---
schema_version: "secwatch.filing_event.v1"
accession: "0000887343-26-000012"
form_type: "8-K"
ticker: "COLB"
cik: "0000887343"
company_name: "COLUMBIA BANKING SYSTEM, INC."
filed_at: "2026-01-22T23:59:59+00:00"
generated_at: "2026-05-16T09:10:45.282042+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000887343-26-000012
- form_type: 8-K
- ticker: COLB
- cik: 0000887343
- company_name: COLUMBIA BANKING SYSTEM, INC.
- filed_at: 2026-01-22T23:59:59+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/887343/000088734326000012/0000887343-26-000012-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/887343/000088734326000012/colb-20260122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000887343-26-000012
- JSON: https://secwatch.observer/filing/0000887343-26-000012.json
- Plain text: https://secwatch.observer/filing/0000887343-26-000012.txt

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