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Columbia Bank
Roseburg, OR·FDIC Cert #17266·Charter: STATE·Est. 19531109.0·HC: COLUMBIA BANKING SYSTEM INC
Total Assets
$66.8B
Q4 2025
Return on Assets
1.00%
+0.15%Peer avg: 1.20%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.35%
Peer avg: 51.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.00%+0.15
ROE
8.80%+1.16
Efficiency
55.35%-2.12
Equity/Assets
0.00%+0.00
NPL Ratio
0.42%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.55%+1.10
Charge-offs
0.26%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 1.1 | 1.1 | 0.7 | 1.0 | 0.9 | 1.0 |
| ROE | 9.9 | 9.7 | 10.2 | 10.4 | 6.7 | 9.1 | 7.6 | 8.8 |
| Efficiency | 52.5 | 52.1 | 50.7 | 49.9 | 62.5 | 55.3 | 57.5 | 55.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.5 | 0.5 | 0.5 | 0.5 | 0.4 | 0.4 |
| Charge-offs | 0.5 | 0.4 | 0.4 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 |
| Loan/Deposit | 89.3 | 89.8 | 89.3 | 89.3 | 88.1 | 89.1 | 86.4 | 87.6 |
Balance Sheet
Total Assets$66.8B
Total Deposits$54.3B
Total Loans$47.6B
Total Equity$8.1B
Profitability
ROA1.00%
ROE8.80%
Efficiency Ratio55.35%
Net Income$580.9M
Risk & Asset Quality
NPL Ratio0.42%
Charge-off Rate0.26%
Loan/Deposit87.55%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans