Columbia Banking System, Inc. (COLB): Business Model Canvas [Jan-2025 Mis à jour]

Plongez dans le plan stratégique de Columbia Banking System, Inc. (COLB), une institution financière dynamique qui a magistralement conçu son modèle commercial pour répondre aux divers besoins bancaires du Pacifique Nord-Ouest. En tirant parti stratégiquement des partenariats locaux, des technologies numériques de pointe et une compréhension approfondie de la dynamique du marché régional, COLB s'est positionné comme un fournisseur de solutions financières complet pour les entreprises et les particuliers. Cette toile de modèle commercial révèle le cadre complexe qui stimule le succès de la banque, montrant comment ils transforment les banques traditionnelles en une expérience personnalisée et axée sur la technologie qui résonne avec leurs segments de clientèle cibles.

Columbia Banking System, Inc. (COLB) - Modèle d'entreprise: partenariats clés

Associations commerciales locales et régionales

Au quatrième trimestre 2023, Columbia Banking System maintient des partenariats avec:

Association	Statut d'adhésion	Portée géographique
Association des banquiers de Washington	Membre actif	État de Washington
Oregon Bankers Association	Membre actif	État de l'Oregon

Provideurs de services de technologie financière (FinTech)

Les principaux partenariats fintech comprennent:

• Jack Henry & Associés - Core Banking Plategle Provider
• Fiserv - Solutions de traitement des paiements
• Plaid - services d'intégration bancaire numérique

Partenaires de produits d'assurance et d'investissement

Partenaire	Type de produit	Durée du partenariat
Assurance à l'échelle nationale	Assurance commerciale	Plus de 10 ans
Avant-garde	Gestion des investissements	8 ans

Réseaux bancaires correspondants

Columbia Banking System entretient des relations bancaires correspondantes avec:

• Banque américaine
• Wells Fargo
• Banque d'Amérique

Organisations de développement communautaire

Les partenariats stratégiques comprennent:

Organisation	Domaine de mise au point	Valeur de collaboration annuelle
Conseil de développement économique de Seattle	Soutien aux petites entreprises	$250,000
Portland Business Alliance	Développement économique	$175,000

Columbia Banking System, Inc. (COLB) - Modèle d'entreprise: activités clés

Services bancaires commerciaux et de détail

Au quatrième trimestre 2023, Columbia Banking System a déclaré un actif total de 24,1 milliards de dollars et des dépôts totaux de 20,3 milliards de dollars. La banque exploite 127 succursales à Washington, en Oregon, en Californie et en Idaho.

Catégorie de service bancaire	Volume total (2023)
Portefeuille de prêts commerciaux	15,7 milliards de dollars
Comptes bancaires de détail	342 000 comptes actifs
Clients bancaires d'entreprise	22 500 petites et moyennes entreprises

Origination du prêt et souscription

En 2023, la banque a traité et originaire:

• Prêts immobiliers commerciaux: 6,2 milliards de dollars
• Prêts commerciaux et industriels: 4,5 milliards de dollars
• Prêts à la consommation: 1,8 milliard de dollars

Gestion de la plate-forme bancaire numérique

Canal numérique	Métriques des utilisateurs (2023)
Utilisateurs de la banque mobile	218,000
Transactions bancaires en ligne	37,6 millions de transactions annuelles
Taux d'ouverture du compte numérique	42% des nouveaux comptes

Advisory de gestion de la patrimoine et d'investissement

Performance du segment de gestion de patrimoine en 2023:

• Actif sous gestion: 3,9 milliards de dollars
• Valeur moyenne du compte: 625 000 $
• Clients totaux de gestion de patrimoine: 14 500

Gestion des risques et surveillance de la conformité

Métriques de la conformité et de la gestion des risques pour 2023:

• Personnel de conformité: 87 professionnels dévoués
• Budget de conformité annuel: 12,3 millions de dollars
• Évaluation de l'examen réglementaire: satisfaisant

Columbia Banking System, Inc. (COLB) - Modèle d'entreprise: Ressources clés

Forte infrastructure bancaire régionale

Depuis le quatrième trimestre 2023, Columbia Banking System exploite 133 succursales à Washington, en Oregon, en Californie et en Idaho. Actif total: 24,4 milliards de dollars. Base de dépôt: 21,1 milliards de dollars.

Présence géographique	Nombre de branches	Actif total
Washington	68	12,6 milliards de dollars
Oregon	35	6,2 milliards de dollars
Californie	22	4,5 milliards de dollars
Idaho	8	1,1 milliard de dollars

Équipe de gestion financière expérimentée

Équipe de direction avec une expérience bancaire moyenne de 22 ans. Cadres clés:

• Clint Stein, président et chef de la direction, 25 ans de banque
• Aaron Deer, directeur financier, 18 ans d'expertise financière
• Gregory Ritts, chef de l'exploitation, 20 ans d'expérience bancaire

Technologie des banques numériques avancées

Investissement sur l'infrastructure technologique: 42,3 millions de dollars en 2023. Les plates-formes bancaires numériques comprennent:

• Application bancaire mobile avec 215 000 utilisateurs actifs
• Plateforme bancaire en ligne avec un taux d'adoption des clients de 78%
• Systèmes de cybersécurité avancés avec un investissement annuel de 8,7 millions de dollars

Base de données de relations clients robustes

Métriques de la base de données des clients:

Segment de clientèle	Total des clients	Valeur moyenne du compte
Banque personnelle	345,000	$87,500
Banque d'affaires	28,500	$475,000
Banque commerciale	3,200	2,3 millions de dollars

Portefeuille complet de produits financiers

La gamme de produits comprend:

• Comptes de chèques personnels: 12 types distincts
• Produits de prêt commercial: 8 catégories spécialisées
• Services d'investissement: 3,6 milliards de dollars d'actifs sous gestion
• Volume de prêt hypothécaire: 1,2 milliard de dollars en 2023

Columbia Banking System, Inc. (COLB) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises et les particuliers

Au quatrième trimestre 2023, Columbia Banking System propose des solutions bancaires personnalisées avec:

Segment de clientèle	Total des clients	Valeur moyenne du compte
Clients commerciaux	48,372	$1,247,500
Clients individuels	287,649	$124,750

Taux d'intérêt concurrentiels et produits financiers

Taux d'intérêt et offres de produits en janvier 2024:

• Taux d'intérêt des prêts commerciaux: 6,25% - 9,75%
• Compte d'épargne personnelle: 3,15% apy
• Certificat de taux de dépôt: 4,50% - 5,25%
• Prêts immobiliers commerciaux: 7,25%

Expertise du marché local et compréhension de la communauté

Présence du marché géographique:

État	Nombre de branches	Part de marché
Washington	102	37.5%
Oregon	53	22.7%
Californie	41	15.3%

Expériences bancaires numériques et traditionnelles intégrées

Métriques bancaires numériques:

• Utilisateurs de la banque mobile: 214 500
• Transactions bancaires en ligne: 3,2 millions par mois
• Taux d'ouverture du compte numérique: 62%
• Évaluation des applications mobiles: 4.6 / 5

Services complets de planification financière et de conseil

Répartition des services de conseil financier:

Type de service	Total des clients	Actifs moyens sous gestion
Gestion de la richesse	12,375	$5,600,000
Planification de la retraite	8,642	$1,850,000
Avis d'investissement	6,789	$3,200,000

Columbia Banking System, Inc. (COLB) - Modèle d'entreprise: Relations clients

Les gestionnaires des banques de relations dédiées

En 2024, le système bancaire Columbia maintient 87 gestionnaires de banque de relations dédiées à travers ses régions opérationnelles. Ces managers servent clients bancaires d'entreprise et commerciaux Le chiffre d'affaires annuel varie entre 5 millions de dollars et 500 millions de dollars.

Segment de clientèle	Nombre de gestionnaires dédiés	Portefeuille de clients moyens
Banque commerciale	42	15-20 clients
Banque commerciale	45	20-25 clients

Canaux de support client personnalisés

Columbia Banking System propose plusieurs canaux de support avec Taux de réponse du client à 99,2%:

• Prise en charge du téléphone: disponible 12 heures par jour
• Assistance par e-mail: temps de réponse moyen 4,7 heures
• Chat en ligne: Disponibilité 24/7
• Support basé sur la succursale: 187 emplacements physiques

Plates-formes bancaires numériques en libre-service

Statistiques d'utilisation de la plate-forme numérique pour 2024:

Plate-forme	Utilisateurs actifs	Volume de transaction
Application bancaire mobile	342,000	1,7 million de transactions mensuelles
Portail bancaire en ligne	276,000	1,3 million de transactions mensuelles

Offres de consultation financière régulières

Répartition des services de consultation financière:

• Revues financières trimestrielles gratuites: 4 200 clients chaque année
• Consultations de planification de la retraite: 2 800 séances
• Réunions de stratégie d'investissement: 1 900 séances

Engagement communautaire et événements de réseautage

Métriques d'engagement communautaire pour 2024:

Type d'événement	Nombre d'événements	Comptage des participants
Réseautage d'entreprise	76	4 500 participants
Ateliers de littératie financière	42	2 100 participants
Forums économiques locaux	18	1 200 participants

Columbia Banking System, Inc. (COLB) - Modèle d'entreprise: canaux

Réseau de succursale physique dans le nord-ouest du Pacifique

Depuis le quatrième trimestre 2023, Columbia Banking System exploite 127 succursales physiques à Washington, en Oregon, en Californie et en Idaho.

État	Nombre de branches
Washington	72
Oregon	35
Californie	15
Idaho	5

Site Web de banque en ligne

La plate-forme bancaire en ligne de Columbia Banking System dessert environ 250 000 utilisateurs numériques actifs en décembre 2023.

• URL du site Web: Columbiabank.com
• Taux d'ouverture du compte en ligne: 35% des nouveaux comptes en 2023
• Trajet quotidien moyen du site Web: 45 000 visiteurs uniques

Application bancaire mobile

L'application bancaire mobile a été téléchargée 175 000 fois avec une cote de 4,2 / 5 sur les magasins d'applications.

Plate-forme	Télécharger le nombre
ios	95,000
Androïde	80,000

Réseau ATM

Columbia Banking System maintient 210 distributeurs automatiques de billets propriétaires dans ses régions opérationnelles.

• Transactions ATM gratuites pour les titulaires de compte
• Accès à plus de 30 000 distributeurs automatiques de billets de réseau nationaux
• Volume de transaction ATM mensuel moyen: 425 000

Téléphone et support client numérique

Les canaux du support client comprennent des services de téléphone, de courrier électronique et de chat.

Canal de support	Temps de réponse moyen
Support téléphonique	3,5 minutes
Assistance par e-mail	24 heures
Chat en direct	2,1 minutes

Columbia Banking System, Inc. (COLB) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Au quatrième trimestre 2023, Columbia Banking System dessert environ 26 000 clients commerciaux de taille moyenne à moyenne dans la région du Pacifique Nord-Ouest. Le portefeuille total des prêts commerciaux pour ce segment était de 4,2 milliards de dollars.

Métriques du segment des entreprises	2023 données
Nombre de clients commerciaux	26,000
Portefeuille de prêts commerciaux	4,2 milliards de dollars
Taille moyenne des prêts commerciaux	$162,000

Entreprises commerciales locales

Les clients des entreprises commerciales locales représentent 35% des revenus totaux de la banque commerciale de COLB, en mettant l'accent sur les industries, notamment:

• Développement immobilier
• Construction
• Services professionnels
• Commerce de détail

Clients bancaires de détail individuels

En décembre 2023, Columbia Banking System a maintenu 618 000 comptes bancaires de détail individuels avec des dépôts totaux de 24,3 milliards de dollars.

Métriques bancaires au détail	2023 chiffres
Comptes de vente au détail totaux	618,000
Dépôts de vente au détail	24,3 milliards de dollars
Dépôt client moyen	$39,322

Individus à haute nette

Le segment de clientèle à haute teneur en nort représente 12% de la clientèle totale, les soldes de compte moyen dépassant 500 000 $. Le total des actifs sous gestion pour ce segment a atteint 3,8 milliards de dollars en 2023.

Fournisseurs de services professionnels

Les prestataires de services professionnels représentent 18% de la clientèle en banque commerciale de COLB, avec une concentration dans:

• Services juridiques
• Administration des soins de santé
• Conseil technologique
• Compagnies comptables

Segment des services professionnels	2023 données
Clients de services professionnels totaux	4,700
Prêts commerciaux au segment	1,1 milliard de dollars
Pourcentage de portefeuille commercial	18%

Columbia Banking System, Inc. (COLB) - Modèle d'entreprise: Structure des coûts

Compensation et avantages sociaux des employés

Depuis l'exercice 2023, Columbia Banking System, Inc. a déclaré des frais totaux d'indemnisation des employés de 372,4 millions de dollars.

Catégorie de compensation	Montant ($)
Salaires	248,600,000
Bonus	54,300,000
Compensation en stock	36,500,000
Avantages sociaux	33,000,000

Maintenance des infrastructures technologiques

Les dépenses de technologie et d'infrastructure pour 2023 ont totalisé 87,6 millions de dollars.

• Maintenance des systèmes informatiques: 42,3 millions de dollars
• Investissements en cybersécurité: 22,1 millions de dollars
• Licence logicielle: 15,2 millions de dollars
• Mises à niveau matériel: 8 millions de dollars

Dépenses de fonctionnement de la succursale

Les coûts totaux d'exploitation de la succursale pour 2023 étaient de 156,2 millions de dollars.

Catégorie de dépenses de succursale	Montant ($)
Loyer et occupation	67,500,000
Services publics	18,700,000
Entretien et réparations	35,600,000
Équipement de succursale	34,400,000

Coûts de conformité réglementaire

Les dépenses de conformité réglementaire pour 2023 s'élevaient à 63,9 millions de dollars.

• Personnel juridique et de conformité: 29,6 millions de dollars
• Frais d'audit et de rapport: 21,3 millions de dollars
• Technologie réglementaire: 13 millions de dollars

Frais de marketing et d'acquisition des clients

Les coûts de marketing et d'acquisition des clients pour 2023 étaient de 44,7 millions de dollars.

Catégorie de dépenses de marketing	Montant ($)
Marketing numérique	18,200,000
Publicité traditionnelle	12,500,000
Programmes d'acquisition de clients	14,000,000

Columbia Banking System, Inc. (COLB) - Modèle d'entreprise: Strots de revenus

Intérêt des prêts

Au quatrième trimestre 2023, le système bancaire Columbia a rapporté 525,7 millions de dollars de revenus d'intérêts nets. La répartition du portefeuille de prêts comprend:

Catégorie de prêt	Solde total	Rendement intéressant
Prêts commerciaux	8,3 milliards de dollars	5.62%
Prêts immobiliers	6,7 milliards de dollars	4.95%
Prêts à la consommation	2,1 milliards de dollars	4.37%

Frais de service bancaire

Les revenus des frais de service pour 2023 ont totalisé 143,6 millions de dollars, avec la structure des frais suivante:

• Frais de maintenance du compte: 42,3 millions de dollars
• Frais de découvert: 31,5 millions de dollars
• Frais de transaction ATM: 22,8 millions de dollars
• Frais de transfert de fil: 15,4 millions de dollars
• Autres services bancaires: 31,6 millions de dollars

Services d'investissement et de gestion de la patrimoine

Services d'investissement générés 87,2 millions de dollars de revenus pour 2023, avec des actifs sous gestion à 12,4 milliards de dollars.

Catégorie de service	Revenu	Actifs du client
Gestion de la richesse	52,6 millions de dollars	7,8 milliards de dollars
Avis d'investissement	34,6 millions de dollars	4,6 milliards de dollars

Frais de traitement des transactions

Les revenus de traitement des transactions atteints 36,5 millions de dollars en 2023, y compris:

• Transactions par carte de débit: 18,7 millions de dollars
• Traitement des cartes de crédit: 11,3 millions de dollars
• Services de paiement électronique: 6,5 millions de dollars

Revenus de produits hypothécaire et de prêt

Les revenus de produits hypothécaires et de prêt ont totalisé 214,9 millions de dollars en 2023:

Produit	Revenus totaux	Volume
Origine hypothécaire	89,6 millions de dollars	1,2 milliard de dollars
Refinancement	45,3 millions de dollars	620 millions de dollars
Prêts commerciaux	80 millions de dollars	2,5 milliards de dollars

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.