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Dec 31, 2025
Columbia Banking System Q4 2025 Earnings Report
Columbia Banking System reported its financial results for the fourth quarter of 2025, showing strong performance with increased net interest income and net income.
Key Takeaways
Columbia Banking System, Inc. reported a strong fourth quarter for 2025, with net income increasing by 124% to $215 million and diluted EPS rising by 80% to $0.72 compared to the previous quarter. The company's net interest income grew by $122 million, driven by the acquisition of Pacific Premier and favorable funding mix trends. Operating net income also saw a significant increase to $243 million.
Net income for Q4 2025 was $215 million, a 124% increase from Q3 2025.
Diluted EPS for Q4 2025 was $0.72, an 80% increase from Q3 2025.
Net interest income increased by $122 million from the prior quarter, primarily due to the Pacific Premier acquisition and favorable funding mix.
The net interest margin improved to 4.06%, up 22 basis points from the prior quarter.
Forward Guidance
Columbia Banking System anticipates completing systems conversion and branch consolidations in Q1 2026, aiming to realize all related cost savings by June 30, 2026. The company expects continued operational improvement, supported by healthy pipelines and solid capital generation.
Positive Outlook
- Completion of systems conversion and branch consolidations in Q1 2026.
- Realization of all deal-related cost savings by June 30, 2026.
- Healthy pipelines for continued business growth.
- Solid capital generation to support future initiatives.
- Clear path to continued operational improvement.
Challenges Ahead
- Current and future economic and market conditions, including housing and commercial real estate prices, high unemployment rates, and inflation.
- Potential deterioration in the economy leading to increased loan and lease losses.
- Risks related to the Pacific Premier acquisition, including management's attention diversion, unrealized cost savings, and deposit attrition.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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