Columbia State Bank Mortgage Rates, Fees & Info

Tacoma, WA

LEI: 0S8H5NJFLHEVJXVTQ413

Tax ID: 91-0897063

5 stars - out of 5 stars, based on 45 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Columbia State Bank is a smaller bank specializing in Refi and Home Purchase loans. Columbia State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Seattle, Portland, Salem, Spokane, and Bend among others. We have data for 78 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Columbia State Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Columbia State Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.29% 10/3/22
    30 Year Conventional Purchase 6.54% 10/3/22
    30 Year Conventional Refi 6.50% 10/3/22
    30 Year Cash-out Refi 6.62% 10/3/22
    30 Year VA Purchase 6.05% 10/3/22
    30 Year VA Refi 5.93% 10/3/22
    30 Year USDA Purchase 6.29% 10/3/22
    15 Year Conventional Purchase 6.42% 10/3/22
    15 Year Conventional Refi 6.32% 10/3/22
    15 Year Cash-out Refi 6.32% 10/3/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    2,047

    Origination Dollar Volume (All Markets)

    $792,085,000

    Employee count

    2,144 Show all (11) awards

    Relative Rate

    Columbia State Bank's average 30 year fixed mortgage rate was 3.1%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.05%.

    Relative Fees (Closing Costs)

    Columbia State Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $4,583.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 642 $258,730,000 $403,006 $4,529 3.03%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 263 $134,095,000 $509,867 $4,352 3.09%
    Outside of Metro Areas 122 $40,730,000 $333,852 $4,927 3.06%
    SALEM, OR (FHA|USDA|VA) 120 $29,890,000 $249,083 $4,153 3.14%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 48 $26,140,000 $544,583 $3,831 3.03%
    BEND, OR (FHA|USDA|VA) 51 $21,705,000 $425,588 $6,125 3.12%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 67 $20,635,000 $307,985 $4,457 3.09%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 68 $19,920,000 $292,941 $3,822 2.94%
    Outside of Metro Areas 61 $18,555,000 $304,180 $4,358 2.99%
    Sandpoint, ID (FHA|USDA|VA) 53 $17,075,000 $322,170 $4,992 3.09%
    LONGVIEW, WA (FHA|USDA|VA) 30 $16,550,000 $551,667 $3,928 3.09%
    Ontario, OR-ID (FHA|USDA|VA) 27 $13,425,000 $497,222 $4,198 3.04%
    Newport, OR (FHA|USDA|VA) 49 $12,685,000 $258,878 $4,191 3.04%
    Astoria, OR (FHA|USDA|VA) 23 $11,525,000 $501,087 $4,196 3.17%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 35 $11,345,000 $324,143 $4,082 3.07%
    CHICO, CA (FHA|USDA|VA) 1 $10,375,000 $10,375,000 $0 4.00%
    Hermiston-Pendleton, OR (FHA|USDA|VA) 33 $8,495,000 $257,424 $4,781 3.08%
    Coos Bay, OR (FHA|USDA|VA) 2 $8,230,000 $4,115,000 $5,412 3.50%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 27 $7,845,000 $290,556 $4,170 2.97%
    BOISE CITY, ID (FHA|USDA|VA) 24 $6,730,000 $280,417 $5,013 3.08%
    BELLINGHAM, WA (FHA|USDA|VA) 20 $6,590,000 $329,500 $3,572 3.12%
    Pullman, WA (FHA|USDA|VA) 17 $6,565,000 $386,176 $3,518 3.47%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 27 $6,315,000 $233,889 $4,065 3.33%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 12 $5,630,000 $469,167 $5,132 3.15%
    Centralia, WA (FHA|USDA|VA) 19 $5,355,000 $281,842 $3,582 2.96%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $5,105,000 $1,701,667 $13,722 3.88%
    LEWISTON, ID-WA (FHA|USDA|VA) 22 $4,750,000 $215,909 $4,599 3.06%
    YAKIMA, WA (FHA|USDA|VA) 20 $4,750,000 $237,500 $3,540 3.04%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 10 $4,480,000 $448,000 $5,604 3.04%
    Ellensburg, WA (FHA|USDA|VA) 9 $4,175,000 $463,889 $4,145 3.11%
    Moses Lake, WA (FHA|USDA|VA) 9 $3,795,000 $421,667 $3,226 3.39%
    MEDFORD, OR (FHA|USDA|VA) 3 $3,235,000 $1,078,333 $7,245 3.50%
    WENATCHEE, WA (FHA|USDA|VA) 7 $3,085,000 $440,714 $4,191 3.26%
    Hood River, OR (FHA|USDA|VA) 12 $2,740,000 $228,333 $3,630 2.68%
    The Dalles, OR (FHA|USDA|VA) 12 $2,740,000 $228,333 $4,914 3.08%
    CORVALLIS, OR (FHA|USDA|VA) 7 $1,925,000 $275,000 $3,875 3.70%
    Oak Harbor, WA (FHA|USDA|VA) 5 $1,915,000 $383,000 $5,722 2.98%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $1,650,000 $412,500 $5,121 3.12%
    Klamath Falls, OR (FHA|USDA|VA) 5 $1,595,000 $319,000 $4,512 3.00%
    La Grande, OR (FHA|USDA|VA) 2 $1,590,000 $795,000 $8,922 3.73%
    Moscow, ID (FHA|USDA|VA) 7 $1,565,000 $223,571 $4,917 2.84%
    Shelton, WA (FHA|USDA|VA) 7 $1,415,000 $202,143 $3,422 2.73%
    WALLA WALLA, WA (FHA|USDA|VA) 3 $1,265,000 $421,667 $4,088 3.41%
    Othello, WA (FHA|USDA|VA) 11 $1,225,000 $111,364 $4,029 3.00%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $1,195,000 $398,333 $3,696 3.63%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $925,000 $925,000 $0 3.75%
    Roseburg, OR (FHA|USDA|VA) 4 $910,000 $227,500 $3,550 2.72%
    Aberdeen, WA (FHA|USDA|VA) 3 $885,000 $295,000 $5,324 3.41%
    Prineville, OR (FHA|USDA|VA) 3 $875,000 $291,667 $4,035 2.87%
    REDDING, CA (FHA|USDA|VA) 2 $730,000 $365,000 $2,299 3.38%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $640,000 $320,000 $7,012 3.06%
    CASPER, WY (FHA|USDA|VA) 1 $595,000 $595,000 $3,690 3.25%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $545,000 $545,000 $5,418 2.63%
    Helena, MT (FHA|USDA|VA) 1 $485,000 $485,000 $4,322 3.38%
    Port Angeles, WA (FHA|USDA|VA) 2 $450,000 $225,000 $3,137 3.00%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $425,000 $425,000 $3,262 3.50%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $425,000 $425,000 $0 4.10%
    Red Bluff, CA (FHA|USDA|VA) 2 $380,000 $190,000 $5,290 3.63%
    Cedar City, UT (FHA|USDA|VA) 1 $335,000 $335,000 $4,060 3.38%
    VISALIA, CA (FHA|USDA|VA) 1 $325,000 $325,000 $2,498 2.50%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $315,000 $315,000 $3,435 2.63%
    TOLEDO, OH (FHA|USDA|VA) 2 $310,000 $155,000 $4,001 3.38%
    Grand Rapids, MN (FHA|USDA|VA) 1 $305,000 $305,000 $4,077 3.25%
    TUCSON, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $4,902 3.13%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $285,000 $285,000 $6,496 3.38%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $285,000 $285,000 $2,440 3.25%
    MISSOULA, MT (FHA|USDA|VA) 1 $275,000 $275,000 $5,557 3.75%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $265,000 $265,000 $7,398 3.63%
    EL CENTRO, CA (FHA|USDA|VA) 1 $205,000 $205,000 $3,585 3.38%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $205,000 $205,000 $4,111 2.99%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $165,000 $165,000 $3,214 3.25%
    El Dorado, AR (FHA|USDA|VA) 1 $155,000 $155,000 $2,426 2.88%
    Hailey, ID (FHA|USDA|VA) 1 $155,000 $155,000 $2,655 2.75%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $145,000 $145,000 $5,389 2.88%
    STOCKTON, CA (FHA|USDA|VA) 1 $145,000 $145,000 $4,849 3.00%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $135,000 $135,000 $3,396 2.88%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.25%
    TWIN FALLS, ID (FHA|USDA|VA) 1 $65,000 $65,000 $0 2.75%

    Columbia State Bank's top markets include Seattle, Portland, Salem, Spokane, and Bend among others.

    Similar Lenders

    We use machine learning to identify the top lenders compared against Columbia State Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    SPOKANE FIREFIGHTERS CREDIT UNION
    Similarity Rank: 360
    Cashmere Valley Bank
    Similarity Rank: 384
    O BEE
    Similarity Rank: 447
    CASTPARTS EMPLOYEES
    Similarity Rank: 660
    CONNECTIONS
    Similarity Rank: 750
    PIONEER
    Similarity Rank: 999

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,299 $589,455,000 $453,776 $4,389 3.17%
    HELOC 713 $190,245,000 $266,823 n/a 2.92%
    VA 35 $12,385,000 $353,857 $6,041 2.59%

    For 2021, Columbia State Bank's most frequently originated type of loan was Conventional, with 1,299 originations. Their 2nd most popular type was HELOC, with 713 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 593 $271,055,000 $457,091 $4,040 3.05%
    Cash Out Refi 436 $140,980,000 $323,349 $4,378 3.09%
    Home Purchase 433 $248,435,000 $573,753 $5,077 3.23%
    Home Improvement 375 $70,805,000 $188,813 $3,639 2.95%
    Other 210 $60,810,000 $289,571 $4,756 2.99%

    For 2021, Columbia State Bank's most frequently cited loan purpose was Refi, with 593 originations. The 2nd most popular reason was Cash Out Refi, with 436 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 899 $323,645,000 $360,006 $4,583 3.10%
    Other 720 $208,190,000 $289,153 $4,197 2.93%
    15 Year 207 $69,415,000 $335,338 $3,964 2.88%
    10 Year 129 $158,175,000 $1,226,163 $3,018 3.79%
    20 Year 80 $24,100,000 $301,250 $3,641 3.20%
    5 Year 7 $3,775,000 $539,286 $0 3.82%
    30+ year 4 $1,280,000 $320,000 $10,259 4.22%
    3 Year 1 $3,505,000 $3,505,000 $0 2.43%

    For 2021, Columbia State Bank's most frequently cited loan duration was 30 Year, with 899 originations. The 2nd most popular length was Other, with 720 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 871 $281,915,000 $323,668
    $2k-3k 132 $45,830,000 $347,197
    $3k-4k 60 $23,410,000 $390,167
    $5k+ 51 $28,425,000 $557,353
    $4k-5k 34 $13,410,000 $394,412

    Columbia State Bank's average total fees were $4,583, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 871 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,136 $356,850,000 $314,129
    3-4% 639 $345,695,000 $540,994
    <2.5% 153 $42,195,000 $275,784
    4-5% 118 $47,060,000 $398,814
    5-6% 1 $285,000 $285,000

    During 2021, Columbia State Bank's average interest rate for loans was 3.10%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,136 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 764 $217,740,000 $285,000 $4,376 3.07%
    $100k-200k 473 $69,735,000 $147,431 $3,505 2.97%
    $400k-600k 353 $171,085,000 $484,660 $4,878 3.12%
    $100,000 or less 251 $15,445,000 $61,534 $3,241 2.92%
    $600k-1MM 127 $99,235,000 $781,378 $6,737 3.37%
    $1MM+ 79 $218,845,000 $2,770,190 $8,436 3.39%

    2021 saw Columbia State Bank place emphasis on $200k-400k loans with 764 originations, totaling $217,740,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 429 $121,725,000 $283,741 $4,471 2.99%
    $50k-75k 324 $65,700,000 $202,778 $4,050 2.93%
    $250k+ 319 $178,605,000 $559,890 $5,729 3.10%
    $150k-250k 308 $108,650,000 $352,760 $4,730 3.02%
    $75k-100k 264 $64,520,000 $244,394 $4,273 3.01%
    $50k or less 216 $29,150,000 $134,954 $3,579 2.95%

    Columbia State Bank lent most frequently to those with incomes in the $100k-150k range, with 429 originations. The second most popular income band? $50k-75k, with 324 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 418 $123,620,000 $295,742 $4,297 2.96%
    30-36% 315 $88,095,000 $279,667 $4,487 2.97%
    <20% 195 $69,315,000 $355,462 $4,536 2.87%
    44% 121 $32,015,000 $264,587 $4,228 3.03%
    39% 113 $23,875,000 $211,283 $4,549 2.96%
    43% 76 $19,660,000 $258,684 $4,460 3.00%
    37% 74 $20,950,000 $283,108 $3,838 2.93%
    38% 68 $18,820,000 $276,765 $4,747 2.98%
    40% 64 $18,790,000 $293,594 $4,550 2.99%
    49% 63 $24,855,000 $394,524 $4,612 3.02%
    36% 62 $20,320,000 $327,742 $4,098 3.01%
    42% 55 $22,025,000 $400,455 $4,777 3.00%
    41% 51 $16,375,000 $321,078 $5,437 3.15%
    45% 43 $13,425,000 $312,209 $4,550 3.08%
    48% 41 $14,275,000 $348,171 $4,245 3.07%
    47% 32 $9,020,000 $281,875 $3,960 2.99%
    46% 30 $10,630,000 $354,333 $4,343 3.01%
    50-60% 19 $7,335,000 $386,053 $4,636 2.97%
    >60% 9 $6,385,000 $709,444 $16,879 2.74%

    Columbia State Bank lent most frequently to those with DTI ratios of 20-30%, with 418 originations. The next most common DTI ratio? 30-36%, with 315 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,286 $368,570,000 $286,602 $4,430 2.98%
    Not applicable 153 $211,885,000 $1,384,869 $0 3.94%
    Not provided 497 $167,895,000 $337,817 $4,431 3.05%
    Asian 86 $36,670,000 $426,395 $5,008 3.07%
    Black 9 $3,255,000 $361,667 $3,577 3.33%
    American Indian 13 $2,685,000 $206,538 $3,035 2.94%
    Native Hawaiian or Islander 2 $580,000 $290,000 $4,295 2.69%
    Korean 1 $545,000 $545,000 $5,168 2.38%

    Approval Rates

    Total approvals of all applications
    77.83%

    Columbia State Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    83.73%

    Columbia State Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,047 $792,085,000 $386,949

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,047 $792,085,000 $386,949

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 495 $119,725,000 $241,869 $3,771 2.89%
    40-60% 493 $233,825,000 $474,290 $4,233 3.05%
    60-80% 581 $303,195,000 $521,850 $4,860 3.31%
    80-100% 181 $75,985,000 $419,807 $4,910 3.00%
    Over 100% 14 $24,570,000 $1,755,000 $0 4.00%
    Under 20% 283 $34,785,000 $122,915 $3,826 2.94%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    COLUMBIA BANKING SYSTEM, INC. Conventional home mortgage Trouble during payment process 1 50.0%
    COLUMBIA BANKING SYSTEM, INC. Other type of mortgage Trouble during payment process 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Columbia State Bank 1250 Meridian Street East Milton, WA 98354 Full Service B&M $109,386
    Columbia State Bank 1060 Wallace Road Nw Salem, OR 97304 Full Service B&M $63,187
    Columbia State Bank 1100 Olive Way, Suite 102 Seattle, WA 98101 Full Service B&M $271,886
    Columbia State Bank 111 West 7th Avenue Eugene, OR 97401 Full Service B&M $282,564
    Columbia State Bank 111 West Seventh Ave Eugene, OR 97401 Limited, Administrative $0
    Columbia State Bank 1110 112th Avenue Ne, Suite 200 Bellevue, WA 98004 Full Service B&M $645,796
    Columbia State Bank 11102 Evergreen Way Everett, WA 98204 Full Service B&M $40,125
    Columbia State Bank 1122 Duane Street Astoria, OR 97103 Full Service B&M $104,742
    Columbia State Bank 113 Main Avenue West Twin Falls, ID 83301 Full Service B&M $27,871
    Columbia State Bank 1133 N. Evergreen Road Woodburn, OR 97071 Full Service B&M $69,683
    Columbia State Bank 11675 Southwest Pacific Highway Tigard, OR 97223 Full Service B&M $51,044
    Columbia State Bank 1207 Nw Glisan Portland, OR 97209 Full Service B&M $43,181
    Columbia State Bank 1225 Washington Way Longview, WA 98632 Full Service B&M $89,880
    Columbia State Bank 12255 Southwest First Street Beaverton, OR 97005 Full Service B&M $170,112
    Columbia State Bank 19550 Molalla Avenue, Suite 139 Oregon City, OR 97045 Full Service B&M $41,714
    Columbia State Bank 1959 S Union Ave Tacoma, WA 98405 Full Service B&M $165,740
    Columbia State Bank 19925 State Route 410 E Bonney Lake, WA 98391 Full Service B&M $59,672
    Columbia State Bank 200 East Main Street Monmouth, OR 97361 Full Service B&M $50,977
    Columbia State Bank 200 W Neider Ave Coeur D Alene, ID 83815 Limited, Trust Office $0
    Columbia State Bank 200 W. Neider Avenue Coeur D Alene, ID 83814 Full Service B&M $58,166
    Columbia State Bank 201 S. Main Street Colfax, WA 99111 Full Service B&M $90,098
    Columbia State Bank 201 South 84th Street Tacoma, WA 98444 Full Service B&M $58,223
    Columbia State Bank 201 West Main Avenue Ritzville, WA 99169 Full Service B&M $42,229
    Columbia State Bank 20148 10th Avenue Ne, Suite B Poulsbo, WA 98370 Full Service Retail $51,478
    Columbia State Bank 202 West Main Street Goldendale, WA 98620 Full Service B&M $60,758
    Columbia State Bank 2041 Auburn Way North Auburn, WA 98002 Full Service B&M $101,045
    Columbia State Bank 25 Division Avenue Eugene, OR 97404 Full Service B&M $47,160
    Columbia State Bank 255 Coburg Road Eugene, OR 97401 Full Service B&M $49,361
    Columbia State Bank 2650 Cascade Avenue Hood River, OR 97031 Full Service B&M $189,033
    Columbia State Bank 26563 Lindvog Road Ne Kingston, WA 98346 Full Service B&M $33,999
    Columbia State Bank 2690 E. Lincoln Avenue Sunnyside, WA 98944 Full Service B&M $70,345
    Columbia State Bank 2755 Pence Loop Se Salem, OR 97302 Limited, Administrative $0
    Columbia State Bank 2820 Harrison Ave Nw Olympia, WA 98502 Full Service B&M $288,791
    Columbia State Bank 285 West Sixth Street Junction, OR 97448 Full Service B&M $32,310
    Columbia State Bank 290 Nw Chehalis Avenue Chehalis, WA 98532 Full Service B&M $155,649
    Columbia State Bank 29702 Southwest Town Center Loop West Wilsonville, OR 97070 Full Service B&M $69,059
    Columbia State Bank 300 Kootenai Cut Off Road Ponderay, ID 83852 Full Service B&M $43,424
    Columbia State Bank 3006 Judson Street, Suite 101 Gig Harbor, WA 98335 Full Service B&M $64,029
    Columbia State Bank 301 Avenue A Seaside, OR 97138 Full Service B&M $69,279
    Columbia State Bank 404 North West Avenue Arlington, WA 98223 Full Service B&M $23,805
    Columbia State Bank 4101 A Street Auburn, WA 98002 Full Service B&M $65,323
    Columbia State Bank 4110 Pacific Avenue Forest Grove, OR 97116 Full Service B&M $74,306
    Columbia State Bank 414 Church Street Sandpoint, ID 83864 Full Service B&M $200,442
    Columbia State Bank 4157 North Highway 101, Suite 135 Lincoln City, OR 97367 Full Service B&M $58,340
    Columbia State Bank 4220 S. Meridian Puyallup, WA 98373 Full Service B&M $195,331
    Columbia State Bank 425 Northwest Hemlock Waldport, OR 97394 Full Service B&M $52,622
    Columbia State Bank 4260 River Road, North Keizer, OR 97303 Full Service B&M $81,951
    Columbia State Bank 440 E. Main Street Weiser, ID 83672 Full Service B&M $68,940
    Columbia State Bank 4725 Road 68 Pasco, WA 99301 Full Service B&M $50,758
    Columbia State Bank 473 Nw Burnside Rd Gresham, OR 97030 Full Service B&M $43,711
    Columbia State Bank 4805 Sw 77th Avenue Portland, OR 97225 Full Service B&M $29,108
    Columbia State Bank 500 Cherry Heights Road The Dalles, OR 97058 Full Service B&M $36,513
    Columbia State Bank 550 Center Street Ne Salem, OR 97301 Full Service B&M $181,245
    Columbia State Bank 5727 N 21st Street Tacoma, WA 98406 Full Service B&M $121,834
    Columbia State Bank 601 North 1st Street Tacoma, WA 98403 Full Service B&M $61,890
    Columbia State Bank 605 East Main Street Othello, WA 99344 Full Service B&M $64,694
    Columbia State Bank 6202 Mount Tacoma Drive Sw Lakewood, WA 98499 Full Service B&M $188,447
    Columbia State Bank 624 Southwest Fourth Street Madras, OR 97741 Full Service B&M $145,123
    Columbia State Bank 630 Se Marlin Avenue Warrenton, OR 97146 Full Service B&M $39,863
    Columbia State Bank 6552 Highway 2 Priest River, ID 83856 Full Service B&M $50,219
    Columbia State Bank 665 Woodland Square Loop Southeast Lacey, WA 98503 Full Service B&M $126,487
    Columbia State Bank 6750 Main Street Bonners Ferry, ID 83805 Full Service B&M $60,923
    Columbia State Bank 6878 West Hwy 53 Rathdrum, ID 83858 Full Service B&M $40,412
    Columbia State Bank 7111 Sw Nyberg St Tualatin, OR 97062 Full Service B&M $121,192
    Columbia State Bank 715 Laneda Avenue Manzanita, OR 97130 Full Service B&M $51,360
    Columbia State Bank 10 N. 5th Avenue Yakima, WA 98902 Full Service B&M $46,367
    Columbia State Bank 1000 Southwest Broadway, Suite 100 Portland, OR 97205 Full Service B&M $283,824
    Columbia State Bank 101 E. 6th Street Ste 100 Vancouver, WA 98660 Full Service B&M $320,697
    Columbia State Bank 101 S. Portage Ave Mattawa, WA 99349 Full Service B&M $46,688
    Columbia State Bank 10100 Silverdale Way Nw Silverdale, WA 98383 Full Service B&M $72,660
    Columbia State Bank 1011 Harlow Road Ste 101 Springfield, OR 97477 Full Service B&M $150,173
    Columbia State Bank 10321 Canyon Road East Puyallup, WA 98373 Full Service B&M $116,990
    Columbia State Bank 1033 S Hwy 395 Hermiston, OR 97838 Full Service B&M $95,408
    Columbia State Bank 10350 Ne 10th Street Bellevue, WA 98004 Full Service B&M $167,595
    Columbia State Bank 10355 Nw Glencoe Road, Suite 100 North Plains, OR 97133 Full Service B&M $82,080
    Columbia State Bank 160 E. Charles St Mount Angel, OR 97362 Full Service B&M $36,790
    Columbia State Bank 16200 Redmond Way Redmond, WA 98052 Full Service B&M $127,952
    Columbia State Bank 167 Lincoln Avenue Snohomish, WA 98290 Full Service B&M $58,307
    Columbia State Bank 1701 Northeast Third Street Bend, OR 97701 Full Service B&M $32,498
    Columbia State Bank 17208 Meridian E Puyallup, WA 98375 Full Service B&M $102,114
    Columbia State Bank 175 N. 16th Street Payette, ID 83661 Full Service B&M $72,182
    Columbia State Bank 17502 Pacific Avenue Spanaway, WA 98387 Full Service B&M $108,531
    Columbia State Bank 1755 Mount Hood Avenue Suite 120 Woodburn, OR 97071 Full Service B&M $85,607
    Columbia State Bank 1800 Wilco Rd Stayton, OR 97383 Full Service B&M $212,544
    Columbia State Bank 1806 3rd Street Tillamook, OR 97141 Full Service B&M $26,468
    Columbia State Bank 1810 Everett Ave Everett, WA 98201 Full Service B&M $61,255
    Columbia State Bank 190 N. 8th Street Boise, ID 83702 Full Service B&M $5,151
    Columbia State Bank 19500 Highway 2 Monroe, WA 98272 Full Service B&M $40,673
    Columbia State Bank 208 High School Road Ne Bainbridge Island, WA 98110 Full Service B&M $40,791
    Columbia State Bank 2101 Sw Court Place Pendleton, OR 97801 Full Service B&M $65,753
    Columbia State Bank 211 East Holly Street Bellingham, WA 98225 Full Service B&M $66,430
    Columbia State Bank 2200 North 30th Street Tacoma, WA 98403 Full Service B&M $91,670
    Columbia State Bank 2212 Nw 56th St, Suite 102 Seattle, WA 98107 Full Service B&M $14,766
    Columbia State Bank 228 Bravo Terrace Port Orchard, WA 98367 Full Service B&M $48,732
    Columbia State Bank 2307 Olympic Highway North Shelton, WA 98584 Full Service B&M $72,516
    Columbia State Bank 233 Bridge Street Clarkston, WA 99403 Full Service B&M $39,748
    Columbia State Bank 23924 225th Way Se Maple Valley, WA 98038 Full Service B&M $87,727
    Columbia State Bank 2400 West 11th Avenue Eugene, OR 97402 Full Service B&M $64,523
    Columbia State Bank 2401 Mildred St. West Fircrest, WA 98466 Full Service B&M $252,346
    Columbia State Bank 24341 N Hwy 101 Hoodsport, WA 98548 Full Service B&M $29,123
    Columbia State Bank 249 Winslow Way East Bainbridge Island, WA 98110 Full Service B&M $128,847
    Columbia State Bank 302 W. Cameron Avenue Kellogg, ID 83837 Full Service B&M $23,966
    Columbia State Bank 303 Union Avenue Southeast Olympia, WA 98501 Full Service B&M $448,690
    Columbia State Bank 310 Southeast Washington Street Hillsboro, OR 97123 Full Service B&M $104,932
    Columbia State Bank 315 East Main Street Silverton, OR 97381 Full Service B&M $106,692
    Columbia State Bank 316 East Third Street The Dalles, OR 97058 Full Service B&M $152,641
    Columbia State Bank 3235 E Mullan Ave Post Falls, ID 83854 Full Service B&M $24,712
    Columbia State Bank 3305 Commercial Street Se Salem, OR 97302 Full Service B&M $118,198
    Columbia State Bank 333 Sw 7th St Renton, WA 98057 Full Service B&M $44,362
    Columbia State Bank 33515 9th Avenue S. Federal Way, WA 98003 Full Service B&M $79,556
    Columbia State Bank 3500 Portland Rd Newberg, OR 97132 Full Service B&M $104,672
    Columbia State Bank 390 Ne Tohomish St White Salmon, WA 98672 Full Service B&M $66,188
    Columbia State Bank 401 East Main Street Molalla, OR 97038 Full Service B&M $92,889
    Columbia State Bank 401 East Third Street Suite 200 The Dalles, OR 97058 Limited, Administrative $0
    Columbia State Bank 500 W Main Street Walla Walla, WA 99362 Full Service B&M $34,950
    Columbia State Bank 5000 Meadows Road Lake Oswego, OR 97035 Full Service B&M $161,298
    Columbia State Bank 501 Roosevelt Avenue East Enumclaw, WA 98022 Full Service B&M $176,399
    Columbia State Bank 504 West Meeker Street Kent, WA 98032 Full Service B&M $127,392
    Columbia State Bank 505 W Riverside Ave, Ste 100 Spokane, WA 99201 Full Service B&M $75,367
    Columbia State Bank 506 S 10th Avenue Caldwell, ID 83605 Full Service B&M $59,140
    Columbia State Bank 506 Southwest Coast Highway Newport, OR 97365 Full Service B&M $123,454
    Columbia State Bank 5083 Ne 122nd Ave Portland, OR 97230 Full Service B&M $72,817
    Columbia State Bank 510 Lancaster Drive Ne Salem, OR 97301 Full Service B&M $111,650
    Columbia State Bank 521 12th Avenue South Nampa, ID 83651 Full Service B&M $89,322
    Columbia State Bank 5303 Point Fosdick Drive, N.W. Gig Harbor, WA 98335 Full Service B&M $229,975
    Columbia State Bank 541 Northwest Highway 101 Depoe Bay, OR 97341 Full Service B&M $40,245
    Columbia State Bank 717 Ne Grand Ave Portland, OR 97232 Full Service B&M $137,122
    Columbia State Bank 721 Second Avenue Seattle, WA 98104 Full Service B&M $447,565
    Columbia State Bank 723 Haggen Dr, P.O. Box 805 Burlington, WA 98233 Full Service B&M $37,338
    Columbia State Bank 723 Ne Baker Mcminnville, OR 97128 Full Service B&M $124,796
    Columbia State Bank 746 Main Street Gooding, ID 83330 Full Service B&M $23,916
    Columbia State Bank 7500 Ne 117th Ave Vancouver, WA 98662 Full Service B&M $38,855
    Columbia State Bank 782 Goerig Street Woodland, WA 98674 Full Service B&M $90,428
    Columbia State Bank 795 Southeast Bishop Boulevard Pullman, WA 99163 Full Service B&M $40,290
    Columbia State Bank 805 Nw Bond St Bend, OR 97701 Full Service B&M $90,330
    Columbia State Bank 8805 Sw Tualatin-Sherwood Rd Tualatin, OR 97062 Full Service B&M $82,122
    Columbia State Bank 9000 Southeast 82nd Avenue Happy Valley, OR 97086 Full Service B&M $82,584
    Columbia State Bank 98 South Oregon Street Ontario, OR 97914 Full Service B&M $98,289
    Columbia State Bank 12812 N Addison St Spokane, WA 99218 Full Service B&M $28,111
    Columbia State Bank 1301 A St Tacoma, WA 98402 Full Service B&M $1,283,080
    Columbia State Bank 13305 Ne Highway 99, Suite 6 Vancouver, WA 98686 Full Service B&M $65,283
    Columbia State Bank 139 Gage Boulevard Richland, WA 99352 Full Service B&M $51,193
    Columbia State Bank 1450 High Street Eugene, OR 97401 Full Service B&M $114,782
    Columbia State Bank 1455 Se First Avenue Canby, OR 97013 Full Service B&M $147,007
    Columbia State Bank 150 West Ellendale Avenue Dallas, OR 97338 Full Service B&M $53,534
    Columbia State Bank 1501 54th Ave East Fife, WA 98424 Full Service B&M $63,489
    Columbia State Bank 1502 Sw Odem Medo Road Redmond, OR 97756 Full Service B&M $54,589
    Columbia State Bank 15104 Main St E Sumner, WA 98390 Full Service B&M $56,697
    Columbia State Bank 15820 Se Happy Valley Town Center Dr Happy Valley, OR 97086 Full Service B&M $59,838

    For 2021, Columbia State Bank had 149 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $543,152
    Net interest income $536,597
    Total noninterest income $85,718
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $25,549
    Trading account gains and fees $0
    Additional Noninterest Income $60,169
    Pre-tax net operating income $261,049
    Securities gains (or losses, -) $256
    Income before extraordinary items $206,609
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $206,609
    Minority interest net income $0
    Net income $206,609
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $206,406

    Columbia State Bank's gross interest income from loans was $543,152,000.
    Columbia State Bank's net interest income from loans was $536,597,000.
    Columbia State Bank's fee based income from loans was $25,549,000.
    Columbia State Bank's net income from loans was $206,609,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,555
    Provision for credit losses $5,000
    Total noninterest expense $356,266
    Salaries and employee benefits $220,025
    Premises and equipment expense $36,752
    Additional noninterest expense $99,489
    Applicable income taxes $54,696
    Net charge-offs $978
    Cash dividends $108,000

    Columbia State Bank's interest expense for loans was $6,555,000.
    Columbia State Bank's payroll and benefits expense were $220,025,000.
    Columbia State Bank's property, plant and equipment expenses $36,752,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $18,023,395
    Deposits held in domestic offices $18,023,395
    Deposits by Individuals, partnerships, and corporations $16,678,761
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $1,343,532
    Deposits by Commercial banks and other depository institutions in U.S. $1,100
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,833,229
    Demand deposits $2,833,229
    Nontransaction accounts $15,190,165
    Money market deposit accounts (MMDAs) $13,117,022
    Other savings deposits (excluding MMDAs) $1,627,186
    Total time deposits $445,957
    Total time and savings deposits $15,190,165
    Noninterest-bearing deposits $8,867,771
    Interest-bearing deposits $9,155,624
    Retail deposits $17,863,156
    IRAs and Keogh plan accounts $68,792
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $20,934,572
    Cash & Balances due from depository institutions $825,731
    Interest-bearing balances $671,300
    Total securities $8,056,842
    Federal funds sold & reverse repurchase $0
    Net loans and leases $10,496,133
    Loan and leases loss allowance $155,578
    Trading account assets $0
    Bank premises and fixed assets $231,463
    Other real estate owned $381
    Goodwill and other intangibles $853,101
    All other assets $470,921

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $20,934,572
    Total Liabilities $18,345,354
    Total deposits $18,023,395
    Interest-bearing deposits $9,155,624
    Deposits held in domestic offices $18,023,395
    % insured (estimated) $56
    Federal funds purchased and repurchase agreements $86,013
    Trading liabilities $0
    Other borrowed funds $73,734
    Subordinated debt $0
    All other liabilities $162,212

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $10,496,133
    Loan and leases loss allowance $155,578
    Total loans and leases (domestic) $10,651,711
    All real estate loans $6,721,479
    Real estate loans in domestic offices $6,721,479
    Construction and development loans $384,756
    Residential 1-4 family construction $156,901
    Other construction, all land development and other land $227,855
    Loans secured by nonfarm nonresidential properties $4,485,266
    Nonfarm nonresidential secured by owner-occupied properties $2,315,079
    Commercial real estate & other non-farm, non-residential $2,170,187
    Multifamily residential real estate $495,997
    1-4 family residential loans $1,023,682
    Farmland loans $331,778
    Loans held in foreign offices $0
    Farm loans $463,937
    Commercial and industrial loans $2,442,490
    To non-U.S. addressees $19,970
    Loans to individuals $43,027
    Credit card loans $0
    Related Plans $16,274
    Consumer Auto Loans $2,951
    Other loans to individuals $23,802
    All other loans & leases $980,778
    Loans to foreign governments and official institutions $0
    Other loans $410,451
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $128,946
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $10,086
    Non 1-4 family restructured loans & leases $5,524
    Total loans and leases (foreign) $0

    Columbia State Bank had $10,496,133,000 of loans outstanding in 2021. $6,721,479,000 of loans were in real estate loans. $384,756,000 of loans were in development loans. $495,997,000 of loans were in multifamily mortgage loans. $1,023,682,000 of loans were in 1-4 family mortgage loans. $463,937,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,951,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 2,615 $963,033 $368,273
    Nonfarm, nonresidential loans - <$100k 82 $3,401 $41,476
    Nonfarm, nonresidential loans - $100-250k 519 $68,417 $131,825
    Nonfarm, nonresidential loans - $250k-1MM 2,014 $891,215 $442,510
    Commercial & Industrial, US addressed loans - <$1MM 5,781 $726,952 $125,748
    Commercial & Industrial, US addressed loans - <$100k 2,797 $46,302 $16,554
    Commercial & Industrial, US addressed loans - $100-250k 1,002 $82,010 $81,846
    Commercial & Industrial, US addressed loans - $250k-1MM 1,982 $598,640 $302,038
    Farmland loans - <$1MM 181 $34,554 $190,906
    Farmland loans - <$100k 14 $611 $43,643
    Farmland loans - $100-250k 63 $8,009 $127,127
    Farmland loans - $250k-1MM 104 $25,934 $249,365
    Agriculture operations loans - <$1MM 729 $58,805 $80,665
    Agriculture operations loans - <$100k 319 $7,524 $23,586
    Agriculture operations loans - $100-250k 195 $14,760 $75,692
    Agriculture operations loans - $250k-1MM 215 $36,521 $169,865