Columbia Banking Q4 net income $215M; operating EPS $0.82; NIM expands to 4.06%

COLUMBIA BANKING SYSTEM, INC.

2025-FY EPS reported $2.30 revenue$177,000,000

Diluted EPS $0.72; operating EPS $0.82; net interest income $627M up $122M QoQ.
Net interest margin 4.06% (+22 bps QoQ) driven by lower funding costs and full-quarter Pacific Premier contribution.
Repurchased $100M of common stock (3.7M shares at avg $27.07); dividend raised to $0.37/share.
Clint Stein appointed Chair effective Jan 22; Ivan Seda became CFO on Dec 31, 2025.
Provision for credit losses $23M; net charge-offs 0.25% annualized vs 0.22% prior quarter.

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