Pacific Premier Bancorp, Inc. (PPBI): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico do setor bancário regional, o Pacific Premier Bancorp, Inc. (PPBI) surge como uma potência estratégica, transformando os paradigmas bancários tradicionais por meio de abordagens inovadoras e posicionamento de mercado direcionado. Ao misturar perfeitamente soluções financeiras personalizadas com infraestrutura digital de ponta, o PPBI criou um modelo de negócios exclusivo que navega estrategicamente nos terrenos complexos de bancos comerciais, aproveitando sua forte presença regional na Califórnia e no Arizona para proporcionar valor excepcional a empresas, profissionais e alta -Net-Worth Indivíduos.

Pacific Premier Bancorp, Inc. (PPBI) - Modelo de negócios: Parcerias -chave

Alianças estratégicas com empresas locais e desenvolvedores imobiliários

No quarto trimestre 2023, o Pacific Premier Bancorp mantém parcerias estratégicas com aproximadamente 350 empresas locais e empresas de desenvolvimento imobiliário em toda a Califórnia, Oregon e Washington.

Categoria de parceria	Número de parcerias ativas	Valor total colaborativo
Promotores imobiliários	187	US $ 2,4 bilhões
Alianças de negócios locais	163	US $ 1,8 bilhão

Colaboração com provedores de serviços de tecnologia financeira (fintech)

O Pacific Premier Bancorp estabeleceu parcerias com 12 provedores de serviços da Fintech para aprimorar os recursos bancários digitais.

• Plataformas de processamento de pagamento digital
• Soluções de tecnologia de empréstimos online
• Provedores de infraestrutura de segurança cibernética
• Desenvolvedores de software bancário baseados em nuvem

Parcerias com intermediários de empréstimos comerciais e industriais

A partir de 2024, o banco colabora com 45 intermediários de empréstimos comerciais e industriais, gerenciando uma carteira de empréstimos de US $ 6,3 bilhões.

Tipo intermediário de empréstimo	Número de parcerias	Volume total de empréstimos
Parceiros de empréstimos comerciais	28	US $ 4,2 bilhões
Intermediários de empréstimos industriais	17	US $ 2,1 bilhões

Relacionamentos com empresas de investimento e gerenciamento de patrimônio

O Pacific Premier Bancorp mantém relações estratégicas com 23 empresas de gestão de investimentos e patrimônio, gerenciando aproximadamente US $ 1,5 bilhão em ativos combinados.

• Empresas de consultoria de investimento regional
• Especialistas em planejamento da aposentadoria
• Empresas de gestão de patrimônio privado
• Redes de investimentos institucionais

Pacific Premier Bancorp, Inc. (PPBI) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de negócios

No quarto trimestre 2023, o Pacific Premier Bancorp registrou empréstimos comerciais totais de US $ 15,4 bilhões, com foco em:

• Empréstimos de negócios em toda a Califórnia, Washington e Oregon
• Financiamento imobiliário comercial
• Soluções bancárias de negócios pequenas e médias

Categoria de serviço bancário	Valor total do portfólio	Taxa de crescimento anual
Empréstimos imobiliários comerciais	US $ 9,2 bilhões	7.3%
Empréstimos a termos comerciais	US $ 4,6 bilhões	5.9%
Linhas de capital de giro	US $ 1,6 bilhão	4.2%

Aquisição e integração de bancos regionais

Em 2023, o Pacific Premier completou o Aquisição de US $ 516 milhões do Opus Bank, expandindo sua pegada bancária regional.

Gerenciamento de riscos e subscrição de crédito

Métricas de gerenciamento de riscos para 2023:

• Razão de empréstimos não-desempenho: 0,32%
• Reserva de perda de empréstimo: US $ 187 milhões
• Taxa de cobrança líquida: 0,15%

Desenvolvimento da plataforma bancária digital

Investimentos bancários digitais em 2023:

Área de investimento em tecnologia	Gasto
Plataforma bancária móvel	US $ 12,3 milhões
Aprimoramentos de segurança cibernética	US $ 8,7 milhões
Infraestrutura bancária on -line	US $ 5,6 milhões

Origem de empréstimos e gerenciamento de portfólio

Estatísticas de originação de empréstimos para 2023:

• Origenas totais de empréstimo: US $ 3,8 bilhões
• Tamanho médio do empréstimo: US $ 1,2 milhão
• Taxa de aprovação de empréstimo: 68%

Pacific Premier Bancorp, Inc. (PPBI) - Modelo de negócios: Recursos -chave

Forte presença bancária regional na Califórnia e Arizona

A partir do quarto trimestre 2023, o Pacific Premier Bancorp opera 77 agências de serviço completo em toda a Califórnia e Arizona. Total de ativos relatados em US $ 22,1 bilhões, com uma concentração regional de mercado nesses dois estados.

Estado	Número de ramificações	Quota de mercado
Califórnia	62	3.7%
Arizona	15	1.9%

Profissionais de gestão e bancos experientes

Equipe de gerenciamento com experiência bancária média de 24 anos. A liderança inclui:

• Steven R. Gardner, Presidente e CEO (experiência bancária de 30 anos)
• Total de funcionários: 1.247 em 31 de dezembro de 2023
• Posse média dos funcionários: 8,6 anos

Infraestrutura bancária digital avançada

Plataforma bancária digital com os seguintes recursos:

• Aplicativo bancário móvel com 245.000 usuários ativos
• Volume de processamento de transações on -line: US $ 3,2 bilhões mensais
• Taxa de abertura da conta digital: 68% das novas contas

Capital financeiro robusto e ativos

Métrica financeira	Valor (Q4 2023)
Total de ativos	US $ 22,1 bilhões
Índice de capital de camada 1	12.4%
Patrimônio total	US $ 2,6 bilhões
Portfólio de empréstimos	US $ 17,3 bilhões

Sistemas abrangentes de gerenciamento de riscos

A estrutura de gerenciamento de riscos inclui:

• Programa de Gerenciamento de Riscos da Enterprise (ERM)
• Sistemas de monitoramento de risco de crédito
• Rastreamento de conformidade regulatória
• Investimento de infraestrutura de segurança cibernética: US $ 12,4 milhões anualmente

Pacific Premier Bancorp, Inc. (PPBI) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas e profissionais

A partir do quarto trimestre 2023, o Pacific Premier Bancorp oferece serviços bancários especializados com as seguintes métricas financeiras:

Segmento de negócios	Portfólio total de empréstimos	Tamanho médio do empréstimo
Bancos comerciais	US $ 14,3 bilhões	US $ 2,7 milhões
Serviços profissionais	US $ 3,6 bilhões	$850,000

Taxas de empréstimos competitivos e produtos financeiros flexíveis

Taxas de empréstimos e ofertas de produtos da PPBI a partir de 2024:

• Taxas de empréstimos imobiliários comerciais: 6,75% - 8,25%
• Taxas de empréstimos para pequenas empresas: 7,25% - 9,50%
• Linha de crédito de negócios: começando no Prime + 2,5%

Experiências bancárias digitais simplificadas

Métrica bancária digital	2024 Performance
Usuários bancários móveis	127,500
Volume de transações online	3,2 milhões mensais
Taxa de abertura da conta digital	68%

Experiência no mercado local e bancos baseados em relacionamento

Concentração do mercado geográfico:

• Califórnia: 82% da carteira total de empréstimos
• Oregon: 9% da carteira total de empréstimos
• Washington: 6% da carteira total de empréstimos
• Outros mercados: 3%

Atendimento ao cliente responsivo e personalizado

Métrica de atendimento ao cliente	2024 Performance
Classificação de satisfação do cliente	4.6/5
Tempo médio de resposta	2,3 horas
Gerentes de relacionamento dedicados	275

Pacific Premier Bancorp, Inc. (PPBI) - Modelo de Negócios: Relacionamentos do Cliente

Gerentes de relacionamento dedicados para clientes de negócios

Pacific Premier Bancorp fornece Gerentes de relacionamento bancários personalizados Para clientes comerciais e comerciais em vários segmentos de mercado.

Segmento de cliente	Razão de gerente de relacionamento	Tamanho médio do portfólio
Pequenas empresas	1:75 clientes	US $ 12,5 milhões
Mercado intermediário	1:25 clientes	US $ 45,3 milhões
Banco corporativo	1:10 clientes	US $ 98,7 milhões

Serviços de Consultoria Financeira Personalizada

O PPBI oferece serviços de consultoria financeira abrangentes com abordagens de consulta especializadas.

• Consultas de planejamento financeiro de negócios
• Sessões de estratégia de investimento
• Advogado de gerenciamento de riscos
• Orientação de gerenciamento de patrimônio

Plataformas bancárias de autoatendimento digital

Recurso da plataforma digital	Taxa de adoção do usuário	Volume de transação
Mobile Banking	68.3%	2,4 milhões de transações mensais
Bancos online	82.5%	3,1 milhões de transações mensais

Comunicação regular e gerenciamento de contas

O PPBI mantém estratégias proativas de comunicação com análises trimestrais de contas e atualizações financeiras personalizadas.

• Declarações de desempenho trimestrais
• Relatórios mensais de atividade da conta
• Alertas de transações em tempo real
• Insights financeiros personalizados

Abordagem bancária focada na comunidade

Métrica de engajamento da comunidade	Valor anual
Investimentos da comunidade local	US $ 4,2 milhões
Programas de suporte para pequenas empresas	US $ 1,7 milhão
Patrocínio de eventos da comunidade	87 eventos

Pacific Premier Bancorp, Inc. (PPBI) - Modelo de negócios: canais

Plataformas bancárias online e móveis

O Pacific Premier Bancorp oferece serviços bancários digitais por meio de sua plataforma on -line e aplicativos móveis. A partir de 2023, o banco relatou 215.000 usuários ativos de banco digital com uma taxa de engajamento de aplicativos móveis de 92%.

Métricas de plataforma digital	2023 Estatísticas
Total de usuários bancários digitais	215,000
Taxa de engajamento de aplicativos móveis	92%
Volume de transações online	3,7 milhões de transações mensais

Rede de filiais físicas nos principais mercados regionais

O Pacific Premier Bancorp mantém uma presença estratégica do ramo físico na Califórnia e em outros estados ocidentais.

Detalhes da rede de filiais	2023 dados
Ramos físicos totais	79
Concentração geográfica primária	Califórnia (72 filiais)
Tamanho médio da ramificação	8-10 funcionários

Equipe de vendas diretas e gerentes de relacionamento

O banco emprega uma força de vendas dedicada focada nos segmentos bancários comerciais e de negócios.

• Total de Representantes de Vendas: 124
• Gerentes de relacionamento comercial: 87
• Portfólio médio de clientes por gerente: 35-40 contas

Canais de comunicação digital

O Pacific Premier Bancorp utiliza várias plataformas de comunicação digital para o envolvimento do cliente.

Plataforma de comunicação digital	Engajamento mensal
Marketing por e -mail	425.000 destinatários
Seguidores de mídia social	LinkedIn: 18.500
Visitantes mensais do site	92,000

Referências de serviços financeiros de terceiros

O Pacific Premier Bancorp mantém parcerias estratégicas para ofertas de serviços expandidas.

• Parceiros de referência total: 47
• Categorias de parceiros de referência:
  • Empresas de gerenciamento de patrimônio: 19
  • Provedores de seguros: 15
  • Serviços de consultoria de investimento: 13
• Receita anual de referência: US $ 3,2 milhões

Pacific Premier Bancorp, Inc. (PPBI) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre de 2023, o Pacific Premier Bancorp atende a aproximadamente 3.750 clientes comerciais pequenos e médios em toda a Califórnia, Washington e Oregon.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Serviços profissionais	1,125	US $ 1,2 milhão
Negócios de varejo	1,250	$850,000
Empresas de tecnologia	625	US $ 2,1 milhões

Promotores imobiliários comerciais

O banco possui um portfólio dedicado de 425 clientes de incorporador imobiliário comercial com exposição total em empréstimos de US $ 3,2 bilhões em 31 de dezembro de 2023.

• Desenvolvedores habitacionais multifamiliares: 210 clientes
• Desenvolvedores complexos de escritórios: 115 clientes
• Proprietários de propriedades de uso misto: 100 clientes

Empresas de serviços profissionais

O segmento de cliente de serviço profissional representa 22% da carteira total de empréstimos comerciais da PPBI, totalizando aproximadamente US $ 1,7 bilhão em dezembro de 2023.

Categoria de serviço profissional	Contagem de clientes	Valor médio do empréstimo
Escritórios de advocacia	275	US $ 1,5 milhão
Empresas de contabilidade	225	US $ 1,3 milhão
Empresas de consultoria	180	US $ 1,7 milhão

Indivíduos de alta rede

O PPBI atende a 2.100 clientes individuais de alta rede com ativos totais sob gerenciamento de US $ 680 milhões no quarto trimestre 2023.

• Faixa de riqueza: US $ 5 milhões a US $ 50 milhões
• Valor médio do relacionamento do cliente: $ 324.000
• Concentração geográfica: 65% Califórnia, 20% Washington, 15% Oregon

Clientes corporativos locais e regionais

O segmento de clientes corporativos representa 35% do total de receita bancária comercial, com 650 relacionamentos corporativos ativos avaliados em US $ 2,5 bilhões em exposição total aos empréstimos.

Segmento corporativo	Número de clientes	Empréstimos totais
Corporações regionais	350	US $ 1,4 bilhão
Grandes empresas locais	300	US $ 1,1 bilhão

Pacific Premier Bancorp, Inc. (PPBI) - Modelo de negócios: estrutura de custos

Manutenção de infraestrutura digital e de ramificação

A partir do quarto trimestre 2023, o Pacific Premier Bancorp operava 73 agências de serviço completo em toda a Califórnia. Os custos totais de manutenção da infraestrutura da filial foram de US $ 18,3 milhões anualmente.

Categoria de custo de infraestrutura	Despesa anual ($)
Manutenção do ramo físico	12,500,000
Uportação da plataforma digital	5,800,000

Salários e compensação dos funcionários

A compensação total dos funcionários em 2023 foi de US $ 214,6 milhões, representando 41,2% do total de despesas operacionais.

• Salário médio de funcionários: US $ 95.300
• Total de funcionários em tempo integral: 2.245
• Compensação de executivos: US $ 8,7 milhões

Investimentos de tecnologia e plataforma digital

O investimento em tecnologia para 2023 totalizou US $ 22,9 milhões, com foco em plataformas bancárias de segurança cibernética e digital.

Categoria de investimento em tecnologia	Despesa ($)
Infraestrutura de segurança cibernética	9,400,000
Plataforma bancária digital	7,500,000
Atualizações de infraestrutura de TI	6,000,000

Despesas de conformidade regulatória

Os custos de conformidade regulatória para 2023 foram de US $ 16,5 milhões, incluindo despesas legais e de auditoria.

• Equipe de conformidade: 87 funcionários em tempo integral
• Taxas de auditoria externa: US $ 3,2 milhões
• Sistemas de relatórios regulatórios: US $ 2,9 milhões

Custos de marketing e aquisição de clientes

As despesas de marketing para 2023 foram de US $ 12,4 milhões, visando segmentos bancários de negócios e consumidores.

Canal de marketing	Gastos ($)
Marketing digital	4,600,000
Publicidade tradicional	3,900,000
Patrocínio de eventos da comunidade	3,900,000

Pacific Premier Bancorp, Inc. (PPBI) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos comerciais e comerciais

Para o ano fiscal de 2023, relatou o Pacific Premier Bancorp US $ 527,3 milhões na receita total de juros. Juros de empréstimos comerciais e comerciais contribuíram especificamente US $ 342,6 milhões para o fluxo total de receita.

Categoria de empréstimo	Receita de juros	Porcentagem de total
Empréstimos imobiliários comerciais	US $ 248,5 milhões	47.1%
Comercial & Empréstimos industriais	US $ 94,1 milhões	17.8%

Serviços bancários baseados em taxas

Receita de taxa para o Pacific Premier Bancorp em 2023 totalizou US $ 83,4 milhões.

• Encargos de serviço em contas de depósito: US $ 22,7 milhões
• Outras cobranças e taxas de serviço: US $ 16,9 milhões
• Taxas de transação do cartão de crédito: US $ 12,5 milhões

Receita de empréstimos hipotecários

Receitas de empréstimos hipotecários para 2023 alcançados US $ 45,2 milhões.

Categoria de empréstimos hipotecários	Receita
Origenas de hipotecas residenciais	US $ 28,6 milhões
Taxas de manutenção de hipotecas	US $ 16,6 milhões

Taxas de investimento e gerenciamento de patrimônio

Serviços de investimento gerados US $ 37,8 milhões em taxas durante 2023.

• Taxas de consultoria de gestão de patrimônio: US $ 24,3 milhões
• Comissões de produtos de investimento: US $ 13,5 milhões

Cobranças de serviço de gerenciamento de tesouro

Serviços de gerenciamento de tesouro produzidos US $ 29,6 milhões em receita para 2023.

Categoria de Serviço do Tesouro	Receita
Serviços de gerenciamento de caixa	US $ 18,2 milhões
Serviços comerciais	US $ 11,4 milhões

Pacific Premier Bancorp, Inc. (PPBI) - Canvas Business Model: Value Propositions

You're looking at the value proposition set Pacific Premier Bancorp, Inc. offered right up until its acquisition by Columbia Banking System on August 31, 2025. The core value was a relationship-driven, full-service commercial banking platform focused on the Western United States, which was then integrated into a larger regional powerhouse.

Comprehensive commercial banking solutions for businesses

Pacific Premier Bancorp, Inc. provided a full suite of services aimed at small, middle-market, and corporate businesses. This included standard deposit accounts, digital banking tools, and treasury management services. The scale of the operation leading into the merger is telling; as of March 31, 2025, the company reported total assets of $18.09 billion. For the second quarter of 2025, the reported revenue was $145.64 million, showing the transactional volume supporting these business relationships.

Expertise in specialized lending (SBA, Commercial Real Estate, Agribusiness)

A key differentiator was the depth in specialized lending products. You could access commercial business loans, lines of credit, and specific programs like SBA financing, commercial real estate loans, and agribusiness loans. The bank maintained strong asset quality even while navigating rate pressures; for example, nonperforming assets were only 0.16% of total assets at the end of Q4 2024. Management guided for low to mid-single-digit loan growth for the full year 2025, indicating a focus on prudent, quality origination.

Custodial services for self-directed IRAs via Pacific Premier Trust

The trust division, operating as Columbia Private Trust post-merger, offered specialized custody for alternative assets in self-directed IRAs. This service provided flexibility beyond traditional stocks and bonds. As of December 31, 2024, the trust division held approximately $18.16 billion in assets under custody. This division also supported approximately 31,400 client accounts as of that same date, demonstrating a significant footprint in the alternative asset custody space.

Customized banking for Homeowners' Associations and Property Management

Pacific Premier Bank offered nationwide customized banking solutions specifically tailored for Homeowners' Associations (HOAs) and Property Management companies. This niche focus provided specialized deposit and treasury management services to entities with unique cash flow and regulatory needs. The HOA, escrow, and trust businesses were explicitly viewed as additive to the combined entity during the merger discussions, suggesting a recognized, valuable specialization.

Relationship-based service model with local decision-making

The entire business model was founded on relationship banking, serving markets across California, Washington, Oregon, Arizona, and Nevada. This approach emphasized local decision-making, which is critical for timely commercial loan approvals and deep client understanding. The bank's ability to maintain a strong deposit base, with non-interest-bearing deposits comprising approximately one-third of total deposits at year-end 2024, speaks directly to the stability and trust built through these relationships.

Here's a quick look at the scale of the operations and the resulting combined entity following the acquisition:

Metric	Pacific Premier Bancorp (PPBI) - Latest Standalone Data	Combined Entity (Post-Aug 31, 2025)
Total Assets	$17.78 billion (June 2025)	$67.5 billion
Total Loans	Not explicitly stated for Q2 2025	$48.5 billion
Total Deposits	Not explicitly stated for Q2 2025	$55.8 billion
Trust Assets Under Custody	$18.16 billion (Dec 31, 2024)	Data integrated into Columbia Private Trust
Q2 2025 Net Income	$32.1 million	Reported as $204 million operating net income for COLB Q3 2025

The value proposition was supported by operational efficiency, as evidenced by the focus on deposit mix:

• End-period deposit cost fell to 1.72% at Q4-end 2024.
• Average cost of deposits declined to 1.79% in Q4 2024.
• Non-maturity deposits rose to 85.4% of total deposits by Q4 2024.

The tangible book value dilution from the merger was only 1.7%, considerably lower than the 7.6% anticipated at announcement, which speaks to the quality of the assets and operations Pacific Premier Bancorp brought to the table.

Pacific Premier Bancorp, Inc. (PPBI) - Canvas Business Model: Customer Relationships

You're looking at how Pacific Premier Bancorp, Inc. (PPBI) built its franchise value, which was heavily reliant on deep, lasting client connections, a philosophy that underpinned its operations right up until the September 2025 merger with Columbia Banking System, Inc.

Dedicated Relationship Managers for commercial clients

The entire commercial banking approach at Pacific Premier Bank was centered on a relationship-driven model. This meant deploying bankers who worked seamlessly across business lines to support clients, which management noted deepened existing partnerships and drove new business opportunities leading into 2025. While specific numbers for relationship manager headcount aren't public, the emphasis on this model is clear from the long-term stickiness it generated.

Long-term, sticky relationships in the commercial and trust segments

The success of this approach is quantified by the tenure of their client base. Pacific Premier Bank's average client relationship tenure stood at over 13 years as of late 2024, which is a strong indicator of customer retention. This stickiness is also visible in the deposit base, which is a direct result of these deep relationships. For instance, at the end of the fourth quarter of 2024, non-maturity deposits represented 85.4% of total deposits. This focus on core, relationship-based funding continued into 2025, with the cost of deposits actively managed down to an average of 1.60% by the second quarter of 2025. The Pacific Premier Trust division further exemplifies this segment focus, holding over $18 billion of assets under custody and serving close to 30,000 client accounts, specializing in custody for self-directed IRAs holding various asset classes.

Here's a quick look at the deposit quality metrics that reflect relationship strength:

Metric	Date	Value
Average Cost of Deposits	Q4 2024	1.74%
End-Period Deposit Cost	Q4 2024	1.72%
Noninterest-Bearing Deposits (Annualized Growth)	Q1 2025	18%
Noninterest-Bearing Deposits (Cost)	Q1 2025	1.20%
Average Cost of Deposits	Q2 2025	1.60%

High-touch, consultative service model for specialized verticals

Pacific Premier Bank supported its commercial clients with specialized, high-touch services beyond standard lending. This consultative model extended to niche areas, which helped secure those long-term relationships. These specialized verticals included:

• Commercial escrow and 1031 Exchange transactions via the Commerce Escrow division.
• Nationwide customized banking solutions for Homeowners' Associations (HOA) and Property Management companies.
• IRA custodial and maintenance services through the Pacific Premier Trust division.

Self-service digital banking and treasury management tools

To support its business clients, Pacific Premier Bank provided essential operational tools alongside its personal relationship management. The bank offered digital banking capabilities and comprehensive treasury management services to its business clients, entrepreneurs, and nonprofit organizations. Even as the bank focused on high-touch service, the integration with Columbia Banking System, which closed in August 2025, was noted to be adding new capabilities and deepening relationships with both new and existing customers through a collaborative team approach.

Community engagement and local market focus

The bank's operations were primarily conducted throughout the Western Region of the U.S., with 58 depository branches across Arizona, California, Nevada, Oregon, and Washington. This local market focus was tied to a stated core value of Community Commitment. Furthermore, the bank supported entrepreneurs by launching a Business Startup Account to help small business owners achieve their financial goals, showing a commitment to the local business ecosystem.

Finance: draft the pro-forma capital impact analysis from the Columbia merger by next Tuesday.

Pacific Premier Bancorp, Inc. (PPBI) - Canvas Business Model: Channels

The channels through which Pacific Premier Bancorp, Inc. delivered its value proposition included a physical footprint, digital interfaces, and specialized service divisions, even as the entity transitioned following its September 1, 2025, acquisition by Columbia Banking System, Inc..

The physical and digital access points for clients were:

• Network of 58 full-service branch locations across the Western U.S.
• Digital banking platforms (online and mobile) for business and retail use.
• Commercial Escrow and 1031 Exchange services division.
• Direct sales force of commercial and private banking officers.
• Pacific Premier Trust's nationwide custodial platform.

The scale of the specialized divisions provides concrete metrics on channel reach and capacity as of late 2024/early 2025 data:

Channel Component	Metric	Value
Branch Network Reach	Number of Full-Service Locations (Pre-Acquisition)	58
Pacific Premier Trust Custodial Platform	Assets Under Custody (as of 12/31/2024)	Approximately $18 billion
Pacific Premier Trust Custodial Platform	Client Accounts (as of 12/31/2024)	Close to 31,400
Direct Sales Force Context	Total Employees (as of February 2025)	1,478

The direct sales force, comprising commercial and private banking officers, supported the delivery of relationship-based banking products across the bank's markets in California, Washington, Oregon, Arizona, and Nevada [cite: 10, 7 from second search].

The Commercial Escrow and 1031 Exchange services division, known as Commerce Escrow, served as a dedicated channel for real estate investors and related transactions [cite: 2 from first search].

Pacific Premier Trust, which became Columbia Private Trust post-merger, offered a nationwide custodial platform, including the API-driven Custodian Connect™ solution for seamless integration with online investment platforms [cite: 14 from first search].

Pacific Premier Bancorp, Inc. (PPBI) - Canvas Business Model: Customer Segments

You're looking at the customer base of Pacific Premier Bancorp, Inc. right before its September 2025 acquisition by Columbia Banking System. The bank's entire strategy hinged on deep, relationship-driven commercial banking, which means their customer segments weren't just transactional; they were sticky, high-value relationships across the Western U.S. The bank served communities across California, Washington, Arizona, Colorado, and Nevada with over 80 full-service branches as of mid-2025.

Small, middle-market, and corporate businesses formed the core of the lending and deposit franchise. These clients drove the strong deposit base, which, as of the first quarter of 2025, saw non-maturity deposits reach $12.60 billion, making up 85.9% of total deposits. Furthermore, noninterest-bearing deposits grew to represent 33% of total deposits in Q1 2025, showing trust from businesses using the bank for operating cash. The total asset base supporting these clients stood at $17.78 billion USD as of June 2025.

For commercial real estate investors and developers, Pacific Premier Bancorp, Inc. offered specialized lending like construction and land development financing. This segment was significant within the loan book; as of the second quarter of 2025, multifamily loans alone accounted for 44.2% of the total loans held for investment, which amounted to $11.9 billion. The bank also had a stated plan to manage its overall pro forma Commercial Real Estate (CRE) concentration over time.

The bank catered to professionals and entrepreneurs not just through standard business banking but also through specialized trust and custody services. The Pacific Premier Trust division provided IRA custodial services, managing over $18 billion of assets under custody across close to 31,000 client accounts as of early 2025. These accounts included self-directed investors, financial advisors, and capital syndicators, all of whom are professionals or entrepreneurs managing significant wealth.

Non-profit organizations and associations were explicitly listed as a group receiving banking products and services, alongside their specialized focus on the following:

• Nationwide customized banking solutions for Homeowners' Associations (HOA).
• Banking solutions for Property Management companies.
• Commercial escrow services and 1031 Exchange facilitation through the Commerce Escrow division.

Here's a quick look at the scale of the operation supporting these segments just before the merger, showing where the focus was:

Metric	Value (as of mid-2025)	Segment Relevance
Total Assets	$17.78 billion USD	Overall scale supporting all segments
Total Loans Held for Investment	$11.9 billion	Commercial, CRE, and business lending
Multifamily Loans (as % of total loans)	44.2%	Commercial Real Estate Investors/Developers
Non-Maturity Deposits (as % of total deposits)	86.5% (Q2 2025)	Small, Middle-Market, and Corporate Businesses
Assets Under Custody (Trust Division)	Over $18 billion	Professionals, Entrepreneurs, Financial Advisors
HOA/Trust Client Accounts	Over 31,000	HOAs and Property Management companies

The bank's strategy was clearly weighted toward commercial relationships, which is why the fee-generating HOA, escrow, and trust businesses were viewed as additive to the combined entity post-merger. You can see the emphasis on relationship-based lending across commercial business loans, SBA loans, and franchise lending. Finance: draft 13-week cash view by Friday.

Pacific Premier Bancorp, Inc. (PPBI) - Canvas Business Model: Cost Structure

You're looking at the expense side of Pacific Premier Bancorp, Inc. (PPBI) operations as of late 2025, which is heavily influenced by the pending merger with Columbia Banking System, Inc. The cost structure is centered on funding costs, people, and operating overhead.

Interest expense on deposits is a key driver. For the second quarter of 2025, Pacific Premier Bancorp, Inc. managed to get its average cost of deposits down to 1.60%. That's a five basis point reduction from the prior quarter, showing good discipline in managing their funding base, which is largely composed of low-cost non-maturity deposits.

Personnel costs are significant, given the bank's focus on relationship banking. As of the information available, Pacific Premier Bancorp, Inc. had a headcount of 1,325 employees. While the exact 2025 personnel expense dollar amount isn't broken out separately in the latest reports, the overall noninterest expense gives us a view of the operating scale.

Noninterest expense, which covers everything from occupancy to technology and salaries, saw some non-recurring impacts. For the second quarter of 2025, total noninterest expense was $104.4 million. However, if you strip out the merger-related expense of $6.7 million for that quarter, the core noninterest expense was $97.7 million. Looking ahead from the end of 2024, the guidance for the full year 2025 noninterest expense was set in the range of $405 million to $415 million.

Credit quality costs, specifically the Provision for Credit Losses, have been favorable recently. In the first quarter of 2025, Pacific Premier Bancorp, Inc. recorded a provision reversal of $3.7 million, reflecting strong asset quality at that time. The allowance for credit losses ratio was 1.46% of loans held for investment as of March 31, 2025, which management noted was in the top quartile relative to peers.

The overall operational efficiency is measured by the Efficiency Ratio (noninterest expense as a percentage of total revenue). The ratio requested from Q4 2024 was 67.8%. To give you a more current look, the efficiency ratio improved to 65.3% in Q2 2025, when excluding those merger-related costs. It's defintely important to track how the merger integration impacts this metric going forward.

Here's a quick look at the key cost structure metrics we have data for:

Cost Component Metric	Reported Value	Period/Context
Average Cost of Deposits	1.60%	Q2 2025
Allowance for Credit Losses to Loans Ratio	1.46%	Q1 2025
Efficiency Ratio	67.8%	Q4 2024
Noninterest Expense (Total)	$104.4 million	Q2 2025
Noninterest Expense (Excluding Merger Costs)	$97.7 million	Q2 2025
Full Year 2025 Noninterest Expense Guidance	$405M to $415M	Guidance from Q4 2024

The cost structure is also shaped by the bank's specialized business lines, which carry their own operational footprints:

• Personnel base of 1,325 employees.
• Significant noninterest expense components include costs associated with the Pacific Premier Trust division and Commerce Escrow services.
• The merger with Columbia Banking System, Inc. is expected to yield pretax cost savings representing 30% of Pacific Premier Bancorp, Inc.'s noninterest expense base, with 75% phased in during 2026.

Finance: draft 13-week cash view by Friday.

Pacific Premier Bancorp, Inc. (PPBI) - Canvas Business Model: Revenue Streams

You're looking at the revenue generation for Pacific Premier Bancorp, Inc. (PPBI) right before the September 2025 acquisition by Columbia Banking System, Inc. The core of the revenue model, as expected for a bank of this size, is interest income, but the fee-based businesses were strategically important.

The Trailing Twelve Months (TTM) revenue for Pacific Premier Bancorp, Inc. (PPBI) stood at approximately $0.52 Billion USD as of November 2025. This figure reflects performance leading up to the merger close. For context, the annual revenue in 2024 was $0.56 Billion USD.

The primary driver remains the Net Interest Income (NII), which is the difference between interest earned on loans and investments and the interest paid on deposits and borrowings. You can see the quarterly movement here:

Revenue Component	Q1 2025 Amount	Q2 2025 Amount
Net Interest Income (NII)	$123.4 million	$126.8 million
Total Noninterest Income	$21.5 million	$17.6 million

The required Noninterest income of $21.5 million in Q1 2025 is a key data point. This figure is composed of several fee-based services that Pacific Premier Bancorp, Inc. (PPBI) offered. The bank emphasized that its HOA banking, escrow, and trust businesses were additive to the combined entity's fee income potential.

The composition of that fee income shows the importance of specific services, though not all line items are explicitly broken out for every quarter. For instance, the quarterly fluctuation in Noninterest Income highlights the impact of specific fee recognition:

• Net Interest Income (NII) from commercial and real estate loans is the largest component of total revenue, with Q2 2025 NII reaching $126.8 million.
• Noninterest income from trust custodial account fees is a significant, though variable, component. The Q2 2025 Noninterest Income of $17.6 million was down from Q1 2025 largely due to a $1.5 million decrease in trust custodial account income related to annual tax fees recognized in the prior quarter (Q1 2025).
• Service charges and fees from treasury management services are part of the overall fee income strategy, which the bank viewed as complementary to the acquiring bank's existing platform.
• The total Noninterest Income for Q1 2025 was $21.5 million.

To be fair, the Q1 2025 Noninterest Income figure of $21.5 million also included a non-recurring $1.4 million increase in earnings on bank owned life insurance, which you won't see repeat consistently.

Finance: draft pro-forma revenue estimate incorporating Q3 2025 independent results by next Tuesday.