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Jun 30, 2025
Columbia Banking System Q2 2025 Earnings Report
Columbia Banking System delivered strong Q2 2025 results with higher earnings, improved efficiency, and solid net interest margin.
Key Takeaways
Columbia Banking System reported $152.4 million in net income and $0.73 EPS for Q2 2025, supported by strong loan repricing, disciplined expense management, and a 3.75% net interest margin. Efficiency improved to 54.3% as the bank prepared for its upcoming Pacific Premier acquisition.
Net income reached $152.4 million with EPS of $0.73
Net interest margin improved to 3.75%
Efficiency ratio improved to 54.3% from 69.1% in Q1
Return on average tangible common equity rose to 16.0%
Forward Guidance
Columbia Banking System expects continued loan growth and stable margins, while focusing on integration of the Pacific Premier acquisition.
Positive Outlook
- Loan repricing and securities yield recovery driving NIM
- Expense discipline supporting efficiency improvements
- Successful retail and SBA campaigns added $450M in deposits
- Strong capital ratios with CET1 at 10.8%
- Pacific Premier acquisition expected to close by Q3 2025
Challenges Ahead
- Seasonal deposit outflows affected overall deposit growth
- Higher provision for credit losses at $29M
- Continued contraction in multifamily loans
- Regulatory approvals pending for Pacific Premier acquisition
- Higher competition in commercial lending markets
Historical Earnings Impact
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Avg. Return Before/After Earnings
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