FDIC Cert #17266 · Roseburg, Oregon · Est. 1953

Columbia Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$66.8B
Total assets
A
Health grade · Excellent
1.00%
Return on assets
12.3%
Tier 1 capital

Data updated July 2026

The verdict

Columbia Bank earns a PlainBankData health grade of A (87/100), with well-capitalized at 12.32% Tier 1, profitable at 1.00% ROA, efficient (55% cost ratio).

#42
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
12.32%
Tier 1 ratio - above the 10% well-capitalized line
43rd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 17266 · OR A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1148/4307
  • PHOTO-FINISH Central Pacific Bank · HI
  • TIER1-WELL 12.3% Tier 1
  • TEXAS-CLEAN 2.3% Texas
  • ROA-PAR 1.00% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oregon: Central Pacific Bank, HI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Columbia Bank

Lowest and highest poles plus nearest scored peers outside Oregon, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Apple River State Bank · IL …87/100Central Pacific Bank · HI · …87/100Columbia Bank · OR · this ba…87/100German American Bank · IN · …87/100KeyBank National Ass… · OH ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Columbia Bank · July 2026

What Columbia Bank's Call Report plate shows

Columbia Bank (FDIC Cert #17266) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,148 of 4,307. Tier 1 capital prints at 12.32%, clearing the 10% well-capitalized line. The Texas Ratio is 2.33%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.00%. Balance-sheet scale is $66.8B, 42nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Central Pacific Bank (HI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Columbia Bank

6 FAILURE resolutions in Oregon since 2000 (6 since 2008)

Columbia Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Columbia Bank remains an active FDIC-insured reporter.

  • LIBERTYBANK EUGENE, OR 2010 → HOME FEDERAL BANK
  • HOME VALLEY BANK CAVE JUNCTION, OR 2010 → SOUTH VALLEY BANK & TRUST
  • COLUMBIA RIVER BANK THE DALLES, OR 2010 → COLUMBIA STATE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oregon banks.

How Columbia Bank's 87/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10087/100
Columbia Bank's composite health score
Tier 1 Capital Ratio (12.32%) 35/40
Return on Assets (ROA) (1.00%) 20/25
Texas Ratio (2.33%) 20/20
Efficiency Ratio (55.35%) 12/15

87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$66.8B

Total balance-sheet footings

Total Deposits

$54.3B

Customer-funded liabilities

Net Loans

$47.6B

Outstanding loan book

Net Income

$581M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.92% 12.32% 13.72%
Basel III capital ratios - Columbia Bank

Where Columbia Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Columbia Bank's score of 87/100 falls in the highlighted band.

Columbia Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 27% higher than 73% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Columbia Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Columbia Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Columbia Bank's $66.8B falls in the highlighted band.

Safety ratios for Columbia Bank

Tier 1 capital ratio
Well-capitalized 10%

12.32% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.32%
Texas Ratio
2.33%
Equity Capital
$8.1B

What these ratios mean →

Earnings posture at Columbia Bank

Return on Assets (ROA)
43rd percentile nationally
1.00%
Return on Equity (ROE)
8.80%
Efficiency Ratio
55.35%

What these mean →

Income & expense at Columbia Bank

$2.9B
Interest Income
$284M
Non-Interest Income
$1.4B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Columbia Bank reports a Texas Ratio of 2.33% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.33% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Columbia Bank on FDIC BankFind →

Top banks in Oregon by total assets

Largest banks headquartered in Oregon
  1. 1
    Columbia Bank $66.8B

    Roseburg, OR · Grade A

  2. 2
    Summit Bank $1.3B

    Eugene, OR · Grade A

  3. 3
    Bank of Eastern Oregon $960M

    Heppner, OR · Grade A

  4. 4
    Citizens Bank $832M

    Corvallis, OR · Grade B

  5. 5
    Oregon Pacific Banking Company dba Or… $812M

    Florence, OR · Grade A

Top 5 banks in Oregon ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Columbia Bank by assets

Measured strictly by total assets rather than geography, Columbia Bank's closest national peers include SouthState Bank, Valley National Bank, CIBC Bank USA, Bank of China, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Oregon. Averaged across this asset-matched cohort, return on assets runs 1.00% (Columbia Bank is below that at 1.00%), the efficiency ratio averages 41.17% (Columbia Bank runs higher at 55.35%), and Tier 1 capital averages 10.77% (Columbia Bank holds more at 12.32%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $66.8B in assets, Columbia Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Columbia Bank nationally by total assets
  1. 1
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  2. 2
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Bank of China $61.9B

    New York, NY · Grade F

  5. 5
    Old National Bank $71.8B

    Evansville, IN · Grade B

  6. 6
    UMB Bank $72.8B

    Kansas City, MO · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Columbia Bank (this bank) OR $66.8B 1.00% 55.35% 12.32%
SouthState Bank, National Association FL $67.2B 1.40% 47.64% 12.54%
Valley National Bank NJ $64.1B 0.99% 53.71% 12.46%
CIBC Bank USA IL $64.0B 1.47% 37.10% 17.22%
Bank of China NY $61.9B 0.00% 0.00% 0.00%
Old National Bank IN $71.8B 1.16% 51.80% 11.05%
UMB Bank, National Association MO $72.8B 1.01% 56.76% 11.34%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($66.8B here), outside Oregon so the neighborhood is not state containment.

SouthState Bank $67.2B · FL Valley National Bank $64.1B · NJ CIBC Bank USA $64.0B · IL Bank of China $61.9B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Columbia Bank (FDIC Cert #17266) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Columbia Bank Call Report profile · FDIC Failed Bank List · Oregon FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oregon

All Oregon banks →
BankAssetsGradeROA
Summit BankEugene $1.3B A 1.17%
Bank of Eastern OregonHeppner $960M A 1.83%
Citizens BankCorvallis $832M B 0.31%
Oregon Pacific Banking Company dba Oregon Pacific BankFlorence $812M A 1.16%
People's Bank of CommerceMedford $789M A 1.14%
Pioneer Trust Bank, National AssociationSalem $735M A 2.32%
First Federal Savings and Loan Association of McMinnvilleMcminnville $669M B 0.35%
Evergreen Federal BankGrants Pass $617M B 0.59%