The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 2 points (62 → 64), mostly because the earnings component improved by 11 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Yes. Columbia Bank is an FDIC-insured institution (FDIC certificate #17266). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 39.5% of deposits ($20.6B) are above the $250,000 FDIC insurance limit, close to the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.68%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.13% (benchmark: 10%).

Check how much of your own balance is covered

Columbia Bank lists 349 offices in 273 cities across 8 states. Most locations:

• Portland, OR (12)
• Seattle, WA (8)
• Vancouver, WA (7)
• Tacoma, WA (6)
• Bend, OR (4)
• Eugene, OR (4)
• Spokane, WA (4)
• Bellevue, WA (3)
• Los Angeles, CA (3)
• Phoenix, AZ (3)
• Puyallup, WA (3)
• Redding, CA (3)

All branch addresses and map

Over the last three years, the CFPB forwarded 228 consumer complaints about COLUMBIA BANKING SYSTEM, INC. to the company (76 in the last 12 months). 100.0% received a timely response. That is 4.4 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Columbia Bank reported 7,647 home-loan applications under HMDA (LEI IFQSIUC9AGQV2NE8CN25): 4,843 originated ($1,672,135,000 total), 1,986 denied, and 669 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Columbia Bank

Former names

South Umpqua State Bank; South Umpqua Bank; Umpqua Bank

Type

State-chartered bank

FDIC certificate #

17266

RSSD ID

143662

Primary regulator

FDIC

Holding company

Columbia Banking System Inc

Established

November 9, 1953

Headquarters

445 Se Main St, Roseburg, OR 97470

Website

www.columbiabank.com/

Employees

5,590