Columbia Banking System, Inc. (COLB): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico del Columbia Banking System, Inc. (COLB), una institución financiera dinámica que ha creado magistralmente su modelo de negocio para satisfacer las diversas necesidades bancarias del noroeste del Pacífico. Al aprovechar estratégicamente las asociaciones locales, las tecnologías digitales de vanguardia y una comprensión profunda de la dinámica regional del mercado, Colb se ha posicionado como un proveedor integral de soluciones financieras para empresas e individuos por igual. Este lienzo de modelo de negocio revela el intrincado marco que impulsa el éxito del banco, mostrando cómo transforman la banca tradicional en una experiencia personalizada y basada en tecnología que resuena con sus segmentos de clientes objetivo.

Columbia Banking System, Inc. (COLB) - Modelo de negocios: asociaciones clave

Asociaciones comerciales locales y regionales

A partir del cuarto trimestre de 2023, el sistema bancario de Columbia mantiene asociaciones con:

Asociación	Estado de membresía	Alcance geográfico
Asociación de Banqueros de Washington	Miembro activo	Estado de Washington
Asociación de Banqueros de Oregon	Miembro activo	Estado de Oregón

Proveedores de servicios de tecnología financiera (fintech)

Las asociaciones clave de fintech incluyen:

• Jack Henry & Asociados: proveedor de plataforma bancaria central
• FISERV - Soluciones de procesamiento de pagos
• Plaid - Servicios de integración bancaria digital

Socios de productos de seguros e inversión

Pareja	Tipo de producto	Duración de la asociación
Seguro nacional	Seguro comercial	Más de 10 años
Vanguardia	Gestión de inversiones	8 años

Redes bancarias corresponsales

El sistema bancario de Columbia mantiene las relaciones bancarias corresponsales con:

• Banco estadounidense
• Wells Fargo
• Banco de América

Organizaciones de desarrollo comunitario

Las asociaciones estratégicas incluyen:

Organización	Área de enfoque	Valor de colaboración anual
Consejo de Desarrollo Económico de Seattle	Soporte de pequeñas empresas	$250,000
Portland Business Alliance	Desarrollo económico	$175,000

Columbia Banking System, Inc. (COLB) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, el sistema bancario de Columbia reportó activos totales de $ 24.1 mil millones y depósitos totales de $ 20.3 mil millones. El banco opera 127 sucursales en Washington, Oregon, California e Idaho.

Categoría de servicio bancario	Volumen total (2023)
Cartera de préstamos comerciales	$ 15.7 mil millones
Cuentas bancarias minoristas	342,000 cuentas activas
Clientes bancarios de negocios	22,500 empresas pequeñas y medianas

Originación de préstamo y suscripción

En 2023, el banco procesó y originó:

• Préstamos comerciales de bienes raíces: $ 6.2 mil millones
• Préstamos comerciales e industriales: $ 4.5 mil millones
• Préstamos al consumidor: $ 1.8 mil millones

Gestión de la plataforma de banca digital

Canal digital	Métricas del usuario (2023)
Usuarios de banca móvil	218,000
Transacciones bancarias en línea	37.6 millones de transacciones anuales
Tasa de apertura de cuenta digital	42% de las cuentas nuevas

Aviso de gestión de patrimonio e inversiones

Rendimiento del segmento de gestión de patrimonio en 2023:

• Activos bajo administración: $ 3.9 mil millones
• Valor de cuenta promedio: $ 625,000
• Total de clientes de gestión de patrimonio: 14,500

Gestión de riesgos y monitoreo de cumplimiento

Métricas de cumplimiento y gestión de riesgos para 2023:

• Personal de cumplimiento: 87 profesionales dedicados
• Presupuesto de cumplimiento anual: $ 12.3 millones
• Calificación de examen regulatorio: satisfactorio

Columbia Banking System, Inc. (COLB) - Modelo de negocio: recursos clave

Infraestructura bancaria regional fuerte

A partir del cuarto trimestre de 2023, el sistema bancario de Columbia opera 133 sucursales en Washington, Oregon, California e Idaho. Activos totales: $ 24.4 mil millones. Base de depósito: $ 21.1 mil millones.

Presencia geográfica	Número de ramas	Activos totales
Washington	68	$ 12.6 mil millones
Oregón	35	$ 6.2 mil millones
California	22	$ 4.5 mil millones
Idaho	8	$ 1.1 mil millones

Equipo experimentado de gestión financiera

Equipo de liderazgo con experiencia bancaria promedio de 22 años. Ejecutivos clave:

• Clint Stein, presidente y CEO, 25 años en banca
• Aaron Deer, director financiero, 18 años de experiencia financiera
• Gregory Ritts, director de operaciones, 20 años de experiencia bancaria

Tecnología de banca digital avanzada

Inversión en infraestructura tecnológica: $ 42.3 millones en 2023. Las plataformas de banca digital incluyen:

• Aplicación de banca móvil con 215,000 usuarios activos
• Plataforma de banca en línea con 78% de tasa de adopción del cliente
• Sistemas avanzados de ciberseguridad con una inversión anual de $ 8,7 millones

Base de datos de relación con el cliente robusta

Métricas de la base de datos de clientes:

Segmento de clientes	Total de clientes	Valor de cuenta promedio
Banca personal	345,000	$87,500
Banca de negocios	28,500	$475,000
Banca comercial	3,200	$ 2.3 millones

Cartera integral de productos financieros

La gama de productos incluye:

• Cuentas corrientes personales: 12 tipos distintos
• Productos de préstamos comerciales: 8 categorías especializadas
• Servicios de inversión: activos de $ 3.6 mil millones bajo administración
• Volumen de préstamos hipotecarios: $ 1.2 mil millones en 2023

Columbia Banking System, Inc. (COLB) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas e individuos

A partir del cuarto trimestre de 2023, el sistema bancario Columbia ofrece soluciones bancarias personalizadas con:

Segmento de clientes	Total de clientes	Valor de cuenta promedio
Clientes comerciales	48,372	$1,247,500
Clientes individuales	287,649	$124,750

Tasas de interés competitivas y productos financieros

Tasas de interés y ofertas de productos a partir de enero de 2024:

• Tasas de interés del préstamo comercial: 6.25% - 9.75%
• Cuenta de ahorro personal: 3.15% APY
• Certificado de tasas de depósito: 4.50% - 5.25%
• Préstamos inmobiliarios comerciales: 7.25%

Experiencia en el mercado local y comprensión de la comunidad

Presencia del mercado geográfico:

Estado	Número de ramas	Cuota de mercado
Washington	102	37.5%
Oregón	53	22.7%
California	41	15.3%

Experiencias bancarias digitales y tradicionales integradas

Métricas bancarias digitales:

• Usuarios de banca móvil: 214,500
• Transacciones bancarias en línea: 3.2 millones mensuales
• Tasa de apertura de cuenta digital: 62%
• Calificación de la aplicación móvil: 4.6/5

Servicios integrales de planificación financiera y asesoramiento

Desglose del servicio de asesoramiento financiero:

Tipo de servicio	Total de clientes	Activos promedio bajo administración
Gestión de patrimonio	12,375	$5,600,000
Planificación de jubilación	8,642	$1,850,000
Aviso de inversión	6,789	$3,200,000

Columbia Banking System, Inc. (COLB) - Modelo de negocios: relaciones con los clientes

Gerentes de banca de relaciones dedicadas

A partir de 2024, el sistema bancario de Columbia mantiene 87 gerentes de banca de relaciones dedicadas a través de sus regiones operativas. Estos gerentes sirven clientes de banca corporativa y comercial Con rangos de ingresos anuales entre $ 5 millones y $ 500 millones.

Segmento de clientes	Número de gerentes dedicados	Cartera promedio de clientes
Banca corporativa	42	15-20 clientes
Banca comercial	45	20-25 clientes

Canales de atención al cliente personalizados

El sistema bancario de Columbia ofrece múltiples canales de soporte con 99.2% Tasa de respuesta al cliente:

• Soporte telefónico: disponible 12 horas al día
• Soporte por correo electrónico: Tiempo de respuesta promedio 4.7 horas
• Chat en línea: disponibilidad 24/7
• Soporte basado en sucursales: 187 ubicaciones físicas

Plataformas de banca de autoservicio digital

Estadísticas de uso de la plataforma digital para 2024:

Plataforma	Usuarios activos	Volumen de transacción
Aplicación de banca móvil	342,000	1.7 millones de transacciones mensuales
Portal bancario en línea	276,000	1.3 millones de transacciones mensuales

Ofertas de consulta financiera regular

Desglose de servicios de consulta financiera:

• Revisiones financieras trimestrales gratuitas: 4.200 clientes anualmente
• Consultas de planificación de jubilación: 2,800 sesiones
• Reuniones de estrategia de inversión: 1.900 sesiones

Eventos de participación comunitaria y redes

Métricas de participación comunitaria para 2024:

Tipo de evento	Número de eventos	Recuento de participantes
Redes comerciales	76	4.500 participantes
Talleres de educación financiera	42	2.100 participantes
Foros económicos locales	18	1.200 participantes

Columbia Banking System, Inc. (COLB) - Modelo de negocio: canales

Red de sucursales físicas en el noroeste del Pacífico

A partir del cuarto trimestre de 2023, el sistema bancario de Columbia opera 127 ramas físicas en Washington, Oregon, California e Idaho.

Estado	Número de ramas
Washington	72
Oregón	35
California	15
Idaho	5

Sitio web de banca en línea

La plataforma bancaria en línea del sistema bancario de Columbia sirve a aproximadamente 250,000 usuarios digitales activos a diciembre de 2023.

• URL del sitio web: columbiabank.com
• Tasa de apertura de la cuenta en línea: 35% de las cuentas nuevas en 2023
• Tráfico promedio del sitio web diario: 45,000 visitantes únicos

Aplicación de banca móvil

La aplicación de banca móvil se ha descargado 175,000 veces con una calificación de 4.2/5 en las tiendas de aplicaciones.

Plataforma	Descargar recuento
iOS	95,000
Androide	80,000

Red de cajeros automáticos

El sistema bancario de Columbia mantiene 210 cajeros automáticos patentados en sus regiones operativas.

• Transacciones de cajeros automáticos gratuitos para titulares de cuentas
• Acceso a más de 30,000 cajeros automáticos de red en todo el país
• Volumen promedio de transacción de cajero automático: 425,000

Atención al cliente de teléfono y digital

Los canales de atención al cliente incluyen servicios de teléfono, correo electrónico y chat.

Canal de soporte	Tiempo de respuesta promedio
Soporte telefónico	3.5 minutos
Soporte por correo electrónico	24 horas
Chat en vivo	2.1 minutos

Columbia Banking System, Inc. (COLB) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, el sistema bancario de Columbia atiende a aproximadamente 26,000 clientes comerciales pequeños a medianos en toda la región del noroeste del Pacífico. La cartera total de préstamos comerciales para este segmento fue de $ 4.2 mil millones.

Métricas de segmento de negocios	2023 datos
Número de clientes comerciales	26,000
Cartera de préstamos comerciales	$ 4.2 mil millones
Tamaño promedio del préstamo comercial	$162,000

Empresas comerciales locales

Los clientes de la empresa comercial local representan el 35% de los ingresos de la banca comercial total de Colb, con un enfoque en las industrias que incluyen:

• Desarrollo inmobiliario
• Construcción
• Servicios profesionales
• Comercio al por menor

Clientes de banca minorista individual

A diciembre de 2023, el sistema bancario de Columbia mantuvo 618,000 cuentas bancarias minoristas individuales con depósitos totales de $ 24.3 mil millones.

Métricas de banca minorista	2023 cifras
Cuentas minoristas totales	618,000
Depósitos minoristas totales	$ 24.3 mil millones
Depósito promedio del cliente	$39,322

Individuos de alto nivel de red

El segmento de clientes de alto nivel de red comprende el 12% de la base total de clientes, con saldos de cuenta promedio superiores a $ 500,000. Los activos totales bajo administración para este segmento alcanzaron los $ 3.8 mil millones en 2023.

Proveedores de servicios profesionales

Los proveedores de servicios profesionales constituyen el 18% de la base de clientes de banca comercial de Colb, con concentración en:

• Servicios legales
• Administración de la salud
• Consultoría tecnológica
• Firmas de contabilidad

Segmento de servicios profesionales	2023 datos
Total de clientes de servicios profesionales	4,700
Préstamos comerciales al segmento	$ 1.1 mil millones
Porcentaje de cartera comercial	18%

Columbia Banking System, Inc. (COLB) - Modelo de negocio: Estructura de costos

Compensación y beneficios de los empleados

A partir del año fiscal 2023, Columbia Banking System, Inc. reportó gastos totales de compensación de empleados de $ 372.4 millones.

Categoría de compensación	Monto ($)
Salarios	248,600,000
Bonificaciones	54,300,000
Compensación basada en acciones	36,500,000
Beneficios para empleados	33,000,000

Mantenimiento de la infraestructura tecnológica

Los gastos de tecnología e infraestructura para 2023 totalizaron $ 87.6 millones.

• Mantenimiento de sistemas de TI: $ 42.3 millones
• Inversiones de ciberseguridad: $ 22.1 millones
• Licencias de software: $ 15.2 millones
• Actualizaciones de hardware: $ 8 millones

Gastos de operación de rama

Los costos de operación total de la sucursal para 2023 fueron de $ 156.2 millones.

Categoría de gastos de rama	Monto ($)
Alquiler y ocupación	67,500,000
Utilidades	18,700,000
Mantenimiento y reparaciones	35,600,000
Equipo de rama	34,400,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento regulatorio para 2023 ascendieron a $ 63.9 millones.

• Personal legal y de cumplimiento: $ 29.6 millones
• Gastos de auditoría e informes: $ 21.3 millones
• Tecnología regulatoria: $ 13 millones

Gastos de marketing y adquisición de clientes

Los costos de marketing y adquisición de clientes para 2023 fueron de $ 44.7 millones.

Categoría de gastos de marketing	Monto ($)
Marketing digital	18,200,000
Publicidad tradicional	12,500,000
Programas de adquisición de clientes	14,000,000

Columbia Banking System, Inc. (COLB) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos

A partir del cuarto trimestre de 2023, el sistema bancario de Columbia informó $ 525.7 millones en ingresos por intereses netos. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Saldo total	Rendimiento de intereses
Préstamos comerciales	$ 8.3 mil millones	5.62%
Préstamos inmobiliarios	$ 6.7 mil millones	4.95%
Préstamos al consumo	$ 2.1 mil millones	4.37%

Tarifas de servicio bancario

Los ingresos por tarifas de servicio para 2023 totalizaron $ 143.6 millones, con la siguiente estructura de tarifas:

• Tarifas de mantenimiento de la cuenta: $ 42.3 millones
• Tarifas de sobregiro: $ 31.5 millones
• Tarifas de transacción de cajeros automáticos: $ 22.8 millones
• Tasas de transferencia de cables: $ 15.4 millones
• Otros servicios bancarios: $ 31.6 millones

Servicios de inversión y gestión de patrimonio

Servicios de inversión generados $ 87.2 millones en ingresos para 2023, con activos bajo administración en $ 12.4 mil millones.

Categoría de servicio	Ganancia	Activos del cliente
Gestión de patrimonio	$ 52.6 millones	$ 7.8 mil millones
Aviso de inversión	$ 34.6 millones	$ 4.6 mil millones

Tarifas de procesamiento de transacciones

Los ingresos del procesamiento de transacciones alcanzaron $ 36.5 millones en 2023, incluyendo:

• Transacciones de tarjeta de débito: $ 18.7 millones
• Procesamiento de tarjeta de crédito: $ 11.3 millones
• Servicios de pago electrónico: $ 6.5 millones

Ingresos de productos hipotecarios y de préstamos

Los ingresos de la hipoteca y los productos de préstamo totalizaron $ 214.9 millones En 2023:

Producto	Ingresos totales	Volumen
Origen hipotecario	$ 89.6 millones	$ 1.2 mil millones
Refinanciación	$ 45.3 millones	$ 620 millones
Préstamo comercial	$ 80 millones	$ 2.5 mil millones

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.