# Columbia Banking System: AI strategy

Source: https://www.bankingnewsai.com/banks/columbia
Last updated: Oct 25, 2026

*The West Coast's serial acquirer has finished its conversions and stopped buying — its AI record is operational (AI in the Pacific Premier conversion, developer tools and a support assistant now answering most chats), alongside a breach disclosed 119 days late and a promise of no more deals.*

## How is Columbia using AI?

Columbia Banking System is the $66 billion Tacoma-based parent of Columbia Bank, formed by the 2023 combination with Umpqua and enlarged by the $2 billion acquisition of Irvine's Pacific Premier, announced in April 2025, closed on 31 August 2025 and converted in the first quarter of 2026 along with nine branch consolidations, with all related cost savings expected by mid-2026. CEO Clint Stein, who conceded the Umpqua integration 'took longer and came with more challenges than expected', said in October 2025 that Columbia would make no further acquisitions in the foreseeable future and would instead buy back up to $700 million of stock, a response in part to an activist campaign. On AI the bank has disclosed no budget or dedicated AI executive, but Stein put its AI footprint at 83 platforms and solutions in July 2025, and it has described specific uses: on the first-quarter 2026 call the CEO said AI automated the validation of thousands of data fields during the Pacific Premier conversion, helps developers move faster and write more secure software, and runs a customer-support assistant that shifted interactions from two to one in favour of human calls to three to one in favour of AI agents; its investor decks have cited AI-powered 'Smart Leads' predictive analytics since mid-2025, and its 2025 10-K carries an AI risk factor. Its other public AI voice is the 2026 Business Barometer, which asked nearly 1,200 small and midsize businesses about AI impacts alongside growth, tariffs and fraud, finding a record share prioritising investment over cost-cutting while three in five delay major decisions. The most consequential technology event of 2026 was defensive: an intruder was inside Columbia Bank's systems from early October to late December 2025, the bank discovered it on 19 December and cut access three days later, but notified 7,067 affected customers only from 17 April 2026, 119 days later and nearly four times Washington's 30-day limit, prompting a class action. For a bank that has spent three years converting systems, the next chapter is running one platform rather than building another.

## At a glance

| Field | Value |
| --- | --- |
| Lead bank | Columbia Bank |
| Ticker | COLB |
| Headquarters | Tacoma, WA |
| Consolidated assets | $65,368 million |
| Federal Reserve rank | 42 |
| Charter | Oregon state nonmember bank (FDIC) |

## What AI partnerships and patents does Columbia Bank have?

Columbia's public AI vendor record is Cisco (Webex Contact Center and Cisco AI Assistant), Glia and the ServiceNow AI Control Tower for AI governance, plus an API marketplace inherited from Pacific Premier and in-house fraud models layered on unnamed vendor tools. No AI lab, cloud or GPU provider is named. No granted patent or published application assigned to Columbia Banking System, Columbia Bank, Umpqua or Pacific Premier appeared in a Google Patents assignee search run for this profile on 14 October 2026. ([Columbia Banking System](https://www.columbiabank.com/globalassets/media/documents/esg/columbia-banking-system-corporate-citizenship-report-2025.pdf), [Webex Blog (Cisco)](https://blog.webex.com/customer-experience/how-ai-enhanced-customer-experience-at-umpqua-bank/), [Glia](https://www.glia.com/case-study/columbia-bank), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-columbia-banking-q4-2025-beats-expectations-93CH-4461705), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099))

| Item | What it is | Status | Date | Sources |
| --- | --- | --- | --- | --- |
| Cisco Webex Contact Center and Cisco AI Assistant | Cloud contact-centre platform migrated in five months; AI Assistant used by agents for dropped-call summaries and topic analytics | In production | 2025-04-11 | [Webex Blog (Cisco)](https://blog.webex.com/customer-experience/how-ai-enhanced-customer-experience-at-umpqua-bank/) |
| ServiceNow AI Control Tower | Platform that centralises oversight of AI assets, models and prompts, aligned to the NIST AI Risk Management Framework; run alongside the Responsible AI Working Group | In production | 2026-09-19 | [Columbia Banking System](https://www.columbiabank.com/globalassets/media/documents/esg/columbia-banking-system-corporate-citizenship-report-2025.pdf) |
| Glia | Chat, on-screen voice and co-browsing behind the Go-To digital service; Glia Banker for after-hours support (vendor-reported results) | In production | 2026-09-24 | [Glia](https://www.glia.com/case-study/columbia-bank) |
| Columbia Bank API marketplace | Pacific Premier's API connectivity platform, renamed and implemented across the combined company | In production | 2026-01-22 | [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-columbia-banking-q4-2025-beats-expectations-93CH-4461705), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000165/colb2026q2earningspresen.htm) |
| In-house fraud models | Self-developed AI models layered on third-party fraud tools | In production | 2026-09-15 | [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099) |
| Unnamed MOVEit service provider | Technology vendor whose file-transfer software exposed data of about 429,000 customers in 2023; litigation pending as MDL 3083 | Litigation pending | 2026-08-04 | [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000170/colb-20260630.htm) |

## Flagship platform: Integration-built infrastructure, not a disclosed AI platform

Columbia's technology record is defined by two mergers: Umpqua in 2023, which took longer than expected, and Pacific Premier, a $2 billion deal announced in April 2025, closed on 31 August 2025 and converted in the first quarter of 2026 with nine branch consolidations, which the CEO promised would 'avoid the snags of the last one'. The bank has published no AI platform or budget, but Stein told the second-quarter 2025 call that 83 platforms and solutions use some form of AI, run by one group with another handling fintech partnerships, and on the first-quarter 2026 earnings call he said AI automated the review and validation of thousands of data fields during the Pacific Premier conversion, lets developers test changes faster and write more secure software, and powers a customer-support assistant that moved the mix from two human calls per AI chat to three AI chats per human call; investor decks since mid-2025 list AI-powered 'Smart Leads' predictive analytics, automated code generation and AI virtual assistants in the contact centre. Its 2026 Business Barometer surveys nearly 1,200 small and midsize businesses on AI impacts among other themes, and CEO Clint Stein has said the company will not pursue another acquisition 'in the foreseeable future', redirecting capital to a $700 million buyback. ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript))

## Key points

- Integration done: Pacific Premier ($2 billion) closed 31 August 2025, systems converted and nine branches consolidated in Q1 2026, all cost savings expected by 30 June 2026.
- No more deals: the CEO ruled out acquisitions 'in the foreseeable future' in October 2025 and announced a $700 million buyback amid activist pressure.
- Breach and disclosure: an intrusion from early October to late December 2025 affecting 7,067 people, disclosed 119 days after discovery, against a 30-day state limit; a class action followed.
- AI as a client survey: the 2026 Business Barometer covers AI impacts, tariffs and fraud for nearly 1,200 businesses; 63% will prioritise investment over cost-cutting.
- No disclosed AI budget or dedicated AI executive; loan origination volume rose 38% year on year in Q1 2026 with Pacific Premier bankers on board.
- AI at work (Q1 2026 call): conversion data validation automated, developers testing faster, and a support assistant that moved the human-call-to-AI-chat mix from 2:1 to 1:3; decks cite AI 'Smart Leads' and automated code generation.
- Barclays conference (15 September 2026): about three AI applications in the call centre, seven AI-agent replies per human reply to client messages, 30% more customers absorbed with flat call-centre staff, and in-house AI fraud models layered on vendor tools.
- The 2025 10-K adds an AI risk factor: evolving AI law, generative-AI output that may be incorrect, leak data or reflect bias, opaque models, third-party models, and AI-enabled fraud and cyberattacks.
- AI footprint: 83 platforms and solutions use some form of AI, 'basic to powerful', Stein said on 24 July 2025; one group runs current AI solutions and another handles fintech partnerships and longer-term opportunities.
- Named technology leaders: CIO Tom Rice (from Pacific Premier, joined 2 September 2025), chief administrative officer Drew Anderson (a former chief data officer, who fronted AI at Barclays), chief strategy and innovation officer Aaron Deer. No chief AI officer appears in filings.
- Vendors: Cisco Webex Contact Center with Cisco AI Assistant (used for agents first), Glia for digital service, and in-house fraud models layered on unnamed vendor tools. No AI lab, cloud or GPU provider is named.
- Integration economics: $102 million of a $127 million cost-savings target was captured by 31 March 2026 and the final result beat the target by $5 million at 30 June; the conversion ran in January 2026 with nine branch consolidations.
- Vendor-risk history: a 2023 MOVEit incident at a technology service provider exposed data of about 429,000 customers; the 4 August 2026 10-Q still reports the class actions (MDL 3083).
- Disclosure pattern: the same four AI bullets appear in every investor deck from Q3 2025 to Q2 2026; the Q2 2026 10-Q mentions AI only among competitive technologies. No patents assigned to Columbia, Umpqua or Pacific Premier were found.
- Leadership: Clint Stein (CEO), Chris Merrywell (chief operating officer; president, Columbia Bank), Tory Nixon (president of commercial banking, on the Business Barometer), Drew Anderson (chief administrative officer, formerly chief data officer).

## Timeline

- Sep 15, 2026 — **Barclays conference: AI answers most client messages** Chief administrative officer Drew Anderson says about three AI applications serve call-centre agents and customers, client messages now get seven AI-agent responses for every human one, 30% more customers arrived with Pacific Premier while call-centre staff stayed flat, and in-house AI models layered on vendor fraud tools catch fraud those tools missed; commercial lending is next, 'not to decide the credit yes or no'. ([Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099))
- Aug 4, 2026 — **Second-quarter 10-Q names AI as a competitive technology and reports the MOVEit litigation** The forward-looking-statements list cites emerging technologies including stablecoins, tokenized deposits, blockchain, AI and quantum computing. The filing also reports class actions over the 2023 MOVEit incident at a technology service provider, which exposed data of about 429,000 customers, consolidated as MDL 3083. ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000170/colb-20260630.htm))
- Jul 23, 2026 — **Second-quarter 2026 results** Reported by the company. The deck says all Pacific Premier organisational changes and cost synergies were essentially complete at 30 June; the CFO said final savings beat the target by $5 million and deal costs came in materially under the estimate. The AI bullets in the deck are unchanged. ([PR Newswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607231601PR_NEWS_USPRX____SF10745-1), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000165/colb2026q2earningspresen.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-columbia-banking-tops-q2-eps-forecast-shares-slip-93CH-4810216))
- Jul 6, 2026 — **Regional mid-year surveys on AI** Columbia published regional cuts of its Business Barometer for the Bay Area, Los Angeles, Colorado and Arizona; in the Bay Area 62% ranked AI a top-three initiative, 99% expected productivity gains and 3% expected headcount cuts. ([San Francisco Business Times (bizjournals)](https://bizjournals.com/sanfrancisco/news/2026/07/06/mid-year-survey-bay-area-businesses-ai-growth.html))
- Jun 25, 2026 — **2026 Business Barometer** Nearly 1,200 businesses (1,186 respondents, fielded 28 April to 7 May) on growth, AI impacts, tariffs and fraud; AI is the top investment priority, 96% expect productivity gains from it over 12 months and one in 10 see it as a threat to their viability. ([PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1), [PR Newswire](https://www.prnewswire.com/news-releases/2026-columbia-bank-business-barometer-us-small-and-midsize-businesses-poised-for-growth-waiting-to-make-significant-moves-302810706.html), [Bizwomen (bizjournals)](https://bizjournals.com/sacramento/bizwomen/news/latest-news/2026/09/women-business-owners-invest-for-growth.html))
- Apr 23, 2026 — **CEO on AI in the conversion, in coding and in customer support** AI automated the review and validation of thousands of data fields in the Pacific Premier conversion; developers test changes faster; an AI assistant moved support from two human calls per AI chat to three AI chats per human call. ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-banking-system-q1-earnings-223611466.html))
- Apr 23, 2026 — **First-quarter 2026 results** Loan originations up 38% year on year; total assets $66.0 billion. ([PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1))
- Apr 17, 2026 — **Breach notices begin, 119 days after discovery** 7,067 people affected; a class action alleges negligence and consumer-protection violations. ([American Banker](https://www.americanbanker.com/news/how-columbia-bank-kept-a-breach-quiet-for-119-days))
- Mar 31, 2026 — **Proxy names no AI or data executive; technology oversight sits with two committees** The executive-officer list has a chief administrative officer, chief risk officer and chief strategy and innovation officer but no chief AI, data or technology officer. The board Technology Committee is chaired by John Schultz of Hewlett Packard Enterprise; cyber risk goes to the Enterprise Risk Management Committee, briefed by the CISO, CIO and Chief Privacy and Information Risk Officer. ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000088/colb-20251231.htm))
- Mar 31, 2026 — **Systems conversion and branch consolidations complete** The conversion ran in January 2026 and nine branches were consolidated in the first quarter; $102 million of the $127 million cost-savings target was in hand at 31 March, with the rest due by 30 June. ([PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html))
- Mar 11, 2026 — **RBC conference: technology to remove friction** Stein told the RBC Capital Markets conference that Drew Anderson, the chief administrative officer, was using technology to remove friction from the employee and customer experience, and that Pacific Premier integration was nearing completion. ([Investing.com](https://investing.com/news/transcripts/columbia-banking-at-2026-rbc-conference-strategic-growth-and-challenges-93CH-4555905))
- Feb 26, 2026 — **2025 10-K adds an AI risk factor** Columbia says it or its third- and fourth-party vendors may build AI into processes and products, and flags evolving AI law, incorrect or biased generative-AI output, opaque models, reliance on third-party models, and AI-enabled fraud and cyberattacks. ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000088/colb-20251231.htm))
- Jan 22, 2026 — **Pacific Premier API marketplace now runs across Columbia** On the fourth-quarter 2025 call Stein said Pacific Premier's API marketplace, renamed the Columbia Bank API marketplace, was fully implemented and in use across the combined company. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-columbia-banking-q4-2025-beats-expectations-93CH-4461705))
- Dec 19, 2025 — **Intrusion discovered** An attacker inside 'certain Columbia Bank applications' since early October; access cut on 22 December. ([American Banker](https://www.americanbanker.com/news/how-columbia-bank-kept-a-breach-quiet-for-119-days))
- Oct 30, 2025 — **Deck adds AI code generation and contact-centre assistants** The third-quarter 2025 deck lists automated code generation, debugging and documentation, and 'AI-powered virtual assistants to augment human agents' in the contact centre. ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm))
- Oct 30, 2025 — **No more acquisitions; $700 million buyback** The CEO ends West Coast consolidation talk as an activist presses. ([American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat))
- Sep 2, 2025 — **Pacific Premier closing names a chief information officer** Tom Rice joined Columbia Bank's executive team as chief information officer, the role he held at Pacific Premier Bank; assets were about $70 billion at close and systems integration was set for the first quarter of 2026. ([PR Newswire](https://prnewswire.com/news-releases/columbia-banking-system-completes-acquisition-of-pacific-premier-bancorp-and-unifies-columbia-brand-302542727.html))
- Aug 31, 2025 — **Pacific Premier closes** Per the first-quarter 2026 results. ([PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1))
- Jul 24, 2025 — **Second-quarter 2025 call: 83 AI platforms and solutions** CEO Clint Stein said Columbia has 83 platforms and solutions using a form of AI, from basic to powerful, with one group running current solutions and another on fintech partnerships and longer-term opportunities; a predictive-analytics next-best-offer programme had about a 50% closure rate. ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript))
- Jul 24, 2025 — **AI-powered 'Smart Leads' in the investor deck** The second-quarter 2025 deck says Smart Leads support relationship banking and fee income through predictive analytics, and that virtual assistants are being developed to support contact-centre agents. ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000221/colbq22025earningspresen.htm))
- Jun 17, 2025 — **2025 Business Barometer: generative AI** 85% of middle-market and 50% of small businesses surveyed planned further generative-AI investment; AI was the top middle-market investment priority for a second year. ([PR Newswire](https://prnewswire.com/news-releases/umpqua-bank-2025-business-barometer-us-businesses-report-steady-outlook-amid-tariff-economic-uncertainty-302483157.html))
- Apr 28, 2025 — **'A very different deal'** The CEO on why this integration will avoid the Umpqua merger's snags. ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one))
- Apr 23, 2025 — **Pacific Premier acquisition announced** A $2.0 billion all-stock deal ($20.83 per Pacific Premier share at Columbia's 22 April close) for Southern California scale; Pacific Premier holders to own about 30% of Columbia. Trade press reported it on 24 April. ([PR Newswire](https://prnewswire.com/news-releases/columbia-banking-system-to-acquire-pacific-premier-bancorp-expanding-the-premier-business-bank-in-the-west-302436402.html), [Banking Dive](https://www.bankingdive.com/news/columbia-acquire-pacific-premier-southern-california-umpqua-2-billion/746223/))
- Apr 11, 2025 — **Webex profile: Cisco AI Assistant in the contact centre** Columbia moved about 450 contact-centre agents to Webex Contact Center in five months and chose to use Cisco AI Assistant internally, for dropped-call summaries and topic analytics, before any customer-facing AI; the telephony manager said governance work took three to four months before AI features could be discussed. ([Webex Blog (Cisco)](https://blog.webex.com/customer-experience/how-ai-enhanced-customer-experience-at-umpqua-bank/))
- Jun 13, 2024 — **Umpqua Bank 2024 Business Barometer: generative AI** The bank's survey of middle-market firms found 42% implementing generative AI across the organisation and AI the first-ranked investment priority at 56%; the Umpqua Bank commercial head said firms were investing in AI, automation and tools to safeguard operations. ([PR Newswire](https://www.prnewswire.com/news-releases/umpqua-bank-2024-business-barometer-us-middle-market-optimism-surges-while-small-businesses-proceed-cautiously-302171352.html))

## Where AI runs

| Use case | What | Status | Detail | Sources |
| --- | --- | --- | --- | --- |
| [AI governance (general)](https://www.bankingnewsai.com/ai-regulation/by-use-case#governance-general) | Post-merger systems conversion | In production | Pacific Premier converted in Q1 2026 after the Umpqua integration. | [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1) |
| [Cybersecurity](https://www.bankingnewsai.com/ai-regulation/by-use-case#cybersecurity) | Intrusion response and breach notification | In production | Attacker removed within three days of discovery; notification 119 days later. | [American Banker](https://www.americanbanker.com/news/how-columbia-bank-kept-a-breach-quiet-for-119-days) |
| [Customer-facing chatbots](https://www.bankingnewsai.com/ai-regulation/by-use-case#customer-chatbots) | AI-powered customer-support assistant | In production | Handles routine administrative questions; the ratio moved from two human calls per AI chat to three AI chats per human call. | [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-banking-system-q1-earnings-223611466.html) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | AI-automated data validation in the core conversion | In production | Reviewing and validating thousands of data fields in the Pacific Premier conversion, in place of manual checks and custom coding. | [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html) |
| [AI-generated code & coding agents](https://www.bankingnewsai.com/ai-regulation/by-use-case#ai-generated-code) | AI for developers | In production | Automation of code generation, debugging and documentation; the CEO says developers test changes faster and write more secure software. | [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | AI-powered 'Smart Leads' | In production | Predictive analytics that surface relationship-banking and fee-income opportunities for bankers. | [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000221/colbq22025earningspresen.htm) |
| [Model risk management](https://www.bankingnewsai.com/ai-regulation/by-use-case#model-risk) | AI risk-factor disclosure | In production | The 10-K covers third- and fourth-party AI, evolving AI regulation, incorrect, leaky or biased generative-AI output, limited model transparency and AI-enabled fraud. | [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000088/colb-20251231.htm) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | AI impacts survey for business clients | In production | Business Barometer research rather than a disclosed internal deployment. | [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1) |
| [Fraud detection](https://www.bankingnewsai.com/ai-regulation/by-use-case#fraud) | In-house AI models on top of vendor fraud tools | In production | Self-developed models layered on third-party fraud tools now catch fraud that would have bypassed them, the chief administrative officer said in September 2026. | [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099) |
| [Customer-facing chatbots](https://www.bankingnewsai.com/ai-regulation/by-use-case#customer-chatbots) | Glia digital service ('Go-To') | In production | Glia's platform (chat, on-screen voice and co-browsing) powers the Go-To digital service Umpqua Bank built and used to absorb higher volumes after the Columbia merger; Glia Banker provides after-hours consumer support, and an AI agent for operator assistance is named as next. Glia reports a 90% cut in average wait time and 24% in handle time (the vendor's figures; undated case study). | [Glia](https://www.glia.com/case-study/columbia-bank) |
| [Customer-facing chatbots](https://www.bankingnewsai.com/ai-regulation/by-use-case#customer-chatbots) | Cisco AI Assistant for Webex Contact Center | In production | Agent-facing first: dropped-call summaries so customers do not repeat themselves, and topic analytics that found about 20% of general questions were about loans and needed transfer; natural-language IVR routing and conversational AI agents were named as next. | [Webex Blog (Cisco)](https://blog.webex.com/customer-experience/how-ai-enhanced-customer-experience-at-umpqua-bank/) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | 83 platforms and solutions using some form of AI | In production | Stein's July 2025 count, from basic to powerful, split between a group running current solutions and one on fintech partnerships; a predictive-analytics next-best-offer programme closed about 50% of offers. | [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript) |
| [Credit scoring & underwriting](https://www.bankingnewsai.com/ai-regulation/by-use-case#credit-underwriting) | AI in the commercial lending process | Announced | Work expected over the next couple of quarters to speed analytics, reporting and decision-making in commercial lending, 'not to decide the credit yes or no'. | [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099) |
| [Third-party & vendor AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#third-party-vendors) | Third-party service-provider oversight | In production | Risk-based vendor oversight is among the listed cyber controls; the 2023 MOVEit incident at a technology service provider exposed names and tax or social security numbers of about 429,000 customers and is in MDL 3083; the 10-K flags AI from third- and fourth-party vendors. | [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000170/colb-20260630.htm), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000088/colb-20251231.htm) |
| [AI governance (general)](https://www.bankingnewsai.com/ai-regulation/by-use-case#governance-general) | Board and committee oversight of technology and cyber risk | In production | The Technology Committee (chair John Schultz) and the Enterprise Risk Management Committee oversee technology and cyber risk, with the CISO, CIO and Chief Privacy and Information Risk Officer briefing the latter at least annually. | [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000088/colb-20251231.htm) |
| [AI governance (general)](https://www.bankingnewsai.com/ai-regulation/by-use-case#governance-general) | Responsible AI Working Group and ServiceNow AI Control Tower | In production | A cross-functional group of technology, risk, compliance, legal and cybersecurity leaders sets frameworks for procuring, assessing and deploying AI, backed by an internal AI Policy. The ServiceNow AI Control Tower centralises oversight of AI assets, models and prompts, aligned to the NIST AI Risk Management Framework. | [Columbia Banking System](https://www.columbiabank.com/globalassets/media/documents/esg/columbia-banking-system-corporate-citizenship-report-2025.pdf) |

## Disclosed numbers

| Measure | Value | As of | Sources |
| --- | --- | --- | --- |
| Pacific Premier acquisition | $2 billion, closed 31 August 2025 | Apr 23, 2026 | [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1), [Banking Dive](https://www.bankingdive.com/news/columbia-acquire-pacific-premier-southern-california-umpqua-2-billion/746223/) |
| Individuals affected by the 2025 breach / days to notify | 7,067 / 119 | May 15, 2026 | [American Banker](https://www.americanbanker.com/news/how-columbia-bank-kept-a-breach-quiet-for-119-days) |
| Share buyback authorised | up to $700 million | Oct 30, 2025 | [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat) |
| Loan origination growth, Q1 2026 | +38% year on year | Apr 23, 2026 | [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1) |
| Total assets | $66.0 billion | Mar 31, 2026 | [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1) |
| Customer-support mix, human calls to AI-assistant chats | 2 : 1 → 1 : 3 | Apr 23, 2026 | [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-banking-system-q1-earnings-223611466.html) |
| Customers added with Pacific Premier while call-centre staff stayed flat | +30% | Sep 15, 2026 | [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099) |
| Platforms and solutions using some form of AI | 83 | Jul 24, 2025 | [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript) |
| Close rate on predictive-analytics next-best-offer leads | about 50% | Jul 24, 2025 | [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript) |
| Contact-centre agents / total associates | about 450 / about 5,000 | Apr 11, 2025 | [Webex Blog (Cisco)](https://blog.webex.com/customer-experience/how-ai-enhanced-customer-experience-at-umpqua-bank/) |
| Pacific Premier cost savings captured against target | $102 million of $127 million at 31 March 2026; target beaten by $5 million at 30 June | Jul 23, 2026 | [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-columbia-banking-tops-q2-eps-forecast-shares-slip-93CH-4810216) |
| 2026 Business Barometer respondents / expecting AI to lift productivity | 1,186 / 96% | Jun 25, 2026 | [PR Newswire](https://www.prnewswire.com/news-releases/2026-columbia-bank-business-barometer-us-small-and-midsize-businesses-poised-for-growth-waiting-to-make-significant-moves-302810706.html), [Bizwomen (bizjournals)](https://bizjournals.com/sacramento/bizwomen/news/latest-news/2026/09/women-business-owners-invest-for-growth.html) |
| Customers notified after the 2023 MOVEit vendor incident | about 429,000 | Aug 4, 2026 | [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000170/colb-20260630.htm) |
| Associates promoted to advanced roles after AI-supported mobile and online banking support | more than 60 | Sep 19, 2026 | [Columbia Banking System](https://www.columbiabank.com/globalassets/media/documents/esg/columbia-banking-system-corporate-citizenship-report-2025.pdf) |

## Quotes

> "As we scan the horizon and look at things, our view is, the greatest investment we can make is in our own stock, our own company." — Clint Stein, President and CEO, Oct 30, 2025 ([American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat))

> "AI is becoming an important tool for driving efficiency across Columbia. During our Pacific Premier core systems conversion, we used AI to automate work that traditionally would be completed manually." — Clint Stein, President and CEO, Apr 23, 2026 ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html))

> "Our ratio of human calls to AI-powered agent chats moved from two to one in favor of humans to three to one in favor of AI agents, as many routine administrative questions are now handled by the virtual assistant." — Clint Stein, President and CEO, Apr 23, 2026 ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html))

> "Our teams delivered a strong quarter, continuing to generate relationship-based commercial business while successfully supporting customers through a core systems conversion." — Chris Merrywell, President, Columbia Bank, Apr 23, 2026 ([PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1))

> "We added 30% more customers with the PacPremier acquisition, but our call center staff stayed flat. That’s a lot of this AI work." — Drew Anderson, Chief Administrative Officer, Sep 15, 2026 ([Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099))

> "For instance, we are not losing ground on AI. Today, we have 83 different platforms and solutions that use a form of AI that ranges from basic to powerful." — Clint Stein, President and CEO, Jul 24, 2025 ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript))

> "Not to decide the credit yes or no, but just speed up the analytics, the reporting, the decision-making." — Drew Anderson, Chief Administrative Officer, Sep 15, 2026 ([Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099))

> "Technology, we’re never going to be on the cutting edge, but all of our tech platforms are contemporary." — Clint Stein, President and CEO, Sep 15, 2026 ([Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099))

> "We had to determine what AI was being used, how it was being used, and what customer data was involved." — Cameron Mitchell, AVP, Telephony Services Manager, Apr 11, 2025 ([Webex Blog (Cisco)](https://blog.webex.com/customer-experience/how-ai-enhanced-customer-experience-at-umpqua-bank/))

## Who runs AI

- **Clint Stein** — President and CEO, Columbia Banking System ([LinkedIn](https://www.linkedin.com/in/clint-stein-34138151/)) ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat))
- **Chris Merrywell** — Senior EVP and Chief Operating Officer; President, Columbia Bank (proxy: President of Consumer Banking) ([PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html))
- **Tory Nixon** — Senior EVP; President of Commercial Banking, Columbia Bank (Business Barometer: President of Columbia Bank) ([LinkedIn](https://www.linkedin.com/in/torran-nixon-902b054/)) ([PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm))
- **Drew Anderson** — EVP, Chief Administrative Officer (earlier chief data officer) ([LinkedIn](https://www.linkedin.com/in/drew-anderson-cpa-8a1576a/)) ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099))
- **Tom Rice** — Chief Information Officer, Columbia Bank (joined from Pacific Premier Bank at closing, 2 September 2025) ([PR Newswire](https://prnewswire.com/news-releases/columbia-banking-system-completes-acquisition-of-pacific-premier-bancorp-and-unifies-columbia-brand-302542727.html))
- **Aaron Deer** — EVP, Chief Strategy and Innovation Officer (CFO until February 2023) ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm))
- **Andrew Ognall** — EVP, Chief Risk Officer (since June 2025) ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm))
- **Frank Namdar** — EVP, Chief Credit Officer (credit side of the commercial-lending AI work Anderson described; his role in it is not stated) ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099))
- **Ivan Seda** — EVP, Chief Financial Officer (since December 2025; deputy CFO from August 2025, earlier BECU, Union Bank, MUFG) ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm))
- **Kathryn Albright** — EVP, Head of Global Payments and Deposits (fraud and treasury; Business Barometer spokesperson) ([PR Newswire](https://www.prnewswire.com/news-releases/2026-columbia-bank-business-barometer-us-small-and-midsize-businesses-poised-for-growth-waiting-to-make-significant-moves-302810706.html), [Bizwomen (bizjournals)](https://bizjournals.com/sacramento/bizwomen/news/latest-news/2026/09/women-business-owners-invest-for-growth.html))
- **Cameron Mitchell** — AVP, Telephony Services Manager (led the Webex contact-centre migration and AI feature rollout) ([Webex Blog (Cisco)](https://blog.webex.com/customer-experience/how-ai-enhanced-customer-experience-at-umpqua-bank/))
- **John Schultz** — Director; chair of the board Technology Committee (EVP, Chief Operating and Legal Officer, Hewlett Packard Enterprise) ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm))
- **Hilliard Terry III** — Director; Technology Committee member (also a director of Upstart Holdings since 2019) ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm))

## Open AI roles

Data as of Oct 25, 2026 (2026-10-25) · read from the bank's own careers site, re-checked weekly.

1 open AI-related posting on [the careers site](https://columbiabank.wd108.myworkdayjobs.com/en-US/Columbia) as of Oct 25, 2026. A snapshot of current openings, not a source: postings close.

- [Quantitative Modeler & Data Scientist](https://columbiabank.wd108.myworkdayjobs.com/en-US/Columbia/job/Lake-Oswego-Oregon/Quantitative-Modeler---Data-Scientist_JR103358) — Lake Oswego Oregon (+1 more) — posted Sep 29, 2026

## Which AI vendors and fintechs does Columbia work with?

| Company | What Columbia uses it for | Status | Category |
| --- | --- | --- | --- |
| [Glia](https://www.bankingnewsai.com/vendors/glia) | Glia's platform for digital customer service (chat, on-screen voice, co-browsing) behind the bank's 'Go-To' service, plus an AI virtual assistant for after-hours consumer support. | In production | [Conversational AI](https://www.bankingnewsai.com/ai-tools/conversational-ai) |

Each vendor and fintech page cites the source for the relationship. [AI tools for banks](https://www.bankingnewsai.com/ai-tools) · [fintech and neobank AI dossiers](https://www.bankingnewsai.com/fintech).

## Regulators it answers to

- [FDIC](https://www.bankingnewsai.com/ai-regulation/fdic) — Columbia Bank is an Oregon-chartered, FDIC-insured nonmember bank; the FDIC is its primary federal supervisor for technology and any AI. See [FDIC FIL-15-2026](https://www.bankingnewsai.com/ai-regulation/documents/fdic-fil-15-2026).
- [Federal Reserve](https://www.bankingnewsai.com/ai-regulation/federal-reserve) — Columbia Banking System is the holding company; core and conversion vendors are third-party relationships. See [SR 23-4](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-23-4).
- [State of California](https://www.bankingnewsai.com/ai-regulation/california) — Pacific Premier's Southern California customers bring the CPPA's automated-decision and cybersecurity rules into scope. See [CPPA ADMT, risk-assessment and cybersecurity-audit regulations](https://www.bankingnewsai.com/ai-regulation/documents/ca-cppa-admt-risk-cyber-regulations-2025).
- [CFPB](https://www.bankingnewsai.com/ai-regulation/cfpb) — Consumer deposit and lending products keep UDAAP and ECOA obligations in view for any future AI use. See [ECOA / Regulation B adverse action (15 U.S.C. 1691(d); 12 CFR 1002.9)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-ecoa-regulation-b-adverse-action).

## What the record suggests

### One platform at last

Three years of conversions are over; a bank that has ruled out deals can now spend technology capacity on capabilities rather than migrations, which is where AI disclosure from peers begins.

### The breach timeline is the governance story regulators will remember

Detection in three days was good; 119 days to notify was not. Incident-response automation and disclosure discipline are a more urgent technology investment than any assistant.

### Surveying clients about AI is not the same as running it

The Business Barometer gives Columbia a view of what small businesses expect from AI; matching that with its own tools is the obvious next product step.

### Buybacks over builds is a choice with a shelf life

$700 million to shareholders is defensible after two integrations, but peers of similar size are now reporting adoption figures; investors will eventually ask for both.

## FAQ

### Who leads AI at Columbia Banking System?

No chief AI, data or technology officer appears among Columbia's executive officers in the 2026 proxy. Chief administrative officer Drew Anderson, a former chief data officer, presented the bank's AI work at the Barclays conference on 15 September 2026, and CEO Clint Stein fronts it on earnings calls. Tom Rice is chief information officer, having joined from Pacific Premier on 2 September 2025. Aaron Deer is chief strategy and innovation officer and Andrew Ognall is chief risk officer. Stein said in July 2025 that one group runs current AI solutions and another handles fintech partnerships; neither group's leader is named.

### Which technology vendors does Columbia Bank use for AI?

Columbia names three. Cisco supplies Webex Contact Center and its AI Assistant, which the bank rolled out to about 450 contact-centre agents before any customer-facing AI. Glia supplies the chat, on-screen voice and co-browsing platform behind its Go-To digital service. The Pacific Premier API marketplace, renamed the Columbia Bank API marketplace, is in use across the combined company. Its fraud models are in-house, layered on unnamed vendor tools. No AI lab, cloud or GPU provider is named, and no patents assigned to the bank were found.

### How did AI help Columbia integrate Pacific Premier?

Columbia announced the $2.0 billion deal on 23 April 2025, closed it on 31 August 2025 and converted systems in January 2026. Stein said AI automated the review and validation of thousands of data fields that would have meant manual checks and custom coding. Nine branches were consolidated in the first quarter. The bank had captured $102 million of a $127 million cost-savings target by 31 March 2026 and beat the target by $5 million at 30 June. Stein called the conversion the best the company had done.

### Does Columbia Banking System use AI?

Yes, operationally, though it has disclosed no AI budget or dedicated AI executive; in July 2025 Stein put its AI footprint at 83 platforms and solutions. On the first-quarter 2026 earnings call CEO Clint Stein said AI automated the validation of thousands of data fields during the Pacific Premier systems conversion, completed in the first quarter of 2026, helps developers work faster, and runs a customer-support assistant that now handles three chats for every human call. Investor decks cite AI-powered 'Smart Leads' and automated code generation, and the 2026 Business Barometer surveyed nearly 1,200 small and midsize businesses on AI impacts.

### What happened with the Columbia Bank data breach?

An attacker was inside certain Columbia Bank applications from early October to late December 2025. The bank discovered the intrusion on 19 December and cut off access three days later, but began notifying the 7,067 affected people only on 17 April 2026, 119 days after discovery, according to American Banker. A class action alleging negligence and consumer-protection violations followed.

## Sources (30)

1. Columbia CEO: Latest merger will avoid snags of the last one — American Banker, Apr 28, 2025. https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one
2. Columbia eschews more M&A amid activist investor heat — American Banker, Oct 31, 2025. https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat
3. How Columbia Bank (Wash.) kept a breach quiet for 119 days — American Banker, May 15, 2026. https://www.americanbanker.com/news/how-columbia-bank-kept-a-breach-quiet-for-119-days
4. Columbia to expand in SoCal with $2B acquisition of Pacific Premier — Banking Dive, Apr 24, 2025. https://www.bankingdive.com/news/columbia-acquire-pacific-premier-southern-california-umpqua-2-billion/746223/
5. Columbia Banking System, Inc. Reports First Quarter 2026 Results — PR Newswire via FT Markets, Apr 23, 2026. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1
6. Columbia Banking System, Inc. Reports Second Quarter 2026 Results — PR Newswire via FT Markets, Jul 23, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607231601PR_NEWS_USPRX____SF10745-1
7. Columbia Banking System Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Columbia Banking System (SEC filings), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/887343/000088734326000088/colb-20251231.htm
8. Columbia Banking System 2026 Proxy Statement (Form DEF 14A): executive officers — Columbia Banking System (SEC filings), Mar 31, 2026. https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm
9. Second Quarter 2025 Investor Presentation (Form 8-K, Exhibit 99.2) — Columbia Banking System (SEC filings), Jul 24, 2025. https://www.sec.gov/Archives/edgar/data/887343/000088734325000221/colbq22025earningspresen.htm
10. Third Quarter 2025 Investor Presentation (Form 8-K, Exhibit 99.2) — Columbia Banking System (SEC filings), Oct 30, 2025. https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm
11. Columbia (COLB) Q1 2026 Earnings Call Transcript — Yahoo Finance, Apr 23, 2026. https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html
12. Columbia Banking System Q1 Earnings Call Highlights — MarketBeat via Yahoo Finance, Apr 23, 2026. https://finance.yahoo.com/markets/stocks/articles/columbia-banking-system-q1-earnings-223611466.html
13. 2026 Columbia Bank Business Barometer: U.S. Small and Midsize Businesses Poised for Growth, Waiting to Make Significant Moves — PR Newswire via FT Markets, Jun 25, 2026. https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1
14. Columbia Banking System at Barclays conference: discipline drives gains — Investing.com, Sep 15, 2026. https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099
15. Columbia Banking System to Acquire Pacific Premier Bancorp, Expanding the Premier Business Bank in the West — PR Newswire, Apr 23, 2025. https://prnewswire.com/news-releases/columbia-banking-system-to-acquire-pacific-premier-bancorp-expanding-the-premier-business-bank-in-the-west-302436402.html
16. Columbia Banking System Completes Acquisition of Pacific Premier Bancorp and Unifies Columbia Brand — PR Newswire, Sep 2, 2025. https://prnewswire.com/news-releases/columbia-banking-system-completes-acquisition-of-pacific-premier-bancorp-and-unifies-columbia-brand-302542727.html
17. How AI Enhanced Customer Experience at Columbia Bank — Webex Blog (Cisco), Apr 11, 2025. https://blog.webex.com/customer-experience/how-ai-enhanced-customer-experience-at-umpqua-bank/
18. Umpqua Bank 2024 Business Barometer: U.S. Middle Market Optimism Surges, While Small Businesses Proceed Cautiously — PR Newswire, Jun 13, 2024. https://www.prnewswire.com/news-releases/umpqua-bank-2024-business-barometer-us-middle-market-optimism-surges-while-small-businesses-proceed-cautiously-302171352.html
19. Umpqua Bank 2025 Business Barometer: U.S. Businesses Report Steady Outlook Amid Tariff, Economic Uncertainty — PR Newswire, Jun 17, 2025. https://prnewswire.com/news-releases/umpqua-bank-2025-business-barometer-us-businesses-report-steady-outlook-amid-tariff-economic-uncertainty-302483157.html
20. 2026 Columbia Bank Business Barometer: U.S. Small and Midsize Businesses Poised for Growth, Waiting to Make Significant Moves — PR Newswire, Jun 25, 2026. https://www.prnewswire.com/news-releases/2026-columbia-bank-business-barometer-us-small-and-midsize-businesses-poised-for-growth-waiting-to-make-significant-moves-302810706.html
21. Mid-year survey: Bay Area businesses prioritize spending over cost-cutting as AI fuels expectations for growth — San Francisco Business Times (bizjournals), Jul 6, 2026. https://bizjournals.com/sanfrancisco/news/2026/07/06/mid-year-survey-bay-area-businesses-ai-growth.html
22. Women business owners prioritize growth despite economic doubt — Bizwomen (bizjournals), Sep 15, 2026. https://bizjournals.com/sacramento/bizwomen/news/latest-news/2026/09/women-business-owners-invest-for-growth.html
23. Columbia Bank (COLB) Q2 2025 earnings call transcript — earnings call transcript (The Motley Fool), Jul 24, 2025. https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript
24. Earnings call transcript: Columbia Banking Q4 2025 beats expectations — Investing.com, Jan 22, 2026. https://investing.com/news/transcripts/earnings-call-transcript-columbia-banking-q4-2025-beats-expectations-93CH-4461705
25. Columbia Banking at 2026 RBC conference: strategic growth and challenges — Investing.com, Mar 11, 2026. https://investing.com/news/transcripts/columbia-banking-at-2026-rbc-conference-strategic-growth-and-challenges-93CH-4555905
26. Earnings call transcript: Columbia Banking tops Q2 EPS forecast, shares slip — Investing.com, Jul 23, 2026. https://investing.com/news/transcripts/earnings-call-transcript-columbia-banking-tops-q2-eps-forecast-shares-slip-93CH-4810216
27. Second Quarter 2026 Investor Presentation (Form 8-K, Exhibit 99.2) — Columbia Banking System (SEC filings), Jul 23, 2026. https://www.sec.gov/Archives/edgar/data/887343/000088734326000165/colb2026q2earningspresen.htm
28. Columbia Banking System Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Columbia Banking System (SEC filings), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/887343/000088734326000170/colb-20260630.htm
29. Corporate Citizenship Report 25 (PDF retrieved 2026-10-14; file last modified 2026-09-19) — Columbia Banking System, Sep 19, 2026. https://www.columbiabank.com/globalassets/media/documents/esg/columbia-banking-system-corporate-citizenship-report-2025.pdf
30. Columbia Bank Stops Deciding Between Efficiency and Experience (undated case study, retrieved 2026-09-24) — Glia, Sep 24, 2026. https://www.glia.com/case-study/columbia-bank

---

Canonical page: https://www.bankingnewsai.com/banks/columbia
Part of [BankingNewsAI](https://www.bankingnewsai.com/) — a free daily brief on AI in banking, an AI regulation tracker (45 authorities, 256 documents) and AI-strategy profiles of the 120 largest US banks. Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.