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Columbia Banking System (COLB) investor relations material
Columbia Banking System Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Completed the acquisition of Pacific Premier Bancorp on August 31, 2025, expanding to an eight-state Western footprint, top-10 deposit market share in Southern California, and $68 billion in assets, with unified branding and enhanced market presence.
Integration of Pacific Premier is progressing on schedule, enhancing scale, product offerings, and profitability, with immediate revenue and operational synergies realized.
Board authorized a $700 million share repurchase program, reflecting strong capital generation and confidence in future performance, effective through November 2026.
Focus remains on operational enhancements, disciplined credit standards, and balance sheet optimization, with organic deposit growth reducing reliance on non-core funding.
CFO transition: Ron Farnsworth stepping down, Ivan Seda appointed as new CFO.
Financial highlights
Q3 2025 reported net income was $96 million, with operating net income of $204 million; reported EPS was $0.40, operating EPS was $0.85.
Net interest income rose to $505 million, up $59 million sequentially, driven by the Pacific Premier acquisition and lower funding costs.
Non-interest income increased to $77 million, up $12 million from Q2 2025, with $5 million net fair value gain on MSR hedging.
Non-interest expense surged to $393 million, up $115 million, mainly due to $87 million in merger and restructuring costs.
Total assets grew to $67.5 billion, loans and leases to $48.5 billion, and deposits to $55.8 billion, all reflecting the Pacific Premier addition.
Tangible book value per share increased to $18.57, up 4% since Q1.
Quarterly dividend of $0.36 per share declared and paid.
Outlook and guidance
Management expects continued strong capital generation and profitability, supporting further capital returns and the full execution of the $700 million buyback over the next 12 months.
Integration of Pacific Premier systems on track for completion in Q1 2026, with cost synergies of $127 million annualized targeted by June 2026.
Net interest margin projected just above 3.90% in Q4 2025, with stable to growing net interest income and margin over the next two quarters.
Expense run rate expected at $330–$340 million per quarter before dropping lower in late 2026 as cost synergies are fully realized.
Allowance for credit losses expected to migrate slowly upward as portfolio remix continues.
Post-integration, what is the expected efficiency ratio?
How will repurchases impact tangible book value?
Deposit cost outlook post-premium amortization?
M&A strategy post-Pac Premier?
How will $8B loan remix impact NII growth?
Expected pace of $700M share repurchase?
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Next Columbia Banking System earnings date
Q4 202522 Jan, 2026
Next Columbia Banking System earnings date
Q4 202522 Jan, 2026
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Frequently asked questions
Columbia Banking System Inc. operates as the holding company for Umpqua Bank, providing personal and business banking products. Services include loans, deposits, payment solutions, and wealth management. The company serves individuals, small businesses, and commercial clients in the western United States. It is headquartered in Tacoma, Washington, and its shares are listed on the NASDAQ.
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