Columbia Bank

Commercial bank · Tacoma, United States

Columbia Bank is a regional commercial bank headquartered in Tacoma, Washington, and listed as Columbia Banking System Inc on Nasdaq under COLB. Its current FDIC charter is the legal successor to Umpqua Bank, formed when Columbia Banking System acquired Umpqua Holdings Corporation in 2023; the combined bank traded as Umpqua Bank until its legal name changed to Columbia Bank on 1 July 2025. It serves nine Western states from Arizona to Washington with retail, commercial and SBA banking, treasury management and international banking, and reported 65.4 billion dollars in total assets to the FDIC as of 30 June 2026, where the charter's main office is still recorded at the legacy Umpqua address in Roseburg, Oregon. The register entity named 'Columbia Bank - Commercial Card Program Mgmt' is not a separate company; it is a login link on Columbia Bank's own website that routes business customers to a third-party portal for administering an existing commercial card program.

Legal name: Columbia Bank
Regulated by: FDIC (US), Oregon Division of Financial Regulation
Licence confirmed: yes, on a regulator's own list
Established: 1953
Website: www.columbiabank.com

Scores, 0 to 10

6.5United States

369 domestic offices across nine Western states and 65.4 billion dollars in FDIC-reported assets, but the register's own 'Commercial Card Program Mgmt' entry is only a login page, not a separate institution. · source

5.5Financial strength & stability

65.4 billion dollars in FDIC-reported assets as of 30 June 2026 and continuous operation since a 1953 charter, but the bank carries no public credit rating on the pages reviewed. · source

5.0Cross-border payments, FX and multi-currency accounts

International Banking appears as a distinct commercial product line, but no currency count, margin or rail is published on the page reviewed. Treasury Management, API Banking and Corporate Lending are listed as distinct commercial product lines alongside a 369-office branch network. · source

4.5Trade, manufacturing & import-export

International Banking and Corporate Lending are listed as commercial product lines, consistent with standard regional-bank trade finance, though no letter-of-credit detail is published on the pages reviewed. · source

4.0Lowest fees

Columbia Bank publishes no fee schedule on its commercial card or treasury management landing pages for direct comparison. · source

4.0Best interest on business balances

No business interest rate is published on the pages reviewed; treasury management is listed only by product name. · source

4.0Fast digital onboarding

Commercial Online Banking requires enrollment with a Company ID; no self-service digital account-opening flow is described on the pages reviewed. · source

4.0Business cards (Visa, Mastercard)

A dedicated Commercial Card Program Mgmt portal and Commercial Card Expense Mgmt login exist for administering business card programs, but no published card fee schedule was found on the pages reviewed. · source

3.5Crypto-friendly bank

No published policy on cryptocurrency businesses appears on Columbia Bank's commercial banking navigation. · source

3.5High-risk verticals (iGaming, cannabis, adult, forex)

No published policy on gambling, cannabis, adult or forex business clients appears on the commercial banking pages reviewed. · source

3.5On-ramp: buy crypto with fiat

Columbia sells no crypto, and its March 2026 treasury terms list virtual currency exchangers, administrators and miners among customer types barred from its cash vault service, a sign of restriction on crypto firms; no rule on ordinary businesses paying exchanges was found. · source

3.0Fintech companies that need a partner bank

API Banking is listed as a product line, but no sponsor-bank, safeguarding-account or payment-firm program is described on the pages reviewed. · source

3.0Online businesses: e-commerce and SaaS

Merchant Services appear among Columbia Bank's login options, but no multi-currency collection account or marketplace payout product is described. API Banking is listed as a product line, but no accounting integration or revenue-based financing for software companies is described. · source

3.0Startups & VC-backed companies

No startup-specific financing or pre-revenue program is listed among Columbia Bank's commercial product lines. · source

3.0Customer satisfaction

Trustpilot lists only 3 reviews for columbiabank.com, averaging 2.8 out of 5, too small a sample to be representative. · source

2.5Foreign-owned & non-resident companies

No published onboarding path for non-resident or foreign-owned business customers appears on the commercial banking pages reviewed. · source

1.0Crypto wallet and custody for a business

No crypto holding for business clients: Columbia Bank's treasury management terms (revision 03.26) and business rules describe no digital asset service, and no product was found in press, checked September 2026. · source

1.0Accept crypto payments

No crypto or stablecoin acceptance for merchants appears in Columbia Bank's treasury management terms or business rules, checked September 2026. · source

1.0Bitcoin

No bitcoin buying, custody or funds for business or personal clients were found in Columbia Bank's agreements or press, checked September 2026. · source

1.0Ethereum

No ether product of any kind was found in Columbia Bank's agreements or press, checked September 2026. · source

1.0Stablecoins (USDC, USDT and others)

No stablecoin accounts, payouts or settlement network membership was found in Columbia Bank's treasury terms or press, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.