz.co](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOY3dXYmZzamcwaEFpR3o5NVp3TnlQeHlHUjNrUHdDVDNieWEzaVlMMW9wOGVUd1haVVhVRUJDTjBQQTAxUU5lekY3MGVfV2pmZC1lTFJaX1dOVnpfTkowTFJBeDZxMXVEQm0yMlU1VFNMbmNxbWw2RGJsSFdpd294N3Zzd0s3eUhlRFJmN3NhYkNzYVhQdmdmbHpjWmdsWElHSGUyLTB6Y28yRnZQOXA1MGp6T29OQUdSZWZNenUwc3lGWjZzaXhnaw?oc=5) · citybiz.co
- 2011-03-24 [Distinguished Executive Award Presented to Mark W. Nelson, Columbia Bank Executive Vice President and Chief Operating Officer - PR Newswire](https://news.google.com/rss/articles/CBMiiwJBVV95cUxOY2NvWDJYVnFaQ0lWUVVETldsdGZlX3FCYnQyWElOZWY3aEJneTRyNkYyVHhzYXlIMFJoSU1CYkh5SmJqNTloY0FKc0EzeWVIWjB3VFIyM0FRUmhYamI5OUZpS2w5RzNZNDZubzlqWkR0OGVCU1NaUFMwZF9seXZndWVrZWlzcElYamI1Zi16SVRtMHk1QXJLN3FtX29Id29VMy02MjZxN1BFeVBudnNOVXNyc1lfTTl1VmpTbk5EVDU1Y3lMTVZHeF9NVnItXzVwdlYtaE9sS05acWl6WEtkazI4SVJteGhvZlJBY1o1bWNWZzIta2RNbm9FLV9WemhwNVVvRVpiTjVLMWM?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33826 (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/34.json (key "33826", 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