BlastPoint's Banking Scorecard
Columbia Bank
Large
Specialty: Commercial
OR
FDIC cert 17266
Roseburg, OR
69
banks in Large tier nationally
1 in OR
View Large leaderboard (OR) →
Columbia Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 18% in Large
- + Non-Interest-Bearing Deposit Share 12.32% above tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 1% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$66.8B
+29.6% YoY
-1.0% QoQ
|
-$8.0B |
$74.9B
-4.4% YoY
|
$5.8B
+35.0% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$47.6B
+27.4% YoY
-1.6% QoQ
|
+$1.1B |
$46.4B
-2.1% YoY
|
$4.1B
+33.3% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$54.3B
+30.0% YoY
-2.8% QoQ
|
-$6.1B |
$60.5B
-4.5% YoY
|
$4.7B
+35.4% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
1.00%
-7.6% YoY
+17.6% QoQ
|
-0.19% |
1.19%
+17.8% YoY
|
0.97%
+23.1% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.88%
+4.3% YoY
+4.8% QoQ
|
+0.42% |
3.46%
+13.1% YoY
|
3.91%
+8.6% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
55.35%
+10.9% YoY
-3.7% QoQ
|
+0.33% |
55.03%
-2.8% YoY
|
69.38%
-5.2% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.42%
-6.9% YoY
+3.1% QoQ
|
-0.46% |
0.88%
-0.3% YoY
|
0.44%
+26.5% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
87.55%
-2.0% YoY
+1.3% QoQ
|
+5.83% |
81.72%
+3.9% YoY
|
78.09%
-1.5% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
32.29%
+0.8% YoY
+0.6% QoQ
|
+12.32% |
19.97%
+0.5% YoY
|
23.36%
-7.5% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.30%
-8.8% YoY
+2.1% QoQ
|
-0.25% |
0.55%
+9.0% YoY
|
0.42%
+67.0% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
12.32%
+8.4% YoY
+1.4% QoQ
|
-1.01% |
13.33%
-0.7% YoY
|
8.96%
-3.7% YoY
|
9.75%
-1.9% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.42%
+7.8% YoY
+44.3% QoQ
|
-0.66% |
1.09%
+2.4% YoY
|
0.64%
+1.9% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#4 of 18 · Top 18% in Large
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.42%
(Tier: 0.88%, National: 0.66%)
18 of 18 Large banks match
·
443 nationally
→ Stable
+6 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Large
Why this stands out
Current:
32.29%
(Tier avg: 19.97%, National avg: 21.79%)
Concerns (1)
Cost Spiral
risk
#1 of 1 · Bottom 1% in Large
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
55.35%
(Tier: 55.03%, National: 65.09%)
1 of 1 Large banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 32.29% · Tier avg: 19.97%
80
80th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.88%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.55%
74
74th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.46%
67
67th pctile
Total Loans
Current: $47.6B · Tier avg: $46.4B
64
64th pctile
Total Assets
Current: $66.8B · Tier avg: $74.9B
62
62th pctile
Total Deposits
Current: $54.3B · Tier avg: $60.5B
52
52th pctile
Efficiency Ratio
Current: 55.35% · Tier avg: 55.03%
38
38th pctile
Loan-to-Deposit Ratio
Current: 87.55% · Tier avg: 81.72%
34
34th pctile
Tier 1 Capital Ratio
Current: 12.32% · Tier avg: 13.33%
33
33th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.19%
26
26th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 1.09%
Top Weaknesses
26
26th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 1.09%
33
33th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.19%
34
34th pctile
Tier 1 Capital Ratio
Current: 12.32% · Tier avg: 13.33%
38
38th pctile
Loan-to-Deposit Ratio
Current: 87.55% · Tier avg: 81.72%
52
52th pctile
Efficiency Ratio
Current: 55.35% · Tier avg: 55.03%
62
62th pctile
Total Deposits
Current: $54.3B · Tier avg: $60.5B
64
64th pctile
Total Assets
Current: $66.8B · Tier avg: $74.9B
67
67th pctile
Total Loans
Current: $47.6B · Tier avg: $46.4B
74
74th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.46%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.55%
80
80th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.88%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 32.29% · Tier avg: 19.97%