{"schema_version":"secwatch.filing_event.v1","accession":"0000887343-24-000024","form_type":"8-K","ticker":"COLB","cik":"0000887343","company_name":"COLUMBIA BANKING SYSTEM, INC.","filed_at":"2024-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:27.156041+00:00","generated_at":"2026-06-06T19:42:17.856937+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Columbia Banking Q4 net income $93.5M, EPS $0.45; NIM contracts to 3.78%","bullets":["GAAP EPS $0.45, operating EPS $0.44; net income $93.5M, down from $135.8M in Q3 2023.","Net interest margin 3.78%, down 13 bps QoQ as deposit costs rose; cost of deposits increased 53 bps to 2.54%.","Non-interest expense included $33M FDIC special assessment ($0.12 per share); efficiency ratio 64.81%.","Loans grew $271M (3% annualized); deposits flat; book value per share rose 8% to $23.95.","Annualized cost synergies from Umpqua merger reached $143M, exceeding $135M target by 6%."],"urls":{"canonical":"https://secwatch.observer/filing/0000887343-24-000024","json":"https://secwatch.observer/filing/0000887343-24-000024.json","markdown":"https://secwatch.observer/filing/0000887343-24-000024.md","text":"https://secwatch.observer/filing/0000887343-24-000024.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/887343/000088734324000024/0000887343-24-000024-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/887343/000088734324000024/colb-20240124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T19:42:17.856937+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"440f5191d0a78a0180d7c8da347ec201cd0f6da5","claim":"COLUMBIA BANKING SYSTEM, INC. reported financial results for fourth quarter and full year 2023.","evidence_excerpt":"Columbia Banking System, Inc. issued a press release announcing fourth quarter and full year 2023 financial results.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/887343/000088734324000024/0000887343-24-000024-index.htm","confidence":0.7,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter and full year 2023"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}