Columbia Banking System, Inc. (Colb): Modelo de negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico do Columbia Banking System, Inc. (Colb), uma instituição financeira dinâmica que criou magistralmente seu modelo de negócios para atender às diversas necessidades bancárias do noroeste do Pacífico. Ao alavancar estrategicamente parcerias locais, tecnologias digitais de ponta e uma profunda compreensão da dinâmica regional do mercado, a Colb se posicionou como um fornecedor abrangente de soluções financeiras para empresas e indivíduos. Essa tela de modelo de negócios revela a estrutura intrincada que impulsiona o sucesso do banco, mostrando como eles transformam o setor bancário tradicional em uma experiência personalizada e orientada por tecnologia que ressoa com seus segmentos de clientes-alvo.

Columbia Banking System, Inc. (Colb) - Modelo de negócios: Parcerias -chave

Associações comerciais locais e regionais

A partir do quarto trimestre 2023, o Sistema Bancário de Columbia mantém parcerias com:

Associação	Status de associação	Alcance geográfico
Associação de Banqueiros de Washington	Membro ativo	Estado de Washington
Associação de Banqueiros do Oregon	Membro ativo	Estado de Oregon

Provedores de serviços de tecnologia financeira (FinTech)

As principais parcerias de fintech incluem:

• Jack Henry & Associados - Provedor de plataforma bancária principal
• Fiserv - soluções de processamento de pagamento
• Plaid - Serviços de integração bancária digital

Parceiros de produtos de seguro e investimento

Parceiro	Tipo de produto	Duração da parceria
Seguro nacional	Seguro comercial	Mais de 10 anos
Vanguarda	Gerenciamento de investimentos	8 anos

Redes bancárias correspondentes

O sistema bancário de Columbia mantém os relacionamentos bancários correspondentes com:

• Banco dos EUA
• Wells Fargo
• Bank of America

Organizações de desenvolvimento comunitário

Parcerias estratégicas incluem:

Organização	Área de foco	Valor anual de colaboração
Conselho de Desenvolvimento Econômico de Seattle	Suporte para pequenas empresas	$250,000
Alliance de Portland Business	Desenvolvimento econômico	$175,000

Columbia Banking System, Inc. (Colb) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

No quarto trimestre 2023, o Sistema Bancário de Columbia registrou ativos totais de US $ 24,1 bilhões e depósitos totais de US $ 20,3 bilhões. O banco opera 127 agências em Washington, Oregon, Califórnia e Idaho.

Categoria de serviço bancário	Volume total (2023)
Portfólio de empréstimos comerciais	US $ 15,7 bilhões
Contas bancárias de varejo	342.000 contas ativas
Clientes bancários de negócios	22.500 pequenas e médias empresas

Origem e subscrição de empréstimos

Em 2023, o banco processou e originou:

• Empréstimos imobiliários comerciais: US $ 6,2 bilhões
• Empréstimos comerciais e industriais: US $ 4,5 bilhões
• Empréstimos ao consumidor: US $ 1,8 bilhão

Gerenciamento de plataforma bancária digital

Canal digital	Métricas de usuário (2023)
Usuários bancários móveis	218,000
Transações bancárias online	37,6 milhões de transações anuais
Taxa de abertura da conta digital	42% das novas contas

Gerenciamento de patrimônio e consultoria de investimento

Desempenho do segmento de gerenciamento de patrimônio em 2023:

• Ativos sob gestão: US $ 3,9 bilhões
• Valor médio da conta: $ 625.000
• Total de clientes de gerenciamento de patrimônio: 14.500

Gerenciamento de riscos e monitoramento de conformidade

Métricas de conformidade e gerenciamento de riscos para 2023:

• Equipe de conformidade: 87 profissionais dedicados
• Orçamento anual de conformidade: US $ 12,3 milhões
• Classificação do exame regulatório: satisfatório

Columbia Banking System, Inc. (Colb) - Modelo de negócios: Recursos -chave

Forte infraestrutura bancária regional

A partir do quarto trimestre 2023, o Sistema Bancário de Columbia opera 133 filiais em Washington, Oregon, Califórnia e Idaho. Total de ativos: US $ 24,4 bilhões. Base de depósito: US $ 21,1 bilhões.

Presença geográfica	Número de ramificações	Total de ativos
Washington	68	US $ 12,6 bilhões
Oregon	35	US $ 6,2 bilhões
Califórnia	22	US $ 4,5 bilhões
Idaho	8	US $ 1,1 bilhão

Equipe de gestão financeira experiente

Equipe de liderança com experiência bancária média de 22 anos. Principais executivos:

• Clint Stein, presidente e CEO, 25 anos em bancos
• Aaron Deer, Diretor Financeiro, 18 anos de experiência financeira
• Gregory Ritts, diretor de operações, 20 anos de experiência bancária

Tecnologia Bancária Digital Avançada

Investimento de infraestrutura de tecnologia: US $ 42,3 milhões em 2023. As plataformas bancárias digitais incluem:

• Aplicativo bancário móvel com 215.000 usuários ativos
• Plataforma bancária online com 78% de taxa de adoção de clientes
• Sistemas avançados de segurança cibernética com investimento anual de US $ 8,7 milhões

Banco de dados robusto de relacionamento com o cliente

Métricas de banco de dados de clientes:

Segmento de clientes	Total de clientes	Valor médio da conta
Bancos pessoais	345,000	$87,500
Banking de negócios	28,500	$475,000
Bancos comerciais	3,200	US $ 2,3 milhões

Portfólio de produtos financeiros abrangentes

A gama de produtos inclui:

• Contas de corrente pessoal: 12 tipos distintos
• Produtos de empréstimos comerciais: 8 categorias especializadas
• Serviços de investimento: US $ 3,6 bilhões de ativos sob gestão
• Volume de empréstimos hipotecários: US $ 1,2 bilhão em 2023

Columbia Banking System, Inc. (Colb) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas e indivíduos

A partir do quarto trimestre 2023, o Columbia Banking System oferece soluções bancárias personalizadas com:

Segmento de clientes	Total de clientes	Valor médio da conta
Clientes comerciais	48,372	$1,247,500
Clientes individuais	287,649	$124,750

Taxas de juros competitivas e produtos financeiros

Taxas de juros e ofertas de produtos em janeiro de 2024:

• Taxas de juros de empréstimos comerciais: 6,25% - 9,75%
• Conta de poupança pessoal: 3,15% APY
• Certificado de taxas de depósito: 4,50% - 5,25%
• Empréstimos imobiliários comerciais: 7,25%

Experiência no mercado local e entendimento da comunidade

Presença do mercado geográfico:

Estado	Número de ramificações	Quota de mercado
Washington	102	37.5%
Oregon	53	22.7%
Califórnia	41	15.3%

Experiências bancárias digitais e tradicionais integradas

Métricas bancárias digitais:

• Usuários bancários móveis: 214.500
• Transações bancárias online: 3,2 milhões mensais
• Taxa de abertura da conta digital: 62%
• Classificação de aplicativo móvel: 4.6/5

Serviços abrangentes de planejamento financeiro e consultoria

Redução de serviços de consultoria financeira:

Tipo de serviço	Total de clientes	Ativos médios sob gerenciamento
Gestão de patrimônio	12,375	$5,600,000
Planejamento de aposentadoria	8,642	$1,850,000
Aviso de investimento	6,789	$3,200,000

Columbia Banking System, Inc. (Colb) - Modelo de negócios: Relacionamentos do cliente

Gerentes bancários de relacionamento dedicado

A partir de 2024, o sistema bancário de Columbia mantém 87 gerentes bancários de relacionamento dedicado em suas regiões operacionais. Esses gerentes servem clientes bancários corporativos e comerciais Com a receita anual varia entre US $ 5 milhões e US $ 500 milhões.

Segmento de clientes	Número de gerentes dedicados	Portfólio médio de clientes
Banco corporativo	42	15-20 clientes
Bancos comerciais	45	20-25 clientes

Canais de suporte ao cliente personalizados

O sistema bancário de Columbia oferece vários canais de suporte com 99,2% da taxa de resposta ao cliente:

• Suporte telefônico: disponível 12 horas por dia
• Suporte por e -mail: Tempo médio de resposta 4,7 horas
• Chat online: disponibilidade 24/7
• Suporte baseado em ramificação: 187 locais físicos

Plataformas bancárias de autoatendimento digital

Estatísticas de uso da plataforma digital para 2024:

Plataforma	Usuários ativos	Volume de transação
Aplicativo bancário móvel	342,000	1,7 milhão de transações mensais
Portal bancário online	276,000	1,3 milhão de transações mensais

Ofertas regulares de consulta financeira

Financeiro de consultoria financeira Avaria:

• Revisões financeiras trimestrais gratuitas: 4.200 clientes anualmente
• Consultas de planejamento de aposentadoria: 2.800 sessões
• Reuniões de estratégia de investimento: 1.900 sessões

Eventos de engajamento e networking da comunidade

Métricas de engajamento da comunidade para 2024:

Tipo de evento	Número de eventos	Contagem de participantes
Rede de negócios	76	4.500 participantes
Workshops de alfabetização financeira	42	2.100 participantes
Fóruns econômicos locais	18	1.200 participantes

Columbia Banking System, Inc. (Colb) - Modelo de negócios: canais

Rede de filial física no noroeste do Pacífico

A partir do quarto trimestre 2023, o Sistema Bancário de Columbia opera 127 filiais físicas em Washington, Oregon, Califórnia e Idaho.

Estado	Número de ramificações
Washington	72
Oregon	35
Califórnia	15
Idaho	5

Site bancário online

A plataforma bancária on -line do Sistema Bancário de Columbia serve aproximadamente 250.000 usuários digitais ativos em dezembro de 2023.

• URL do site: columbiabank.com
• Taxa de abertura da conta on -line: 35% das novas contas em 2023
• Tráfego diário médio do site: 45.000 visitantes únicos

Aplicativo bancário móvel

O aplicativo Banking Mobile foi baixado 175.000 vezes com uma classificação de 4,2/5 em lojas de aplicativos.

Plataforma	Baixar contagem
iOS	95,000
Android	80,000

Rede ATM

O Sistema Bancário de Columbia mantém 210 caixas eletrônicos proprietários em suas regiões operacionais.

• Transações gratuitas de caixas eletrônicos para titulares de contas
• Acesso a mais de 30.000 caixas eletrônicos de rede em todo o país
• Volume médio mensal de transação ATM: 425.000

Suporte ao cliente de telefone e digital

Os canais de suporte ao cliente incluem serviços de telefone, email e bate -papo.

Canal de suporte	Tempo médio de resposta
Suporte telefônico	3,5 minutos
Suporte por e -mail	24 horas
Bate -papo ao vivo	2,1 minutos

Columbia Banking System, Inc. (Colb) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre de 2023, o Columbia Banking System atende a aproximadamente 26.000 clientes comerciais pequenos e médios em toda a região noroeste do Pacífico. O portfólio total de empréstimos comerciais para este segmento foi de US $ 4,2 bilhões.

Métricas de segmento de negócios	2023 dados
Número de clientes comerciais	26,000
Portfólio de empréstimos comerciais	US $ 4,2 bilhões
Tamanho médio de empréstimo comercial	$162,000

Empresas comerciais locais

Os clientes da empresa comercial local representam 35% da receita bancária comercial total da Colb, com foco em indústrias, incluindo:

• Desenvolvimento imobiliário
• Construção
• Serviços profissionais
• Comércio de varejo

Clientes bancários de varejo individuais

Em dezembro de 2023, o Columbia Banking System manteve 618.000 contas de banco de varejo individuais com depósitos totais de US $ 24,3 bilhões.

Métricas bancárias de varejo	2023 Figuras
Contas totais de varejo	618,000
Total de depósitos de varejo	US $ 24,3 bilhões
Depósito médio do cliente	$39,322

Indivíduos de alta rede

O segmento de clientes de alto patrimônio líquido compreende 12% da base total de clientes, com saldos médios de conta superiores a US $ 500.000. O total de ativos sob gestão desse segmento atingiu US $ 3,8 bilhões em 2023.

Provedores de serviços profissionais

Os provedores de serviços profissionais constituem 18% da base de clientes bancários comerciais da Colb, com concentração em:

• Serviços Jurídicos
• Administração de Saúde
• Consultoria de Tecnologia
• Empresas de contabilidade

Segmento de serviços profissionais	2023 dados
Total de clientes de serviço profissional	4,700
Empréstimos comerciais para segmento	US $ 1,1 bilhão
Porcentagem de portfólio comercial	18%

Columbia Banking System, Inc. (Colb) - Modelo de negócios: estrutura de custos

Compensação e benefícios dos funcionários

No ano fiscal de 2023, a Columbia Banking System, Inc. registrou despesas totais de remuneração de funcionários de US $ 372,4 milhões.

Categoria de compensação	Valor ($)
Salários	248,600,000
Bônus	54,300,000
Remuneração baseada em ações	36,500,000
Benefícios dos funcionários	33,000,000

Manutenção de infraestrutura de tecnologia

As despesas de tecnologia e infraestrutura de 2023 totalizaram US $ 87,6 milhões.

• Manutenção de sistemas de TI: US $ 42,3 milhões
• Investimentos de segurança cibernética: US $ 22,1 milhões
• Licenciamento de software: US $ 15,2 milhões
• Atualizações de hardware: US $ 8 milhões

Despesas de operação de ramificação

Os custos totais de operação da filial para 2023 foram de US $ 156,2 milhões.

Categoria de despesa de ramificação	Valor ($)
Aluguel e ocupação	67,500,000
Utilitários	18,700,000
Manutenção e reparos	35,600,000
Equipamento de ramificação	34,400,000

Custos de conformidade regulatória

As despesas de conformidade regulatória em 2023 totalizaram US $ 63,9 milhões.

• Equipe legal e de conformidade: US $ 29,6 milhões
• Despesas de auditoria e relatório: US $ 21,3 milhões
• Tecnologia regulatória: US $ 13 milhões

Despesas de marketing e aquisição de clientes

Os custos de marketing e aquisição de clientes para 2023 foram de US $ 44,7 milhões.

Categoria de despesa de marketing	Valor ($)
Marketing digital	18,200,000
Publicidade tradicional	12,500,000
Programas de aquisição de clientes	14,000,000

Columbia Banking System, Inc. (Colb) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos

A partir do quarto trimestre 2023, o sistema bancário de Columbia relatou US $ 525,7 milhões em receita de juros líquidos. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Balanço total	Rendimento de juros
Empréstimos comerciais	US $ 8,3 bilhões	5.62%
Empréstimos imobiliários	US $ 6,7 bilhões	4.95%
Empréstimos ao consumidor	US $ 2,1 bilhões	4.37%

Taxas de serviço bancário

Receita de taxa de serviço para 2023 totalizou US $ 143,6 milhões, com a seguinte estrutura de taxas:

• Taxas de manutenção de conta: US $ 42,3 milhões
• Taxas de cheque especial: US $ 31,5 milhões
• Taxas de transação ATM: US $ 22,8 milhões
• Taxas de transferência de fio: US $ 15,4 milhões
• Outros serviços bancários: US $ 31,6 milhões

Serviços de investimento e gerenciamento de patrimônio

Serviços de investimento gerados US $ 87,2 milhões em receita para 2023, com ativos sob administração em US $ 12,4 bilhões.

Categoria de serviço	Receita	Ativos do cliente
Gestão de patrimônio	US $ 52,6 milhões	US $ 7,8 bilhões
Aviso de investimento	US $ 34,6 milhões	US $ 4,6 bilhões

Taxas de processamento de transações

As receitas de processamento de transações alcançaram US $ 36,5 milhões em 2023, incluindo:

• Transações de cartão de débito: US $ 18,7 milhões
• Processamento de cartão de crédito: US $ 11,3 milhões
• Serviços de pagamento eletrônico: US $ 6,5 milhões

Receita de produtos hipotecários e empréstimos

As receitas de produtos de hipoteca e empréstimos totalizaram US $ 214,9 milhões Em 2023:

Produto	Receita total	Volume
Originação hipotecária	US $ 89,6 milhões	US $ 1,2 bilhão
Refinanciamento	US $ 45,3 milhões	US $ 620 milhões
Empréstimos comerciais	US $ 80 milhões	US $ 2,5 bilhões

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.