{"schema_version":"secwatch.filing_event.v1","accession":"0000887343-25-000015","form_type":"8-K","ticker":"COLB","cik":"0000887343","company_name":"COLUMBIA BANKING SYSTEM, INC.","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.690605+00:00","generated_at":"2026-05-27T18:00:26.648327+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 Q4 2024 EPS $0.68 ($0.71 operating); full-year $2.55 ($2.71 operating)","bullets":["Q4 2024 net income $143M ($0.68 diluted); operating net income $150M ($0.71 diluted).","Full-year 2024 net income $534M ($2.55 diluted); operating net income $568M ($2.71 diluted).","Pre-provision net revenue (PPNR): Q4 $221M reported, $229M operating; FY $825M reported, $871M operating.","Total risk-based capital ratio 12.6% (est.), CET1 10.5%; achieved $82M annualized cost savings.","Credit quality: NPA/assets 0.27%, net charge-offs 0.33% annualized; ACL/total loans 1.17% plus $60M credit discount."],"urls":{"canonical":"https://secwatch.observer/filing/0000887343-25-000015","json":"https://secwatch.observer/filing/0000887343-25-000015.json","markdown":"https://secwatch.observer/filing/0000887343-25-000015.md","text":"https://secwatch.observer/filing/0000887343-25-000015.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/887343/000088734325000015/0000887343-25-000015-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/887343/000088734325000015/colb-20250123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T18:00:26.648327+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"}