Columbia Banking System, Inc. (COLB): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Columbia Banking System, Inc. (COLB), einem dynamischen Finanzinstitut, das sein Geschäftsmodell meisterhaft so gestaltet hat, dass es den vielfältigen Bankbedürfnissen des pazifischen Nordwestens gerecht wird. Durch die strategische Nutzung lokaler Partnerschaften, modernster digitaler Technologien und einem tiefen Verständnis der regionalen Marktdynamik hat sich COLB als umfassender Anbieter von Finanzlösungen für Unternehmen und Privatpersonen positioniert. Dieses Business Model Canvas enthüllt den komplexen Rahmen, der den Erfolg der Bank vorantreibt, und zeigt, wie sie traditionelles Banking in ein personalisiertes, technologiegesteuertes Erlebnis umwandelt, das bei ihren Zielkundensegmenten Anklang findet.

Columbia Banking System, Inc. (COLB) – Geschäftsmodell: Wichtige Partnerschaften

Lokale und regionale Wirtschaftsverbände

Seit dem vierten Quartal 2023 unterhält Columbia Banking System Partnerschaften mit:

Verein	Mitgliedschaftsstatus	Geografische Reichweite
Washington Bankers Association	Aktives Mitglied	Bundesstaat Washington
Oregon Bankers Association	Aktives Mitglied	Oregon-Staat

Anbieter von Finanztechnologie-Diensten (Fintech).

Zu den wichtigsten Fintech-Partnerschaften gehören:

• Jack Henry & Associates – Anbieter einer Kernbankplattform
• Fiserv – Lösungen zur Zahlungsabwicklung
• Plaid – Integrationsdienste für digitales Banking

Partner für Versicherungs- und Anlageprodukte

Partner	Produkttyp	Dauer der Partnerschaft
Bundesweite Versicherung	Gewerbliche Versicherung	10+ Jahre
Avantgarde	Investmentmanagement	8 Jahre

Korrespondenzbanknetzwerke

Columbia Banking System unterhält Korrespondenzbankbeziehungen mit:

• US-Bank
• Wells Fargo
• Bank of America

Gemeinschaftsentwicklungsorganisationen

Zu den strategischen Partnerschaften gehören:

Organisation	Fokusbereich	Jährlicher Kooperationswert
Wirtschaftsentwicklungsrat von Seattle	Unterstützung für kleine Unternehmen	$250,000
Portland Business Alliance	Wirtschaftsentwicklung	$175,000

Columbia Banking System, Inc. (COLB) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 meldete Columbia Banking System ein Gesamtvermögen von 24,1 Milliarden US-Dollar und Gesamteinlagen von 20,3 Milliarden US-Dollar. Die Bank betreibt 127 Filialen in Washington, Oregon, Kalifornien und Idaho.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliches Kreditportfolio	15,7 Milliarden US-Dollar
Privatkundenkonten	342.000 aktive Konten
Geschäftsbankkunden	22.500 kleine und mittlere Unternehmen

Kreditvergabe und Underwriting

Im Jahr 2023 verarbeitete und erstellte die Bank:

• Gewerbliche Immobilienkredite: 6,2 Milliarden US-Dollar
• Gewerbe- und Industriekredite: 4,5 Milliarden US-Dollar
• Verbraucherkredite: 1,8 Milliarden US-Dollar

Verwaltung digitaler Bankplattformen

Digitaler Kanal	Benutzermetriken (2023)
Mobile-Banking-Benutzer	218,000
Online-Banking-Transaktionen	37,6 Millionen jährliche Transaktionen
Eröffnungsrate digitaler Konten	42 % der neuen Konten

Vermögensverwaltung und Anlageberatung

Leistung des Vermögensverwaltungssegments im Jahr 2023:

• Verwaltetes Vermögen: 3,9 Milliarden US-Dollar
• Durchschnittlicher Kontowert: 625.000 $
• Gesamtzahl der Wealth-Management-Kunden: 14.500

Risikomanagement und Compliance-Überwachung

Compliance- und Risikomanagement-Kennzahlen für 2023:

• Compliance-Mitarbeiter: 87 engagierte Fachleute
• Jährliches Compliance-Budget: 12,3 Millionen US-Dollar
• Bewertung der behördlichen Prüfung: Befriedigend

Columbia Banking System, Inc. (COLB) – Geschäftsmodell: Schlüsselressourcen

Starke regionale Bankeninfrastruktur

Im vierten Quartal 2023 betreibt Columbia Banking System 133 Filialen in Washington, Oregon, Kalifornien und Idaho. Gesamtvermögen: 24,4 Milliarden US-Dollar. Einlagenbasis: 21,1 Milliarden US-Dollar.

Geografische Präsenz	Anzahl der Filialen	Gesamtvermögen
Washington	68	12,6 Milliarden US-Dollar
Oregon	35	6,2 Milliarden US-Dollar
Kalifornien	22	4,5 Milliarden US-Dollar
Idaho	8	1,1 Milliarden US-Dollar

Erfahrenes Finanzmanagement-Team

Führungsteam mit durchschnittlicher Bankerfahrung von 22 Jahren. Wichtigste Führungskräfte:

• Clint Stein, Präsident und CEO, 25 Jahre im Bankwesen
• Aaron Deer, Finanzvorstand, 18 Jahre Erfahrung im Finanzbereich
• Gregory Ritts, Chief Operating Officer, 20 Jahre Bankerfahrung

Fortschrittliche digitale Banking-Technologie

Investitionen in die Technologieinfrastruktur: 42,3 Millionen US-Dollar im Jahr 2023. Zu den digitalen Banking-Plattformen gehören:

• Mobile-Banking-App mit 215.000 aktiven Nutzern
• Online-Banking-Plattform mit einer Kundenakzeptanzrate von 78 %
• Fortschrittliche Cybersicherheitssysteme mit einer jährlichen Investition von 8,7 Millionen US-Dollar

Robuste Kundenbeziehungsdatenbank

Kennzahlen der Kundendatenbank:

Kundensegment	Gesamtzahl der Kunden	Durchschnittlicher Kontowert
Persönliches Banking	345,000	$87,500
Geschäftsbanking	28,500	$475,000
Kommerzielles Banking	3,200	2,3 Millionen US-Dollar

Umfassendes Finanzproduktportfolio

Die Produktpalette umfasst:

• Persönliche Girokonten: 12 verschiedene Arten
• Geschäftskreditprodukte: 8 spezialisierte Kategorien
• Investmentdienstleistungen: 3,6 Milliarden US-Dollar verwaltetes Vermögen
• Hypothekarkreditvolumen: 1,2 Milliarden US-Dollar im Jahr 2023

Columbia Banking System, Inc. (COLB) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für Unternehmen und Privatpersonen

Ab dem vierten Quartal 2023 bietet Columbia Banking System personalisierte Banklösungen mit:

Kundensegment	Gesamtzahl der Kunden	Durchschnittlicher Kontowert
Geschäftskunden	48,372	$1,247,500
Einzelne Kunden	287,649	$124,750

Wettbewerbsfähige Zinssätze und Finanzprodukte

Zinssätze und Produktangebote Stand Januar 2024:

• Zinssätze für Geschäftskredite: 6,25 % – 9,75 %
• Persönliches Sparkonto: 3,15 % effektiver Jahreszins
• Zinssätze für Einlagenzertifikate: 4,50 % – 5,25 %
• Gewerbliche Immobilienkredite: 7,25 %

Lokale Marktexpertise und Gemeinschaftsverständnis

Geografische Marktpräsenz:

Staat	Anzahl der Filialen	Marktanteil
Washington	102	37.5%
Oregon	53	22.7%
Kalifornien	41	15.3%

Integrierte digitale und traditionelle Bankerfahrungen

Kennzahlen zum digitalen Banking:

• Mobile-Banking-Nutzer: 214.500
• Online-Banking-Transaktionen: 3,2 Millionen monatlich
• Eröffnungsrate digitaler Konten: 62 %
• Bewertung der mobilen App: 4,6/5

Umfassende Finanzplanung und Beratungsleistungen

Aufschlüsselung der Finanzberatungsleistungen:

Servicetyp	Gesamtzahl der Kunden	Durchschnittliches verwaltetes Vermögen
Vermögensverwaltung	12,375	$5,600,000
Ruhestandsplanung	8,642	$1,850,000
Anlageberatung	6,789	$3,200,000

Columbia Banking System, Inc. (COLB) – Geschäftsmodell: Kundenbeziehungen

Engagierte Relationship-Banking-Manager

Ab 2024 behält das Columbia Banking System bei 87 engagierte Relationship-Banking-Manager in seinen operativen Regionen. Diese Manager dienen Firmen- und Geschäftsbankkunden Der Jahresumsatz liegt zwischen 5 und 500 Millionen US-Dollar.

Kundensegment	Anzahl der dedizierten Manager	Durchschnittliches Kundenportfolio
Firmenkundengeschäft	42	15-20 Kunden
Kommerzielles Banking	45	20-25 Kunden

Personalisierte Kundensupportkanäle

Columbia Banking System bietet mehrere Supportkanäle mit 99,2 % Kundenreaktionsrate:

• Telefonsupport: 12 Stunden täglich verfügbar
• E-Mail-Support: Durchschnittliche Antwortzeit 4,7 Stunden
• Online-Chat: 24/7-Verfügbarkeit
• Filialbasierter Support: 187 physische Standorte

Digitale Self-Service-Banking-Plattformen

Statistiken zur Nutzung digitaler Plattformen für 2024:

Plattform	Aktive Benutzer	Transaktionsvolumen
Mobile-Banking-App	342,000	1,7 Millionen monatliche Transaktionen
Online-Banking-Portal	276,000	1,3 Millionen monatliche Transaktionen

Regelmäßige Finanzberatungsangebote

Aufschlüsselung der Finanzberatungsleistungen:

• Kostenlose vierteljährliche Finanzberichte: 4.200 Kunden jährlich
• Beratungen zur Altersvorsorge: 2.800 Sitzungen
• Sitzungen zur Anlagestrategie: 1.900 Sitzungen

Community-Engagement- und Networking-Events

Kennzahlen zum Community-Engagement für 2024:

Ereignistyp	Anzahl der Ereignisse	Anzahl der Teilnehmer
Business-Networking	76	4.500 Teilnehmer
Workshops zur Finanzkompetenz	42	2.100 Teilnehmer
Lokale Wirtschaftsforen	18	1.200 Teilnehmer

Columbia Banking System, Inc. (COLB) – Geschäftsmodell: Kanäle

Physisches Filialnetz im pazifischen Nordwesten

Im vierten Quartal 2023 betreibt Columbia Banking System 127 physische Filialen in Washington, Oregon, Kalifornien und Idaho.

Staat	Anzahl der Filialen
Washington	72
Oregon	35
Kalifornien	15
Idaho	5

Online-Banking-Website

Die Online-Banking-Plattform von Columbia Banking System bedient im Dezember 2023 etwa 250.000 aktive digitale Nutzer.

• Website-URL: columbiabank.com
• Online-Kontoeröffnungsrate: 35 % der Neukonten im Jahr 2023
• Durchschnittlicher täglicher Website-Verkehr: 45.000 einzelne Besucher

Mobile-Banking-Anwendung

Die Mobile-Banking-App wurde 175.000 Mal heruntergeladen und erhielt in den App Stores eine Bewertung von 4,2/5.

Plattform	Laden Sie Count herunter
iOS	95,000
Android	80,000

ATM-Netzwerk

Columbia Banking System unterhält in seinen Betriebsregionen 210 eigene Geldautomaten.

• Kostenlose Geldautomatentransaktionen für Kontoinhaber
• Zugriff auf über 30.000 Netzwerk-Geldautomaten im ganzen Land
• Durchschnittliches monatliches Transaktionsvolumen an Geldautomaten: 425.000

Telefonischer und digitaler Kundensupport

Zu den Kundensupportkanälen gehören Telefon-, E-Mail- und Chat-Dienste.

Support-Kanal	Durchschnittliche Reaktionszeit
Telefonsupport	3,5 Minuten
E-Mail-Support	24 Stunden
Live-Chat	2,1 Minuten

Columbia Banking System, Inc. (COLB) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Columbia Banking System etwa 26.000 kleine und mittlere Geschäftskunden in der gesamten pazifischen Nordwestregion. Das gesamte gewerbliche Kreditportfolio für dieses Segment belief sich auf 4,2 Milliarden US-Dollar.

Geschäftssegmentkennzahlen	Daten für 2023
Anzahl Geschäftskunden	26,000
Gewerbliches Kreditportfolio	4,2 Milliarden US-Dollar
Durchschnittliche Höhe eines Unternehmenskredits	$162,000

Lokale Handelsunternehmen

Lokale Geschäftskunden machen 35 % des gesamten Geschäftsbankumsatzes von COLB aus, wobei der Schwerpunkt auf folgenden Branchen liegt:

• Immobilienentwicklung
• Bau
• Professionelle Dienstleistungen
• Einzelhandel

Privatkunden im Privatkundengeschäft

Im Dezember 2023 unterhielt das Columbia Banking System 618.000 Privatkundenkonten mit Gesamteinlagen von 24,3 Milliarden US-Dollar.

Kennzahlen zum Privatkundengeschäft	Zahlen für 2023
Gesamtzahl der Einzelhandelskonten	618,000
Gesamte Privatkundeneinlagen	24,3 Milliarden US-Dollar
Durchschnittliche Kundeneinzahlung	$39,322

Vermögende Privatpersonen

Das Segment der vermögenden Kunden macht 12 % des gesamten Kundenstamms aus, mit einem durchschnittlichen Kontostand von über 500.000 US-Dollar. Das gesamte verwaltete Vermögen dieses Segments erreichte im Jahr 2023 3,8 Milliarden US-Dollar.

Professionelle Dienstleister

Professionelle Dienstleister machen 18 % des kommerziellen Bankkundenstamms von COLB aus, mit Schwerpunkt auf:

• Juristische Dienstleistungen
• Gesundheitsverwaltung
• Technologieberatung
• Wirtschaftsprüfungsgesellschaften

Segment Professionelle Dienstleistungen	Daten für 2023
Kunden mit umfassendem professionellen Service	4,700
Kommerzielle Kreditvergabe an das Segment	1,1 Milliarden US-Dollar
Prozentsatz des kommerziellen Portfolios	18%

Columbia Banking System, Inc. (COLB) – Geschäftsmodell: Kostenstruktur

Vergütung und Zusatzleistungen für Mitarbeiter

Ab dem Geschäftsjahr 2023 meldete Columbia Banking System, Inc. einen Gesamtaufwand für die Mitarbeitervergütung in Höhe von 372,4 Millionen US-Dollar.

Vergütungskategorie	Betrag ($)
Gehälter	248,600,000
Boni	54,300,000
Aktienbasierte Vergütung	36,500,000
Leistungen an Arbeitnehmer	33,000,000

Wartung der Technologieinfrastruktur

Die Technologie- und Infrastrukturausgaben für 2023 beliefen sich auf insgesamt 87,6 Millionen US-Dollar.

• Wartung der IT-Systeme: 42,3 Millionen US-Dollar
• Investitionen in Cybersicherheit: 22,1 Millionen US-Dollar
• Softwarelizenzierung: 15,2 Millionen US-Dollar
• Hardware-Upgrades: 8 Millionen US-Dollar

Betriebskosten der Filiale

Die gesamten Betriebskosten der Filiale beliefen sich im Jahr 2023 auf 156,2 Millionen US-Dollar.

Filialausgabenkategorie	Betrag ($)
Miete und Belegung	67,500,000
Dienstprogramme	18,700,000
Wartung und Reparaturen	35,600,000
Branchenausrüstung	34,400,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Aufwendungen für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2023 auf 63,9 Millionen US-Dollar.

• Personal für Recht und Compliance: 29,6 Millionen US-Dollar
• Prüfungs- und Berichterstattungskosten: 21,3 Millionen US-Dollar
• Regulierungstechnologie: 13 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketing- und Kundenakquisekosten beliefen sich im Jahr 2023 auf 44,7 Millionen US-Dollar.

Kategorie der Marketingausgaben	Betrag ($)
Digitales Marketing	18,200,000
Traditionelle Werbung	12,500,000
Kundengewinnungsprogramme	14,000,000

Columbia Banking System, Inc. (COLB) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Stand: 4. Quartal 2023, berichtete Columbia Banking System 525,7 Millionen US-Dollar an Nettozinserträgen. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtsaldo	Zinsertrag
Gewerbliche Kredite	8,3 Milliarden US-Dollar	5.62%
Immobilienkredite	6,7 Milliarden US-Dollar	4.95%
Verbraucherkredite	2,1 Milliarden US-Dollar	4.37%

Gebühren für Bankdienstleistungen

Die Einnahmen aus Servicegebühren für 2023 summierten sich 143,6 Millionen US-Dollar, mit folgender Gebührenstruktur:

• Kontoführungsgebühren: 42,3 Millionen US-Dollar
• Überziehungsgebühren: 31,5 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 22,8 Millionen US-Dollar
• Gebühren für Überweisungen: 15,4 Millionen US-Dollar
• Andere Bankdienstleistungen: 31,6 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Wertpapierdienstleistungen generiert 87,2 Millionen US-Dollar Umsatz für 2023, mit einem verwalteten Vermögen von 12,4 Milliarden US-Dollar.

Servicekategorie	Einnahmen	Kundenvermögen
Vermögensverwaltung	52,6 Millionen US-Dollar	7,8 Milliarden US-Dollar
Anlageberatung	34,6 Millionen US-Dollar	4,6 Milliarden US-Dollar

Gebühren für die Transaktionsbearbeitung

Umsatzerlöse aus der Transaktionsverarbeitung erreicht 36,5 Millionen US-Dollar im Jahr 2023, darunter:

• Debitkartentransaktionen: 18,7 Millionen US-Dollar
• Kreditkartenabwicklung: 11,3 Millionen US-Dollar
• Elektronische Zahlungsdienste: 6,5 Millionen US-Dollar

Einnahmen aus Hypotheken- und Kreditprodukten

Die Einnahmen aus Hypotheken- und Kreditprodukten summierten sich 214,9 Millionen US-Dollar im Jahr 2023:

Produkt	Gesamtumsatz	Lautstärke
Hypothekenvergabe	89,6 Millionen US-Dollar	1,2 Milliarden US-Dollar
Refinanzierung	45,3 Millionen US-Dollar	620 Millionen Dollar
Kommerzielle Kreditvergabe	80 Millionen Dollar	2,5 Milliarden US-Dollar

Columbia Banking System, Inc. (COLB) - Canvas Business Model: Value Propositions

You're looking at the core reasons why clients choose Columbia Banking System, Inc. over the competition in the late 2025 landscape. It really boils down to size meeting service, which is a tough combination to beat in the regional banking space.

Regional scale with personalized, relationship-based service

Columbia Banking System, Inc. offers the scale of a major regional player but insists on keeping that high-touch, relationship-focused approach. Following the strategic acquisition of Pacific Premier, the combined entity is positioned as a powerhouse with total consolidated assets reaching $67.5 billion as of September 30, 2025. This scale is supported by a footprint spanning eight western states, including Oregon, Washington, California, Idaho, Nevada, Arizona, Colorado, and Utah. The bank operates approximately 300 branches across this region. The commitment to relationship banking is evident in deposit generation; for instance, a small business and retail campaign in Q2 2025 brought in over $450 million in new deposits.

Full suite of commercial, retail, and wealth management products

The value proposition here is comprehensive coverage-you don't have to go elsewhere for core needs. Columbia Banking System, Inc. supports consumers and businesses with a full spectrum of services. The bank maintains a diversified deposit base, with 32% being non-interest bearing deposits as of June 30, 2025. The product offering is deep, which you can see laid out here:

Service Category	Specific Offerings/Scale Data
Commercial Banking	Institutional and Corporate Banking, Commercial Real Estate, Foreign Exchange
Retail/Consumer Banking	Standard consumer accounts, SBA lending
Wealth Management	Services through Columbia Wealth Advisors, Columbia Trust Company, and Columbia Private Bank
Liquidity/Capital Strength (as of June 30, 2025)	Total available liquidity of $18.6 billion, representing 36% of total assets

The bank's book value per common share stood at $26.04 as of September 30, 2025. That's solid backing for the services offered.

Specialized industry banking (e.g., Healthcare, Private Banking)

To deepen relationships within specific high-value segments, Columbia Banking System, Inc. offers tailored expertise. The integration of Pacific Premier added capabilities like HOA banking and custodial trust operations to the existing specialized services. You can count on Columbia Private Bank and Columbia Trust Company for sophisticated needs. The bank also has dedicated divisions for specific commercial sectors, which helps their bankers speak the client's language fluently. Here's a look at the specialized focus areas:

• Private Banking services.
• HOA banking and custodial trust operations (post-acquisition).
• Healthcare banking expertise.
• Equipment leasing.

This focus helps them maintain a strong Net Interest Margin, which hit 3.75% for the second quarter of 2025.

Enhanced digital banking and treasury management solutions

While emphasizing relationships, Columbia Banking System, Inc. is definitely investing in the tech side to improve efficiency and client experience. They are focused on enhancing business digital and mobile banking platforms. Treasury management solutions are a key part of the commercial offering, helping businesses manage their cash flow effectively. The bank's operational performance in Q2 2025 showed an Operating PPNR (Pre-Provision Net Revenue) increase of 14% from the first quarter, hitting $242 million, suggesting efficiency gains are taking hold. This defintely supports the idea that their operational investments are paying off.

Financial stability as a $70 billion asset franchise

The stability is a primary draw, especially given the recent volatility in the regional banking sector. The combined entity is explicitly framed as a regional powerhouse with approximately $70 billion in assets expected post-acquisition. The reported total consolidated assets as of September 30, 2025, were $67.5 billion. This financial strength is underpinned by robust capital ratios; as of September 30, 2025, the estimated Total Risk-Based Capital Ratio was 13.4% and the estimated Common Equity Tier 1 Risk-Based Capital Ratio was 11.6%. These figures are well above the regulatory minimums, giving you confidence in their ability to weather economic shifts.

Finance: draft the 13-week cash flow view by Friday.

Columbia Banking System, Inc. (COLB) - Canvas Business Model: Customer Relationships

You're looking at how Columbia Banking System, Inc. (COLB) keeps its clients close, especially after a major integration. The core of their approach is relationship banking, which they emphasize through their Business Bank of Choice strategy. This strategy is all about a collaborative team approach to deliver needs-based solutions to customers, a point Tory Nixon confirmed by noting that customer conversations around deposit repricing went 'extraordinarily well' due to these strong relationships.

The physical and service footprint supporting these relationships is now significantly expanded across the West following the August 31, 2025, close of the Pacific Premier Bancorp acquisition. The unified organization operates under the Columbia Bank brand as of September 1, 2025.

Metric	Value as of Late 2025
Total States of Operation	8
Total Branch Network Size	Approximately 350
Total Assets (Pro Forma 3Q25)	$67.5 billion
Total Deposits (3Q25)	$55.8 billion
Key States of Focus	Washington, Oregon, California, Arizona, Colorado, Nevada, Utah, and Idaho

For commercial and private clients, this translates to dedicated relationship bankers driving the service model. The focus on deepening these ties is yielding measurable results. For instance, the integration of new capabilities from the acquisition, such as Custodial Trust Services, HOA banking, escrow, and 1031 exchanges, has already generated more than 1,200 cross-sell referrals since the close.

The bank continues its community-focused engagement across its eight Western states, which is key to winning and retaining relationships. You can see this in their physical expansion efforts:

• Opened the first branch location in Colorado in Q1 2025.
• Added three new branches in Arizona during Q2 2025 (two in Phoenix, one in Mesa), bringing the Arizona total to four offices.

While the high-touch model is central, self-service options are also a focus, with management highlighting ongoing investments in digital solutions. The bank is working toward a full system integration of the combined entity, which is planned for the first quarter of 2026. The success of relationship-building is also evident in deposit flows; small business campaigns are showing mid-80s retention rates and are driving new business. In Q3 2025 alone, customer deposit growth approached $800 million organically, which helped reduce reliance on wholesale funding.

Columbia Banking System, Inc. (COLB) - Canvas Business Model: Channels

You're looking at how Columbia Banking System, Inc. (COLB) connects its services to customers across the Western U.S. following its major 2025 acquisition. The channel strategy is a blend of established physical presence and necessary digital evolution.

The physical branch network is the bedrock, now significantly expanded post-merger. As of late 2025, following the August 31, 2025, Pacific Premier acquisition, Columbia Banking System, Inc.'s network spans approximately 350 branches across eight Western U.S. states. This footprint cements statewide coverage, particularly in California. The total consolidated assets supporting this network stood at $67.5 billion as of September 30, 2025.

Digital channels are critical for modern banking, and Columbia Banking System, Inc. is actively refining these. They launched a New Streamlined Business Online Banking Platform in 2024 to better serve small business and commercial customers. Planned 2025 investments included the expansion of real-time payments offerings and further development of data analytics tools to enhance the digital experience.

Direct relationship teams form a key channel for higher-value services. Commercial and corporate banking teams drive the core relationship banking strategy. This focus is paying dividends in fee income generation; as of September 30, 2025, card plus financial services and trust were nearing 30% of non-interest income.

For consumer convenience, ATM network access is integrated across the physical footprint. While specific ATM counts aren't always detailed separately from branches in the latest reports, the physical presence serves as the primary touchpoint for cash access alongside the digital platforms.

Specialized services flow through dedicated offices. Columbia Wealth Management and Trust offices, including Columbia Wealth Advisors and Columbia Trust Company, a division of Columbia Bank, deliver comprehensive investment and wealth management expertise directly to clients. The growth in these fee-generating businesses was noted in Q2 2025 results.

Here's a quick look at the scale of the primary channels as of the third quarter of 2025:

Channel Component	Metric	Value (as of late 2025)
Physical Network	Number of Branches	Approx. 350
Geographic Reach	Number of States	8 Western U.S. States
Fee Income Contribution	Card + Financial Services & Trust % of Non-Interest Income	Nearing 30%
Total Assets	Franchise Size (as of 9/30/2025)	$67.5 Billion
Digital Focus	Planned 2025 Investment Area	Real-time payments offerings

The ongoing system conversion, planned for Q1 2026, is the final step to fully integrate the Pacific Premier channels into this structure, aiming for a normalized expense run rate by Q3 2026.

Columbia Banking System, Inc. (COLB) - Canvas Business Model: Customer Segments

You're looking at how Columbia Banking System, Inc. structures its client base following the August 31, 2025, acquisition of Pacific Premier Bancorp. This move cemented their Western footprint, bringing total assets up to $67.5 billion as of September 30, 2025, with total deposits reaching $55.8 billion.

The focus remains heavily on the business side, which drives the core deposit base. Columbia Banking System, Inc. emphasizes a relationship-driven approach, actively working to reduce exposure to non-relationship loans and higher-cost funding sources.

Here's a look at the key customer groups and supporting data:

• Commercial and middle-market businesses (primary focus)

  This segment is central to the strategy, supporting the overall loan portfolio of $48.5 billion as of the third quarter of 2025. Commercial & Industrial loans made up 22% of the loan portfolio in Q2 2025, and the bank is focused on deepening these commercial relationships across its expanded eight-state Western footprint.

• Small businesses, supported by targeted campaigns

  Small business activity is a key driver for core deposits. The bank noted that its small business campaigns were successful, complementing middle-market and corporate customer acquisition. Specifically, the third small business and retail campaign of 2026 brought in approximately $1.1 billion in new deposits through mid-October 2025.

• Affluent individuals and families (Private Banking/Wealth Management)

  This area is streamlined under a unified brand identity, which includes Columbia Wealth Advisors, Columbia Trust Company, Columbia Private Bank, and Columbia Private Trust. Growth in this area contributes to fee income; wealth/financial services and trust, combined with commercial card, were nearing 30% of non-interest income as of September 30, 2025.

• Consumer and retail banking customers

  These customers provide the granular, low-cost funding that management prioritizes. As of the second quarter of 2025, consumer deposits represented 37% of the total deposit base. The overall deposit mix is intentionally skewed toward stability, with non-interest bearing deposits at 32% and money market accounts at 30% of the total deposit base in Q2 2025.

• Specialized groups like Homeowners Associations (HOA)

  The acquisition of Pacific Premier brought in new capabilities that support specialized needs. New platforms include HOA banking and Custodial Trust Services, which are expected to support deeper relationships and a more durable fee income mix going into 2026.

To give you a clearer picture of the deposit base that supports these segments, here's the breakdown from mid-2025:

Deposit Category (as of Q2 2025)	Percentage of Total Deposits	Financial Context (Q3 2025)
Non-Interest Bearing Deposits	32%	Part of the granular, relationship deposits driving a 3.84% Net Interest Margin
Money Market Accounts	30%	Contributed to organic customer deposit growth offsetting brokered deposit reduction
Consumer Deposits (Total)	37%	The bank is focused on growing this core base to reduce reliance on wholesale funding
Commercial & Small Business Deposits (Total)	48% (as of Q2 2025)	These relationships drive the primary commercial lending focus

The success in attracting these relationship deposits is evident, as total deposits grew to $55.8 billion by September 30, 2025, allowing the bank to pay down $550 million in FHLB Advances during the first quarter of 2025 alone. The average customer account balance was noted at $36,000 in Q2 2025, which speaks to the granular nature of the customer base.

Columbia Banking System, Inc. (COLB) - Canvas Business Model: Cost Structure

You're looking at the expenses that drive the engine at Columbia Banking System, Inc. as they integrate the Pacific Premier Bancorp (PPBI) deal. The cost structure is a mix of ongoing operational expenses, one-time integration charges, and the fundamental cost of money.

Personnel costs are a key driver, reflecting the relationship-based model. While specific personnel expense line items aren't broken out in detail for 2025, we see the impact in the operating non-interest expense. For instance, operating non-interest expense in the third quarter of 2025 was $307 million, which included $34 million contributed by the newly acquired Pacific Premier for one month of operations. The bank noted that miscellaneous expenses trended higher as they reinvest prior cost savings into experienced bankers and customer-focused technology, which supports the relationship banker model. Pre-acquisition, Columbia Banking System expected its operating expenses for 2025 to be in the $1.0 billion to $1.01 billion range.

Technology and infrastructure costs fall under the broader non-interest expense. The reinvestment mentioned above definitely covers these areas, as the bank aims for operational efficiency while supporting its growth strategy.

Merger and restructuring expenses from the PPBI integration are significant and clearly visible in the third quarter results. Total non-interest expense for Q3 2025 hit $393 million, an increase of $115 million from Q2 2025, primarily due to $87 million in merger and restructuring expense, plus one month of combined company operations.

Interest expense on deposits and borrowings shows a trend of decreasing funding costs, which helped the net interest margin expand. The cost of interest-bearing liabilities in Q2 2025 was 2.78%, down 2 basis points from Q1 2025. By Q3 2025, this cost decreased further by 13 basis points from the prior quarter to 2.65%. This decrease reflects proactive management of deposit rates following a 25-basis point federal funds rate reduction in mid-September and a reduction in higher-cost brokered deposits. Total interest expense for the three months ended September 30, 2025, was $63.0 million, a decrease of $7.6 million from the same period in 2024.

The Provision for Credit Losses (PCL) remains a key cost consideration. The provision expense was $29 million in Q2 2025. This compares to $27 million in Q1 2025. However, the PCL jumped to $70 million in Q3 2025, which was explicitly driven by the acquisition of Pacific Premier. The total allowance for credit losses stood at $439 million, or 1.17% of total loans, as of June 30, 2025.

Here's a quick look at how the major expense categories stacked up in the second and third quarters of 2025:

Expense Category	Q2 2025 Amount ($ millions)	Q3 2025 Amount ($ millions)
Total Non-Interest Expense (GAAP)	$278	$393
Operating Non-Interest Expense	$269	$307
Merger and Restructuring Expense	N/A (Q1 included $15M severance)	$87
Provision for Credit Losses	$29	$70
Total Interest Expense (3-month period)	Implied lower than Q3 2024's $70.6M	$63.0

The operating expense jump in Q3 2025, excluding merger costs, was $37 million quarter-over-quarter, with Pacific Premier contributing $34 million of that run rate increase. If onboarding takes longer than expected, integration costs could definitely run higher.

Columbia Banking System, Inc. (COLB) - Canvas Business Model: Revenue Streams

You're looking at how Columbia Banking System, Inc. brings in its money as of late 2025, right after they closed the Pacific Premier acquisition. Honestly, for a bank like Columbia Banking System, Inc., the revenue streams are pretty standard, but the scale has shifted significantly.

The primary engine is the spread between what they earn on assets and what they pay for liabilities. This is the Net Interest Income (NII), which was reported at $505 million for the third quarter of 2025. This number reflects a $59 million increase from the prior quarter, helped by the first month of operating as a combined company and a favorable shift to lower-cost funding sources.

This interest-earning power is directly tied to the size of their lending book. As of September 30, 2025, the balance sheet held $48.5 billion in gross loans and leases. This asset base is what generates the core interest income component of the NII.

The second major stream comes from non-interest income, which is essentially fee-based revenue. For Q3 2025, total non-interest income was $77 million, an increase of $12 million over the second quarter. This stream is where you find the revenue from the core fee businesses you mentioned, plus wealth management and service charges.

Here's a quick look at the key revenue components from Q3 2025:

Revenue Component	Amount (Q3 2025)
Net Interest Income (NII)	$505 million
Total Non-Interest Income	$77 million
Total Reported Revenue	$582 million
Gross Loans and Leases (Asset Base)	$48.5 billion

Historically, Net Interest Income has made up about 83% of Columbia Banking System, Inc.'s total revenue over the last five years, showing a heavy reliance on the interest rate spread. The non-interest income is built from several service-related activities, even though we don't have the exact breakdown for every category in the latest report. You should expect revenue from these areas to grow as the integration with Pacific Premier progresses, which is part of the company's revenue remix thesis to replace run-off loans with higher-rate relationship lending that includes fee income.

The specific sources that feed into that non-interest income bucket include:

• Non-interest income from core fee businesses, such as treasury and card fees.
• Fees generated from wealth management, trust, and broader financial services.
• Service charges and other miscellaneous bank fees.

If onboarding the new systems from the acquisition takes longer than expected, realizing the expected fee income growth from these services could be delayed. Finance: draft 13-week cash view by Friday.