---
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"
generated_at: "2026-05-27T18:00:26.648327+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Columbia Banking Q4 2024 EPS $0.68 ($0.71 operating); full-year $2.55 ($2.71 operating)

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000887343-25-000015
- JSON: https://secwatch.observer/filing/0000887343-25-000015.json
- Plain text: https://secwatch.observer/filing/0000887343-25-000015.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.