{"schema_version":"secwatch.filing_event.v1","accession":"0000887343-24-000256","form_type":"8-K","ticker":"COLB","cik":"0000887343","company_name":"COLUMBIA BANKING SYSTEM, INC.","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.273705+00:00","generated_at":"2026-05-30T10:48:54.078931+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Columbia Banking Q3 net income $146M, EPS $0.70; announces $70M net cost savings","bullets":["Q3 2024 GAAP net income $146M ($0.70 diluted EPS); operating net income $143M ($0.69).","YTD 2024 GAAP net income $390M ($1.87 EPS); operating net income $418M ($2.00).","Completed cost review; identified $82M gross savings ($70M net). Q4 2024 core expense run rate expected $965M–$985M annualized.","Q3 net charge-offs 0.32% annualized; provision $28.8M. ACL $438M (1.17% of loans) plus $65M credit discount.","Total risk-based capital ratio 12.5%, CET1 10.3% as of Sep 30, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000887343-24-000256","json":"https://secwatch.observer/filing/0000887343-24-000256.json","markdown":"https://secwatch.observer/filing/0000887343-24-000256.md","text":"https://secwatch.observer/filing/0000887343-24-000256.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/887343/000088734324000256/0000887343-24-000256-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/887343/000088734324000256/colb-20241024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:48:54.078931+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}