Columbia Banking System (NASDAQ: COLB) Q2 2026 net income hits $208M

Rhea-AI Filing Summary

Columbia Banking System, Inc. reported second quarter 2026 net income of $208 million and diluted EPS of $0.73, with operating net income of $217 million and operating diluted EPS of $0.76 for the quarter ended June 30, 2026.

Net interest income was $589 million and net interest margin was 3.93%, slightly lower than the prior quarter, while non-interest income rose to $88 million and non-interest expense declined to $375 million, improving the efficiency ratio to 55.15%. Return on average assets was 1.27% and return on average common equity was 10.99%. Credit metrics remained stable, with net charge-offs at 0.25% of average loans and leases (annualized), an allowance for credit losses of $475 million (1.01% of loans and leases), and non-performing assets at 0.42% of total assets.

Total assets were $65.4 billion, loans and leases $47.2 billion, and deposits $52.1 billion, reflecting balance sheet optimization, including reductions in brokered and wholesale public deposits and higher borrowings of $4.3 billion. The company declared a quarterly dividend of $0.37 per share and repurchased $199 million of common stock (6.6 million shares at an average price of $29.93). Book value per share was $26.70, tangible book value per share $19.22, and estimated regulatory capital ratios remained strong, with a 13.4% total risk-based capital ratio and 11.6% common equity tier 1 ratio. Integration of the Pacific Premier acquisition and related cost synergies were essentially complete by quarter-end.

Filing Explained

The July 23 release adds $25.6 billion of total available liquidity, while final quarterly statements remain for the upcoming Form 10-Q.

This Form 8-K records Columbia's July 23, 2026 release of second-quarter results and accompanying investor presentation as a material-event disclosure, not the final quarterly report. For the company and existing common holders, the newly stated structural point is liquidity: at June 30, total available liquidity including secured off-balance-sheet lines was $25.6 billion, while cash and cash equivalents were $1.8 billion.

Available liquidity here includes secured off-balance-sheet lines, so it is a broader funding measure than cash held on the balance sheet.

The resolution point is Columbia's Form 10-Q for the quarter ended June 30, 2026, which the filing says will contain the final financial statements and additional analyses.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Net income: $208 million Diluted EPS: $0.73 Net interest margin: 3.93% +5 more

8 metrics

Net income $208 million Net income for quarter ended June 30, 2026

Diluted EPS $0.73 Earnings per common share – diluted for Q2 2026

Net interest margin 3.93% Net interest margin for Q2 2026

Total assets $65.4 billion Total assets as of June 30, 2026

Loans and leases $47.2 billion Gross loans and leases as of June 30, 2026

Total deposits $52.1 billion Total deposits as of June 30, 2026

CET1 capital ratio 11.6% Estimated common equity tier 1 risk-based capital ratio at June 30, 2026

Share repurchases $199 million Common stock repurchased under current plan during Q2 2026

Key Terms

net interest margin, pre-provision net revenue, allowance for credit losses, tangible book value per common share, +2 more

6 terms

net interest margin financial

"Net interest margin was 3.93%, down 3 basis points from the prior quarter"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

pre-provision net revenue financial

"Pre-provision net revenue 1 | $302 | | $283 | | $233"

Pre-provision net revenue is a bank’s income from core operations — interest earned minus interest paid plus fees and other operating income, after operating costs — measured before setting aside funds for potential loan losses. Investors use it to gauge how well a bank’s everyday business generates money independent of one-time loss reserves, like judging a store’s sales and operating profit before accounting for an expected number of returned items.

allowance for credit losses financial

"The allowance for credit losses ("ACL") was $475 million, or 1.01% of loans"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

tangible book value per common share financial

"Tangible book value per common share 1 | $19.22 | | $19.03"

A per-share measure of the company’s tangible net asset value available to common shareholders after removing intangible items (like goodwill, brand value, and patents) and any preferred shareholder claims. Think of it as the amount each common share would get if the company sold only its physical and financial assets and settled priority claims. Investors use it as a conservative baseline to judge whether a stock is cheaply priced relative to the company’s hard-asset backing.

non-performing assets financial

"Non-performing assets were $273 million, or 0.42% of total assets"

Loans or other credit exposures that are not producing expected income because borrowers have stopped making scheduled payments for a significant period (commonly around 90 days). Think of it like a business lending money that has gone quiet — the cash flow stops while the lender still carries the debt on its books. High levels of non-performing assets matter to investors because they reduce a lender’s earnings, tie up capital that could be used for growth, and signal higher risk of future losses.

mortgage servicing rights financial

"Quarterly changes in fair value adjustments and mortgage servicing rights ("MSR") hedging"

Mortgage servicing rights are the contractual right to collect mortgage payments, manage escrow accounts, handle customer service and delinquency actions on a pool of home loans, in exchange for a portion of the loan’s payments. They matter to investors because their value behaves like a revenue stream that can rise or fall with interest rates and borrower behavior — similar to owning a toll bridge where income depends on traffic volume and maintenance costs — and thus affect a lender’s earnings and risk profile.

Earnings Snapshot

Net income: $208 million

quarter ended June 30, 2026

Net income $208 million up 8% sequentially and 37% year over year

Diluted EPS $0.73 increased from $0.66 in Q1 2026 and matched $0.73 in Q2 2025

Net interest income $589 million decreased by $5 million from $594 million in Q1 2026

AI-generated analysis. How Rhea-AI works. Not financial advice.

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google

Add on Google Not now

Understanding 8-K Material Events →

Available on EDGAR 07/23/2026 - 04:31 PM Accepted by SEC EDGAR 07/23/2026 - 04:31 PM Learn about SEC filing dates

FAQ

What were Columbia Banking System (COLB) net income and EPS for Q2 2026?

Columbia Banking System (COLB) reported Q2 2026 net income of $208 million and diluted EPS of $0.73. Operating net income was $217 million, with operating diluted EPS of $0.76, for the quarter ended June 30, 2026.

How did COLB’s net interest income and net interest margin perform in Q2 2026?

In Q2 2026 COLB generated net interest income of $589 million with a net interest margin of 3.93%. Net interest income decreased by $5 million and margin fell 3 basis points from Q1 2026, partly due to $4 million of interest income reversals.

What were key credit quality metrics for COLB in Q2 2026?

For Q2 2026 COLB’s net charge-offs were 0.25% of average loans and leases (annualized), the allowance for credit losses was $475 million (1.01% of loans and leases), and non-performing assets were $273 million, or 0.42% of total assets.

What were Columbia Banking System (COLB) loans, deposits, and liquidity at June 30, 2026?

At June 30, 2026, COLB reported total assets of $65.4 billion, loans and leases of $47.2 billion, and deposits of $52.1 billion. Including secured off-balance sheet lines, total available liquidity was $25.6 billion, equal to 39% of total assets.

What capital ratios and shareholder returns did COLB report for Q2 2026?

As of June 30, 2026, COLB’s estimated total risk-based capital ratio was 13.4% and CET1 ratio 11.6%. The company paid a $0.37 quarterly dividend and repurchased $199 million of common stock, or 6.6 million shares at an average price of $29.93.

How is the Pacific Premier acquisition affecting COLB’s Q2 2026 results?

COLB closed its Pacific Premier acquisition on August 31, 2025 and completed systems conversion and nine branch consolidations in Q1 2026. By June 30, 2026, organizational changes and cost-related synergies were essentially complete, including the achievement of previously disclosed cost savings targets.

What deposit trends and campaigns did COLB highlight for Q2 2026?

COLB’s deposits totaled $52.1 billion at June 30, 2026, down from Q1 due to reduced brokered and wholesale public deposits and seasonal tax payments. A first 2026 campaign brought in over $600 million in new deposits; a second generated about $650 million through mid-July.

0000887343false00008873432026-07-232026-07-23

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities and Exchange Act of 1934

Date of Report: July 23, 2026

(Date of earliest event reported)

Columbia Banking System, Inc.

(Exact Name of Registrant as Specified in Its Charter)

 

Washington			000-20288			91-1422237
(State or Other Jurisdiction of Incorporation or Organization)			(Commission File Number)			(I.R.S. Employer Identification Number)

1301 A Street

Tacoma, Washington 98402-4200

(address of Principal Executive Offices)(Zip Code)

(253) 305-1900

(Registrant's Telephone Number, Including Area Code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

[ ☐ ]    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

[ ☐ ]    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

[ ☐ ]    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

[ ☐ ]    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

TITLE OF EACH CLASS			TRADING SYMBOL			NAME OF EXCHANGE
Common Stock, No Par Value			COLB			The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company [ ☐ ]

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. [ ]

Item 2.02 Results of Operations and Financial Condition.

On July 23, 2026, Columbia Banking System, Inc. issued a press release announcing second quarter 2026 financial results. The release is attached hereto as Exhibit 99.1. Columbia Banking System, Inc. will include final financial statements and additional analyses for the quarter ended June 30, 2026 as part of its quarterly report on Form 10-Q covering that period. The information contained in this paragraph, as well as Exhibit 99.1 referenced herein, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”).

 

Item 7.01 Regulation FD Disclosure.

On July 23, 2026, Columbia Banking System, Inc. issued an investor slide presentation that it intends to review in conjunction with its earnings release conference call on July 23, 2026. The slides attached hereto as Exhibit 99.2 to this report and shall not be deemed to be "filed" for the purposes of Section 18 of the Exchange Act, or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01			Financial Statements and Exhibits.
(d)			EXHIBITS
			99.1 Press Release announcing second quarter 2026 financial results dated July 23, 2026
			99.2 Second Quarter 2026 Investor Presentation
			104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

			Columbia Banking System, Inc. (Registrant)
Dated: July 23, 2026			By: /s/ Ivan A. Seda       Ivan A. Seda       Executive Vice President, Chief Financial Officer

EXHIBIT 99.1

00

COLUMBIA BANKING SYSTEM, INC. REPORTS SECOND QUARTER 2026 RESULTS

$208 million

$217 million

$0.73

$0.76

Net income

Operating net income1

Earnings per common share - diluted

Operating earnings per common share - diluted1

0

CEO Commentary

"Our second quarter results demonstrate the resilience of our franchise and reflect the value of disciplined execution across the company," said Clint Stein, Chairman, CEO & President. "While the operating environment remains dynamic, we continued to execute on our strategic priorities through prudent expense management, ongoing balance sheet optimization, and consistent capital returns to shareholders. Commercial loan balances continued to grow, reflecting the strength of our customer relationships and the trust we have built across our markets. We also continued to reposition the balance sheet in ways that support stronger long-term performance. Supported by our diversified business model, sound credit culture, and strong capital generation, we remain committed to delivering sustainable returns and creating long-term value for our shareholders."

Clint Stein, Chairman, CEO & President of Columbia Banking System, Inc.

2Q26 HIGHLIGHTS (COMPARED TO 1Q26)
Net Interest Income and NIM			•Net interest income decreased by $5 million from the prior quarter, due in part to $4 million of interest income reversals, alongside modest balance sheet deleveraging.
			•Net interest margin was 3.93%, down 3 basis points from the prior quarter, as the interest income reversals mentioned above reduced the net interest margin by 3 basis points.
Non-Interest Income and Expense			•Non-interest income increased by $5 million, due primarily to higher treasury management and card-based fees, partially offset by quarterly changes in fair value adjustments and hedging activity. Results also include $3 million in death benefit proceeds related to a single policy.
			•Non-interest expense decreased by $19 million, due to lower merger expense and the realization of acquisition-related cost savings.
Credit Quality			•Net charge-offs were 0.25% of average loans and leases (annualized), compared to 0.30% for the prior quarter.
			•Provision expense was $27 million, compared to $28 million for the prior quarter.
			•Non-performing assets to total assets ratio was 0.42%, compared to 0.40% as of March 31, 2026.
Capital			•Estimated total risk-based capital ratio of 13.4% and estimated common equity tier 1 risk-based capital ratio of 11.6%.
			•Declared a quarterly cash dividend of $0.37 per common share on May 15, 2026, which was paid June 15, 2026.
			•Repurchased $199 million of common stock under our current repurchase plan.
Notable Items			•Our first small business and retail campaign of 2026, which began in February and ended  April 30, 2026, brought over $600 million in new deposits to the bank and also was successful in generating new SBA lending relationships. Our second campaign began in June and has generated approximately $650 million in new deposit balances through mid-July.

2Q26 KEY FINANCIAL DATA
PERFORMANCE METRICS			2Q26						1Q26						2Q25
Return on average assets			1.27%						1.18%						1.19%
Return on average common equity			10.99%						10.00%						11.56%
Return on average tangible common equity1			15.29%						13.88%						16.03%
Operating return on average assets1			1.33%						1.28%						1.25%
Operating return on average common equity1			11.46%						10.89%						12.16%
Operating return on average tangible common equity1			15.95%						15.11%						16.85%
Net interest margin			3.93%						3.96%						3.75%
Efficiency ratio			55.15%						58.03%						54.29%
Operating efficiency ratio, as adjusted 1			52.92%						53.68%						51.79%
INCOME STATEMENT ($ in millions, excl. per share data)			2Q26						1Q26						2Q25
Net interest income			$589						$594						$446
Provision for credit losses			$27						$28						$30
Non-interest income			$88						$83						$65
Non-interest expense			$375						$394						$278
Pre-provision net revenue1			$302						$283						$233
Operating pre-provision net revenue1			$314						$306						$242
Earnings per common share - diluted			$0.73						$0.66						$0.73
Operating earnings per common share - diluted1			$0.76						$0.72						$0.76
Dividends paid per share			$0.37						$0.37						$0.36
BALANCE SHEET ($ in millions, excl. per share data)			2Q26						1Q26						2Q25
Total assets			$65,380						$66,027						$51,901
Loans and leases			$47,166						$47,697						$37,637
Deposits			$52,056						$53,489						$41,743
Book value per common share			$26.70						$26.47						$25.41
Tangible book value per common share1			$19.22						$19.03						$18.47

Investor Contact

Jacquelynne "Jacque" Bohlen, SVP/Director of Investor Relations, 503-727-4100, jacquebohlen@columbiabank.com

1 "Non-GAAP" financial measure. See GAAP to Non-GAAP Reconciliation for additional information.

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 2

Organizational Update

Columbia Banking System, Inc. ("Columbia," the "Company," "we," or "our") closed its acquisition of Pacific Premier Bancorp, Inc. ("Pacific Premier") on August 31, 2025, and completed the systems conversion and nine branch consolidations during the first quarter of 2026. All organizational changes and cost-related synergies were essentially complete as of June 30, 2026, including the achievement of our previously disclosed cost savings target associated with the Pacific Premier acquisition.

During the second quarter, we opened a branch in Colorado Springs and a financial hub in Las Vegas. We continue to strategically expand and refine our physical footprint to support relationship-driven growth, while funding these initiatives through targeted real estate optimization and other efficiency improvements.

Net Interest Income and Net Interest Margin

Net interest income was $589 million for the second quarter of 2026, down $5 million from the first quarter of 2026, due in part to $4 million of interest income reversals, alongside modest balance sheet deleveraging.

Columbia's net interest margin was 3.93% for the second quarter of 2026, down 3 basis points from the first quarter of 2026, as the interest income reversals mentioned above reduced the net interest margin by 3 basis points during the second quarter. Excluding this impact, net interest margin was consistent between periods, as higher yields on loans and leases partially offset a lower yield on taxable securities, driven by changes in prepayment speed expectations. Improved funding costs also contributed favorably to the net interest margin.

The cost of interest-bearing deposits decreased 8 basis points from the prior quarter to 1.96% for the second quarter of 2026, compared to 2.04% for the first quarter of 2026. The decrease during the second quarter reflects our active management of deposit rates and a lower mix of higher-cost brokered deposits. The cost of interest-bearing deposits was 1.95% for the month of June and 1.94% as of June 30, 2026.

Columbia's cost of interest-bearing liabilities decreased 3 basis points from the prior quarter to 2.21% for the second quarter of 2026, compared to 2.24% for the first quarter of 2026. The cost of interest-bearing liabilities was 2.22% for the month of June and 2.21% as of June 30, 2026. Refer to the Q2 2026 Earnings Presentation for additional net interest margin change details and interest rate sensitivity information.

Non-interest Income

Non-interest income was $88 million for the second quarter of 2026, up $5 million from the prior quarter. Quarterly changes in fair value adjustments and mortgage servicing rights ("MSR") hedging activity, which reflect interest rate fluctuations during the quarter, collectively resulted in a net fair value loss of $3 million for the second quarter, compared to a net fair value gain of $2 million for the first quarter, as detailed in our non-GAAP disclosures. Excluding these items, non-interest income was $91 million2 for the second quarter of 2026, up $10 million between periods, due primarily to higher treasury management and card-based fees. We also received $3 million in death benefit proceeds during the second quarter related to a single policy, which was recorded in other income.

Non-interest Expense

Non-interest expense was $375 million for the second quarter of 2026, down $19 million from the prior quarter, due to lower merger expense. Excluding merger and restructuring expense and exit and disposal costs, as detailed in our non-GAAP disclosures, non-interest expense was $366 million2, down $3 million from the prior quarter, due to cost savings related to the Pacific Premier acquisition. Refer to the Q2 2026 Earnings Presentation for additional expense details.

Balance Sheet

Total consolidated assets were $65.4 billion as of June 30, 2026, compared to $66.0 billion as of March 31, 2026. The decrease reflects balance sheet optimization activity. Cash and cash equivalents were $1.8 billion as of June 30, 2026, compared to $2.1 billion as of March 31, 2026. Including secured off-balance sheet lines of credit, total available liquidity was $25.6 billion as of June 30, 2026, representing 39% of total assets, 49% of total deposits, and 125% of uninsured deposits. Available-for-sale securities, which are held on balance sheet at fair value, were $11.1 billion as of June 30, 2026, compared to $10.9 billion as of March 31, 2026. The increase is due to the purchase of $462 million of investment securities, which offset paydowns and a decrease in the fair value of the portfolio. Refer to the Q2 2026 Earnings Presentation for additional details related to our investment securities portfolio and liquidity position.

2 "Non-GAAP" financial measure. See GAAP to Non-GAAP Reconciliation for additional information.

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 3

Gross loans and leases were $47.2 billion as of June 30, 2026, compared to $47.7 billion as of March 31, 2026. The decrease reflects continued expected runoff in below-market-rate transactional loans and lower balances in non-owner occupied commercial real estate given elevated payoffs, due in part to competitive pricing pressure. Commercial loans, inclusive of owner-occupied commercial real estate, increased by 5% on an annualized basis relative to March 31, 2026, partially offsetting contraction in other portfolios. "Our bankers remained focused on relationship-driven activity during the second quarter, generating new business opportunities while continuing to manage the balance sheet with discipline," commented Tory Nixon, President of Columbia Bank. "Commercial relationship growth remained solid, and the continued runoff of lower-return transactional loans is reshaping our balance sheet as intended. Customer engagement remains healthy, and we remain encouraged by the quality of our pipelines and the opportunities we see across our western footprint." Refer to the Q2 2026 Earnings Presentation for additional details related to our loan portfolio, which include underwriting characteristics, the composition of our commercial portfolios, and disclosure related to transactional loans.

Total deposits were $52.1 billion as of June 30, 2026, compared to $53.5 billion as of March 31, 2026. The decrease reflects intentional reductions in brokered deposits and wholesale public deposits, which declined to $978 million and $928 million, respectively, as of June 30, 2026, compared to $1.6 billion and $1.2 billion, respectively, as of March 31, 2026. Customer deposit contraction in April due to seasonal tax payments also contributed to the decline between periods. "Seasonal factors reduced deposit balances early in the quarter, with balances stabilizing in May and June despite increasing competition," stated Mr. Nixon. "Our teams continue to emphasize relationship banking, serving our customers through advice-driven conversations and tailored solutions, while preserving the strength of our core deposit franchise. Meeting the evolving needs of our customers remains at the center of the value we provide." We utilized borrowings, which were $4.3 billion as of June 30, 2026, compared to $3.4 billion as of March 31, 2026, to supplement funding needs. Refer to the Q2 2026 Earnings Presentation for additional details related to deposit characteristics and flows.

Credit Quality

The allowance for credit losses ("ACL") was $475 million, or 1.01% of loans and leases, as of June 30, 2026, compared to $478 million, or 1.00% of loans and leases, as of March 31, 2026. The provision for credit losses was $27 million for the second quarter of 2026 and reflects loan portfolio runoff, credit migration trends, charge-off activity, and changes in the economic forecasts used in credit models.

Net charge-offs were 0.25% of average loans and leases (annualized) for the second quarter of 2026, compared to 0.30% for the first quarter of 2026. Net charge-offs in the FinPac portfolio were $15 million for the second quarter, compared to $14 million for the first quarter. Net charge-offs excluding the FinPac portfolio were $15 million for the second quarter, compared to $21 million for the first quarter. Non-performing assets were $273 million, or 0.42% of total assets, as of June 30, 2026, compared to $264 million, or 0.40% of total assets, as of March 31, 2026. Refer to the Q2 2026 Earnings Presentation for additional details related to the allowance for credit losses and other credit trends.

Capital

Columbia's book value per common share was $26.70 as of June 30, 2026, compared to $26.47 as of March 31, 2026. During the second quarter, Columbia repurchased 6.6 million common shares under its current repurchase plan at an average price of $29.93, representing 2.3% of outstanding common shares. Book value also was impacted by the change in accumulated other comprehensive (loss) income ("AOCI") to $(310) million as of June 30, 2026, compared to $(291) million as of the prior quarter-end. The change in AOCI is due primarily to an increase in the tax-effected net unrealized loss on available-for-sale securities to $275 million as of June 30, 2026, compared to $260 million as of March 31, 2026. Tangible book value per common share3 was $19.22 as of June 30, 2026, compared to $19.03 as of March 31, 2026.

Columbia's estimated total risk-based capital ratio was 13.4% and its estimated common equity tier 1 risk-based capital ratio was 11.6% as of June 30, 2026, compared to 13.5% and 11.7%, respectively, as of March 31, 2026. Columbia remains above current “well-capitalized” regulatory minimums. The regulatory capital ratios as of June 30, 2026 are estimates, pending completion and filing of Columbia's regulatory reports.

3 "Non-GAAP" financial measure. See GAAP to Non-GAAP Reconciliation for additional information.

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 4

Earnings Presentation and Conference Call Information

Columbia's Q2 2026 Earnings Presentation provides additional disclosure. A copy will be available on our investor relations page: www.columbiabankingsystem.com.

Columbia will host its second quarter 2026 earnings conference call on July 23, 2026 at 2:00 p.m. PT (5:00 p.m. ET). During the call, Columbia's management will provide an update on recent activities and discuss its second quarter 2026 financial results. Participants may join the audiocast or register for the call using the link below to receive dial-in details and their own unique PINs. It is recommended you join 10 minutes prior to the start time.

Join the audiocast: https://edge.media-server.com/mmc/p/thdt6a5z/

Register for the call: https://register-conf.media-server.com/register/BIb20bf1c21e7e4dcd93e446da448dd1e9

Access the replay through Columbia's investor relations page: https://www.columbiabankingsystem.com/news-market-data/event-calendar/default.aspx

About Columbia Banking System, Inc.

Columbia Banking System, Inc. (Nasdaq: COLB) is headquartered in Tacoma, Washington and is the parent company of Columbia Bank, an award-winning preeminent regional bank with offices in Arizona, California, Colorado, Idaho, Nevada, Oregon, Texas, Utah, and Washington. Columbia Bank combines the resources, sophistication, and expertise of a national bank with a commitment to deliver superior, personalized service. The bank supports consumers and businesses through a full suite of services, including retail and commercial banking, Small Business Administration lending, institutional and corporate banking, and equipment leasing. Columbia Bank customers also have access to comprehensive investment and wealth management expertise as well as healthcare and private banking through Columbia Wealth Management. Learn more at www.columbiabankingsystem.com.

Forward-Looking Statements

This press release includes forward-looking statements within the meaning of the "Safe-Harbor" provisions of the Private Securities Litigation Reform Act of 1995, which management believes are a benefit to shareholders. These statements are necessarily subject to risk and uncertainty and actual results could differ materially due to various risk factors, including those set forth from time to time in our filings with the Securities and Exchange Commission. You should not place undue reliance on forward-looking statements and we undertake no obligation to update any such statements. Forward-looking statements can be identified by words such as "anticipates," "intends," "plans," "seeks," "believes," "estimates," "expects," "target," "projects," "outlook," "forecast," "will," "may," "could," "should," "can" and similar references to future periods. In this press release we make forward-looking statements about strategic and growth initiatives and the result of such activity. Risks and uncertainties that could cause results to differ from forward-looking statements we make include, without limitation: current and future economic and market conditions, including the effects of declines in housing and commercial real estate prices, high unemployment rates, renewed inflation and any recession or slowdown in economic growth particularly in the western United States; economic forecast variables that are either materially worse or better than end of quarter projections and deterioration in the economy that could result in increased loan and lease losses, especially those risks associated with concentrations in real estate related loans; risks related to our acquisition of Pacific Premier (the "Transaction"), including, among others, (i) any revenue synergies from the Transaction may not be fully realized or may take longer than anticipated to be realized, and (ii) deposit attrition as a result of the Transaction; the impact of proposed or imposed tariffs by the U.S. government and retaliatory tariffs proposed or imposed by U.S. trading partners that could have an adverse impact on customers; our ability to effectively manage problem credits; the impact of bank failures or adverse developments at other banks on general investor sentiment regarding the liquidity and stability of banks; changes in interest rates that could significantly reduce net interest income and negatively affect asset yields and valuations and funding sources; changes in the scope and cost of FDIC insurance and other coverage; our ability to successfully implement efficiency and operational excellence initiatives; our ability to successfully develop and market new products and technology; changes in laws or regulations; potential adverse reactions or changes to business or employee relationships; the effect of geopolitical instability, including wars, conflicts and terrorist attacks; and natural disasters and other similar unexpected events outside of our control. We also caution that the amount and timing of any future common stock dividends or repurchases will depend on the earnings, cash requirements and financial condition of Columbia, market conditions, capital requirements, applicable law and regulations (including federal securities laws and federal banking and state regulations), and other factors deemed relevant by Columbia's Board of Directors.

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 5

			TABLE INDEX
						Page
			Consolidated Statements of Income			6
			Consolidated Balance Sheets			8
			Financial Highlights			9
			Loan & Lease Portfolio Balances and Mix			11
			Deposit Portfolio Balances and Mix			12
			Credit Quality - Non-performing Assets			13
			Credit Quality - Allowance for Credit Losses			14
			Consolidated Average Balance Sheets, Net Interest Income, and Yields/Rates			16
			Residential Mortgage Banking Activity			18
			GAAP to Non-GAAP Reconciliation			20

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 6

Columbia Banking System, Inc.
Consolidated Statements of Income
(Unaudited)
			Quarter Ended																														% Change
($ in millions, shares in thousands)			Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Seq. Quarter						Year over Year
Interest income:
Loans and leases			$	683					$	684					$	722					$	619					$	564					—		%				21		%
Interest and dividends on investments:
Taxable			98						103						102						89						80						(5)		%				23		%
Exempt from federal income tax			12						12						12						8						7						—		%				71		%
Dividends			4						3						3						4						3						33		%				33		%
Temporary investments and interest bearing deposits			13						14						19						20						16						(7)		%				(19)		%
Total interest income			810						816						858						740						670						(1)		%				21		%
Interest expense:
Deposits			173						184						195						195						180						(6)		%				(4)		%
Securities sold under agreement to repurchase and federal funds purchased			1						1						1						1						1						—		%				—		%
Borrowings			39						30						27						30						35						30		%				11		%
Junior and other subordinated debentures			8						7						8						9						8						14		%				—		%
Total interest expense			221						222						231						235						224						—		%				(1)		%
Net interest income			589						594						627						505						446						(1)		%				32		%
Provision for credit losses			27						28						23						70						30						(4)		%				(10)		%
Non-interest income:
Service charges on deposits			23						20						24						21						20						15		%				15		%
Card-based fees			17						15						16						15						14						13		%				21		%
Financial services and trust revenue			15						15						15						9						6						—		%				150		%
Residential mortgage banking revenue, net			7						12						7						7						8						(42)		%				(13)		%
(Loss) gain on investment securities, net			(1)						—						2						2						—						nm						nm
Gain on loan and lease sales, net			—						1						1						—						—						(100)		%				nm
(Loss) gain on loans held for investment, at fair value			(1)						(2)						—						4						—						(50)		%				nm
BOLI income			9						9						9						6						5						—		%				80		%
Other income			19						13						16						13						12						46		%				58		%
Total non-interest income			88						83						90						77						65						6		%				35		%
Non-interest expense:
Salaries and employee benefits			196						196						201						171						155						—		%				26		%
Occupancy and equipment, net			65						66						67						54						47						(2)		%				38		%
FDIC assessments			9						9						4						8						8						—		%				13		%
Intangible amortization			38						41						42						31						26						(7)		%				46		%
Merger and restructuring expense			9						24						39						87						8						(63)		%				13		%
Other expenses			58						58						59						42						34						—		%				71		%
Total non-interest expense			375						394						412						393						278						(5)		%				35		%
Income before provision for income taxes			275						255						282						119						203						8		%				35		%
Provision for income taxes			67						63						67						23						51						6		%				31		%
Net income			$	208					$	192					$	215					$	96					$	152					8		%				37		%
Weighted average basic shares outstanding (in thousands)			285,558						290,933						295,376						237,838						209,125						(2)		%				37		%
Weighted average diluted shares outstanding (in thousands)			286,472						292,160						296,760						238,925						209,975						(2)		%				36		%
Earnings per common share – basic			$	0.73					$	0.66					$	0.72					$	0.40					$	0.73					11		%				—		%
Earnings per common share – diluted			$	0.73					$	0.66					$	0.72					$	0.40					$	0.73					11		%				—		%
nm = Percentage changes greater than +/-500% are considered not meaningful and are presented as "nm."

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 7

Columbia Banking System, Inc.
Consolidated Statements of Income
(Unaudited)
						Six Months Ended												% Change
($ in millions, shares in thousands)						Jun 30, 2026						Jun 30, 2025						Year over Year
Interest income:
Loans and leases						$	1,367					$	1,117					22		%
Interest and dividends on investments:
Taxable						201						149						35		%
Exempt from federal income tax						24						14						71		%
Dividends						7						6						17		%
Temporary investments and interest bearing deposits						27						32						(16)		%
Total interest income						1,626						1,318						23		%
Interest expense:
Deposits						357						357						0		%
Securities sold under agreement to repurchase and federal funds purchased						2						2						0		%
Borrowings						69						71						(3)		%
Junior and other subordinated debentures						15						17						(12)		%
Total interest expense						443						447						(1)		%
Net interest income						1,183						871						36		%
Provision for credit losses						55						57						(4)		%
Non-interest income:
Service charges on deposits						43						39						10		%
Card-based fees						32						27						19		%
Financial services and trust revenue						30						11						173		%
Residential mortgage banking revenue, net						19						17						12		%
(Loss) gain on investment securities, net						(1)						2						(150)		%
Gain on loan and lease sales, net						1						—						nm
(Loss) gain on loans held for investment, at fair value						(3)						7						(143)		%
BOLI income						18						10						80		%
Other income						32						18						78		%
Total non-interest income						171						131						31		%
Non-interest expense:
Salaries and employee benefits						392						300						31		%
Occupancy and equipment, net						131						95						38		%
FDIC assessments						18						16						13		%
Intangible amortization						79						54						46		%
Merger and restructuring expense						33						23						43		%
Legal settlement						—						55						(100)		%
Other expenses						116						75						55		%
Total non-interest expense						769						618						24		%
Income before provision for income taxes						530						327						62		%
Provision for income taxes						130						88						48		%
Net income						$	400					$	239					67		%
Weighted average basic shares outstanding (in thousands)						288,130						208,964						38		%
Weighted average diluted shares outstanding (in thousands)						289,212						209,965						38		%
Earnings per common share – basic						$	1.39					$	1.14					22		%
Earnings per common share – diluted						$	1.38					$	1.14					21		%
nm = Percentage changes greater than +/-500% are considered not meaningful and are presented as "nm."

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 8

Columbia Banking System, Inc.
Consolidated Balance Sheets
(Unaudited)
																																	% Change
($ in millions, shares in thousands)			Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Seq. Quarter						Year over Year
Assets:
Cash and due from banks			$	648					$	577					$	511					$	535					$	608					12		%				7		%
Interest-bearing cash and temporary investments			1,121						1,522						1,869						1,808						1,334						(26)		%				(16)		%
Investment securities:
Equity and other, at fair value			126						124						113						112						93						2		%				35		%
Available for sale, at fair value			11,131						10,915						11,112						11,013						8,653						2		%				29		%
Held to maturity, at amortized cost			17						18						18						18						2						(6)		%				nm
Loans held for sale			61						81						262						340						66						(25)		%				(8)		%
Loans and leases			47,166						47,697						47,776						48,462						37,637						(1)		%				25		%
Allowance for credit losses on loans and leases			(458)						(459)						(466)						(473)						(421)						—		%				9		%
Net loans and leases			46,708						47,238						47,310						47,989						37,216						(1)		%				26		%
Restricted equity securities			207						168						159						119						161						23		%				29		%
Premises and equipment, net			424						426						422						416						357						—		%				19		%
Goodwill			1,482						1,482						1,482						1,481						1,029						—		%				44		%
Other intangible assets, net			633						671						712						754						430						(6)		%				47		%
Bank-owned life insurance			1,227						1,222						1,218						1,199						705						—		%				74		%
Other assets			1,595						1,583						1,644						1,712						1,247						1		%				28		%
Total assets			$	65,380					$	66,027					$	66,832					$	67,496					$	51,901					(1)		%				26		%
Liabilities:
Deposits
Non-interest-bearing			$	17,218					$	17,635					$	17,419					$	17,810					$	13,220					(2)		%				30		%
Interest-bearing			34,838						35,854						36,792						37,961						28,523						(3)		%				22		%
Total deposits			52,056						53,489						54,211						55,771						41,743						(3)		%				25		%
Securities sold under agreements to repurchase			189						162						207						167						191						17		%				(1)		%
Borrowings			4,250						3,400						3,200						2,300						3,350						25		%				27		%
Junior subordinated debentures, at fair value			339						333						338						331						323						2		%				5		%
Junior and other subordinated debentures, at amortized cost			97						97						97						107						108						—		%				(10)		%
Other liabilities			897						882						939						1,030						844						2		%				6		%
Total liabilities			57,828						58,363						58,992						59,706						46,559						(1)		%				24		%
Shareholders' equity:
Common stock			7,702						7,896						8,099						8,189						5,826						(2)		%				32		%
Retained earnings (accumulated deficit)			160						59						(26)						(131)						(151)						171		%				nm
Accumulated other comprehensive loss			(310)						(291)						(233)						(268)						(333)						7		%				(7)		%
Total shareholders' equity			7,552						7,664						7,840						7,790						5,342						(1)		%				41		%
Total liabilities and shareholders' equity			$	65,380					$	66,027					$	66,832					$	67,496					$	51,901					(1)		%				26		%
Common shares outstanding at period end (in thousands)			282,817						289,530						295,422						299,147						210,213						(2)		%				35		%
nm = Percentage changes greater than +/-500% are considered not meaningful and are presented as "nm."

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 9

Columbia Banking System, Inc.
Financial Highlights
(Unaudited)
						Quarter Ended																														% Change
						Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Seq. Quarter						Year over Year
Per Common Share Data:
Dividends						$	0.37					$	0.37					$	0.37					$	0.36					$	0.36					—		%				3		%
Book value						$	26.70					$	26.47					$	26.54					$	26.04					$	25.41					1		%				5		%
Tangible book value (1)						$	19.22					$	19.03					$	19.11					$	18.57					$	18.47					1		%				4		%
Performance Ratios:
Efficiency ratio (2)						55.15		%				58.03		%				57.30		%				67.29		%				54.29		%				(2.88)						0.86
Non-interest expense to average assets (1)						2.29		%				2.41		%				2.44		%				2.74		%				2.16		%				(0.12)						0.13
Return on average assets ("ROAA")						1.27		%				1.18		%				1.27		%				0.67		%				1.19		%				0.09						0.08
Pre-provision net revenue ("PPNR") ROAA (1)						1.85		%				1.73		%				1.80		%				1.32		%				1.81		%				0.12						0.04
Return on average common equity						10.99		%				10.00		%				10.92		%				6.19		%				11.56		%				0.99						(0.57)
Return on average tangible common equity (1)						15.29		%				13.88		%				15.24		%				8.58		%				16.03		%				1.41						(0.74)
Performance Ratios - Operating: (1)
Operating efficiency ratio, as adjusted (1), (2)						52.92		%				53.68		%				51.39		%				52.32		%				51.79		%				(0.76)						1.13
Operating non-interest expense to average assets (1)						2.24		%				2.26		%				2.20		%				2.14		%				2.10		%				(0.02)						0.14
Operating ROAA (1)						1.33		%				1.28		%				1.44		%				1.42		%				1.25		%				0.05						0.08
Operating PPNR ROAA (1)						1.92		%				1.87		%				2.02		%				1.89		%				1.88		%				0.05						0.04
Operating return on average common equity (1)						11.46		%				10.89		%				12.34		%				13.15		%				12.16		%				0.57						(0.70)
Operating return on average tangible common equity (1)						15.95		%				15.11		%				17.22		%				18.24		%				16.85		%				0.84						(0.90)
Average Balance Sheet Yields, Rates, & Ratios:
Yield on loans and leases						5.77		%				5.78		%				5.92		%				5.96		%				6.00		%				(0.01)						(0.23)
Yield on earning assets (2)						5.40		%				5.44		%				5.55		%				5.62		%				5.62		%				(0.04)						(0.22)
Cost of interest bearing deposits						1.96		%				2.04		%				2.08		%				2.43		%				2.52		%				(0.08)						(0.56)
Cost of interest bearing liabilities						2.21		%				2.24		%				2.27		%				2.65		%				2.78		%				(0.03)						(0.57)
Cost of total deposits						1.32		%				1.39		%				1.40		%				1.66		%				1.73		%				(0.07)						(0.41)
Cost of total funding (3)						1.55		%				1.56		%				1.57		%				1.87		%				1.98		%				(0.01)						(0.43)
Net interest margin (2)						3.93		%				3.96		%				4.06		%				3.84		%				3.75		%				(0.03)						0.18
Average interest bearing cash / Average interest earning assets						2.33		%				2.59		%				3.12		%				3.41		%				2.97		%				(0.26)						(0.64)
Average loans and leases / Average interest earning assets						78.67		%				78.44		%				78.12		%				78.39		%				78.64		%				0.23						0.03
Average loans and leases / Average total deposits						90.19		%				88.58		%				87.34		%				88.39		%				90.07		%				1.61						0.12
Average non-interest bearing deposits / Average total deposits						32.90		%				32.26		%				32.45		%				31.41		%				31.39		%				0.64						1.51
Average total deposits / Average total funding (3)						91.88		%				93.58		%				94.52		%				93.47		%				91.92		%				(1.70)						(0.04)
Select Credit & Capital Ratios:
Non-performing loans and leases to total loans and leases						0.57		%				0.55		%				0.41		%				0.40		%				0.47		%				0.02						0.10
Non-performing assets to total assets						0.42		%				0.40		%				0.30		%				0.29		%				0.35		%				0.02						0.07
Allowance for credit losses to loans and leases						1.01		%				1.00		%				1.02		%				1.01		%				1.17		%				0.01						(0.16)
Total risk-based capital ratio (4)						13.4		%				13.5		%				13.6		%				13.4		%				13.0		%				(0.10)						0.40
Common equity tier 1 risk-based capital ratio (4)						11.6		%				11.7		%				11.8		%				11.6		%				10.8		%				(0.10)						0.80

(1) See GAAP to Non-GAAP Reconciliation.

(2) Tax-exempt interest was adjusted to a taxable equivalent basis using a 21% tax rate.

(3) Total funding = total deposits + total borrowings.

(4) Estimated holding company ratios.

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 10

Columbia Banking System, Inc.
Financial Highlights
(Unaudited)
						Six Months Ended												% Change
						Jun 30, 2026						Jun 30, 2025						Year over Year
Per Common Share Data:
Dividends						$	0.74					$	0.72					2.78		%
Performance Ratios:
Efficiency ratio (2)						56.59		%				61.54		%				(4.95)
Non-interest expense to average assets (1)						2.35		%				2.42		%				(0.07)
Return on average assets						1.22		%				0.94		%				0.28
PPNR ROAA (1)						1.79		%				1.50		%				0.29
Return on average common equity						10.49		%				9.18		%				1.31
Return on average tangible common equity (1)						14.58		%				12.80		%				1.78
Performance Ratios - Operating: (1)
Operating efficiency ratio, as adjusted (1), (2)						53.29		%				53.40		%				(0.11)
Operating non-interest expense to average assets (1)						2.25		%				2.11		%				0.14
Operating ROAA (1)						1.30		%				1.17		%				0.13
Operating PPNR ROAA (1)						1.90		%				1.78		%				0.12
Operating return on average common equity (1)						11.17		%				11.52		%				(0.35)
Operating return on average tangible common equity (1)						15.53		%				16.07		%				(0.54)
Average Balance Sheet Yields, Rates, & Ratios:
Yield on loans and leases						5.78		%				5.96		%				(0.18)
Yield on earning assets (2)						5.42		%				5.56		%				(0.14)
Cost of interest bearing deposits						2.00		%				2.52		%				(0.52)
Cost of interest bearing liabilities						2.23		%				2.79		%				(0.56)
Cost of total deposits						1.35		%				1.72		%				(0.37)
Cost of total funding (3)						1.56		%				1.98		%				(0.42)
Net interest margin (2)						3.94		%				3.67		%				0.27
Average interest bearing cash / Average interest earning assets						2.46		%				3.05		%				(0.59)
Average loans and leases / Average interest earning assets						78.55		%				78.78		%				(0.23)
Average loans and leases / Average total deposits						89.38		%				90.21		%				(0.83)
Average non-interest bearing deposits / Average total deposits						32.58		%				31.57		%				1.01
Average total deposits / Average total funding (3)						92.73		%				91.90		%				0.83

(1) See GAAP to Non-GAAP Reconciliation.

(2) Tax-exempt interest was adjusted to a taxable equivalent basis using a 21% tax rate.

(3) Total funding = Total deposits + Total borrowings.

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 11

Columbia Banking System, Inc.
Loan & Lease Portfolio Balances and Mix
(Unaudited)
			Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						% Change
($ in millions)			Amount						Amount						Amount						Amount						Amount						Seq. Quarter						Year over Year
Loans and leases:
Commercial real estate: (1)
Non-owner occupied term			$	7,584					$	8,113					$	8,206					$	8,444					$	6,190					(7)		%				23		%
Owner occupied term			7,405						7,258						7,314						7,361						5,320						2		%				39		%
Multifamily			10,122						10,173						10,281						10,377						5,735						(1)		%				76		%
Construction & development			1,529						1,670						1,707						2,071						2,070						(8)		%				(26)		%
Residential development			369						373						362						367						286						(1)		%				29		%
Commercial:
Term			7,004						6,887						6,713						6,590						5,353						2		%				31		%
Lines of credit & other			3,794						3,804						3,643						3,582						2,951						—		%				29		%
Leases & equipment finance			1,617						1,619						1,599						1,614						1,641						—		%				(1)		%
Residential:
Mortgage			5,402						5,483						5,624						5,722						5,830						(1)		%				(7)		%
Home equity loans & lines			2,176						2,147						2,149						2,153						2,083						1		%				4		%
Consumer & other			164						170						178						181						178						(4)		%				(8)		%
Total loans and leases, net of deferred fees and costs			$	47,166					$	47,697					$	47,776					$	48,462					$	37,637					(1)		%				25		%
Loans and leases mix:
Commercial real estate: (1)
Non-owner occupied term			16		%				17		%				17		%				18		%				16		%
Owner occupied term			16		%				15		%				15		%				15		%				14		%
Multifamily			22		%				21		%				22		%				21		%				15		%
Construction & development			3		%				4		%				4		%				4		%				6		%
Residential development			1		%				1		%				1		%				1		%				1		%
Commercial:
Term			15		%				15		%				14		%				14		%				14		%
Lines of credit & other			8		%				8		%				8		%				7		%				8		%
Leases & equipment finance			3		%				3		%				3		%				3		%				4		%
Residential:
Mortgage			11		%				11		%				12		%				12		%				15		%
Home equity loans & lines			5		%				5		%				4		%				4		%				6		%
Consumer & other			—		%				—		%				—		%				1		%				1		%
Total			100		%				100		%				100		%				100		%				100		%

(1) During the three months ended June 30, 2026, the Company aligned the presentation of certain loans with its established loan classification methodology. This resulted in approximately $174 million of loans being reported within different commercial real estate loan categories, primarily multifamily loans, with a corresponding decrease in non-owner occupied term loans.

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 12

Columbia Banking System, Inc.
Deposit Portfolio Balances and Mix
(Unaudited)
			Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						% Change
($ in millions)			Amount						Amount						Amount						Amount						Amount						Seq. Quarter						Year over Year
Deposits:
Demand, non-interest bearing			$	17,218					$	17,635					$	17,419					$	17,810					$	13,220					(2)		%				30		%
Demand, interest bearing			11,093						10,860						10,763						11,675						8,335						2		%				33		%
Money market			16,415						16,843						17,013						16,816						11,694						(3)		%				40		%
Savings			2,392						2,437						2,442						2,504						2,276						(2)		%				5		%
Time			4,938						5,714						6,574						6,966						6,218						(14)		%				(21)		%
Total			$	52,056					$	53,489					$	54,211					$	55,771					$	41,743					(3)		%				25		%
Total core deposits (1)			$	49,488					$	50,245					$	50,174					$	51,535					$	37,294					(2)		%				33		%
Deposit mix:
Demand, non-interest bearing			33		%				33		%				32		%				32		%				32		%
Demand, interest bearing			21		%				20		%				20		%				21		%				20		%
Money market			32		%				31		%				31		%				30		%				28		%
Savings			5		%				5		%				5		%				5		%				5		%
Time			9		%				11		%				12		%				12		%				15		%
Total			100		%				100		%				100		%				100		%				100		%

(1) Core deposits are defined as total deposits less time deposits greater than $250,000 and all brokered deposits.

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 13

Columbia Banking System, Inc.
Credit Quality – Non-performing Assets
(Unaudited)
						Quarter Ended																														% Change
($ in millions)						Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Seq. Quarter						Year over Year
Non-performing assets: (1)
Loans and leases on non-accrual status:
			Commercial real estate			$	96					$	91					$	50					$	53					$	31					5		%				210		%
			Commercial			84						96						66						67						67						(13)		%				25		%
			Total loans and leases on non-accrual status			180						187						116						120						98						(4)		%				84		%
Loans and leases past due 90+ days and accruing: (2)
			Commercial real estate			4						3						2						—						—						33		%				nm
			Commercial			4						2						8						5						5						100		%				(20)		%
			Residential (2)			80						69						72						71						74						16		%				8		%
			Total loans and leases past due 90+ days and accruing (2)			88						74						82						76						79						19		%				11		%
Total non-performing loans and leases (1), (2)						268						261						198						196						177						3		%				51		%
Other real estate owned						5						3						2						3						3						67		%				67		%
Total non-performing assets (1), (2)						$	273					$	264					$	200					$	199					$	180					3		%				52		%
Loans and leases past due 31-89 days						$	125					$	168					$	94					$	85					$	142					(26)		%				(12)		%
Loans and leases past due 31-89 days to total loans and leases						0.27		%				0.35		%				0.20		%				0.18		%				0.38		%				(0.08)						(0.11)
Non-performing loans and leases to total loans and leases (1), (2)						0.57		%				0.55		%				0.41		%				0.40		%				0.47		%				0.02						0.10
Non-performing assets to total assets (1), (2)						0.42		%				0.40		%				0.30		%				0.29		%				0.35		%				0.02						0.07
Non-accrual loans and leases to total loan and leases (2)						0.38		%				0.39		%				0.24		%				0.25		%				0.26		%				(0.01)						0.12
nm = Percentage changes greater than +/-500% are considered not meaningful and are presented as "nm."

(1) Non-accrual and 90+ days past due loans include government guarantees of $78 million, $88 million, $79 million, $70 million, and $68 million at June 30, 2026, March 31, 2026, December 31, 2025, September 30, 2025, and June 30, 2025, respectively.

(2) Excludes certain mortgage loans that carry a government guarantee, which Columbia has the unilateral right to repurchase but has not done so, totaling $4 million, $4 million, $3 million, $2 million, and $2 million at June 30, 2026, March 31, 2026, December 31, 2025, September 30, 2025, and June 30, 2025, respectively.

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 14

Columbia Banking System, Inc.
Credit Quality – Allowance for Credit Losses
(Unaudited)
						Quarter Ended																														% Change
($ in millions)						Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Seq. Quarter						Year over Year
Allowance for credit losses on loans and leases (ACLLL)
Balance, beginning of period						$	459					$	466					$	473					$	421					$	421					(2)		%				9		%
Initial ACL recorded for PCD loans acquired during the period						—						—						—						5						—						nm						nm
Provision for credit losses on loans and leases						29						28						23						69						29						4		%				0		%
Charge-offs
			Commercial real estate			(1)						—						(8)						(3)						—						nm						nm
			Commercial			(32)						(39)						(23)						(22)						(33)						(18)		%				(3)		%
			Residential			—						—						(1)						—						—						nm						nm
			Consumer & other			(2)						(1)						(1)						(2)						(1)						100		%				100		%
			Total charge-offs			(35)						(40)						(33)						(27)						(34)						(13)		%				3		%
Recoveries
			Commercial			4						4						3						4						5						0		%				(20)		%
			Consumer & other			1						1						—						1						—						0		%				nm
			Total recoveries			5						5						3						5						5						0		%				0		%
Net charge-offs
			Commercial real estate			(1)						—						(8)						(3)						—						nm						nm
			Commercial			(28)						(35)						(20)						(18)						(28)						(20)		%				0		%
			Residential			—						—						(1)						—						—						nm						nm
			Consumer & other			(1)						—						(1)						(1)						(1)						nm						0		%
			Total net charge-offs			(30)						(35)						(30)						(22)						(29)						(14)		%				3		%
Balance, end of period						$	458					$	459					$	466					$	473					$	421					0		%				9		%
Reserve for unfunded commitments
Balance, beginning of period						$	19					$	19					$	19					$	18					$	17					0		%				12		%
(Recapture) provision for credit losses on unfunded commitments						(2)						—						—						1						1						nm						(300)		%
Balance, end of period						17						19						19						19						18						(11)		%				(6)		%
Total Allowance for credit losses (ACL)						$	475					$	478					$	485					$	492					$	439					(1)		%				8		%
Net charge-offs to average loans and leases (annualized)						0.25		%				0.30		%				0.25		%				0.22		%				0.31		%				(0.05)						(0.06)
Recoveries to gross charge-offs						14.29		%				12.50		%				9.09		%				18.52		%				15.19		%				1.79						(0.90)
ACLLL to loans and leases						0.97		%				0.96		%				0.98		%				0.98		%				1.12		%				0.01						(0.15)
ACL to loans and leases						1.01		%				1.00		%				1.02		%				1.01		%				1.17		%				0.01						(0.16)
nm = Percentage changes greater than +/-500% are considered not meaningful and are presented as "nm."

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 15

Columbia Banking System, Inc.
Credit Quality – Allowance for Credit Losses
(Unaudited)
									Six Months Ended												% Change
($ in millions)									Jun 30, 2026						Jun 30, 2025						Year over Year
Allowance for credit losses on loans and leases (ACLLL)
Balance, beginning of period									$	466					$	425					10		%
Provision for credit losses on loans and leases									57						55						4		%
Charge-offs
			Commercial real estate						(1)						—						nm
			Commercial						(71)						(66)						8		%
			Residential						—						(1)						nm
			Consumer & other						(3)						(2)						50		%
			Total charge-offs						(75)						(69)						9		%
Recoveries
			Commercial						8						9						(11)		%
			Consumer & other						2						1						100		%
			Total recoveries						10						10						0		%
Net charge-offs
			Commercial real estate						(1)						—						nm
			Commercial						(63)						(57)						11		%
			Residential						—						(1)						nm
			Consumer & other						(1)						(1)						0		%
			Total net charge-offs						(65)						(59)						10		%
Balance, end of period									$	458					$	421					9		%
Reserve for unfunded commitments
Balance, beginning of period									$	19					$	16					19		%
(Recapture) provision for credit losses on unfunded commitments									(2)						2						(200)		%
Balance, end of period									17						18						(6)		%
Total Allowance for credit losses (ACL)									$	475					$	439					8		%
Net charge-offs to average loans and leases (annualized)									0.28		%				0.31		%				(0.03)
Recoveries to gross charge-offs									13.33		%				14.62		%				(1.29)
nm = Percentage changes greater than +/-500% are considered not meaningful and are presented as "nm."

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 16

Columbia Banking System, Inc.
Consolidated Average Balance Sheets, Net Interest Income, and Yields/Rates
(Unaudited)
			Quarter Ended
			June 30, 2026																		March 31, 2026																		June 30, 2025
($ in millions)			Average Balance						Interest Income or Expense						Average Yields or Rates						Average Balance						Interest Income or Expense						Average Yields or Rates						Average Balance						Interest Income or Expense						Average Yields or Rates
INTEREST-EARNING ASSETS:
Loans held for sale			$	66					$	—					6.86		%				$	189					$	3					5.17		%				$	67					$	1					6.66		%
Loans and leases (1)			47,419						683						5.77		%				47,714						681						5.78		%				37,648						563						6.00		%
Taxable securities			10,173						102						3.97		%				10,097						106						4.22		%				7,937						83						4.22		%
Non-taxable securities (2)			1,219						15						4.63		%				1,253						14						4.51		%				798						8						3.95		%
Temporary investments and interest-bearing cash			1,402						13						3.71		%				1,578						14						3.65		%				1,421						16						4.46		%
Total interest-earning assets (1), (2)			60,279						$	813					5.40		%				60,831						$	818					5.44		%				47,871						$	671					5.62		%
Goodwill and other intangible assets			2,136																		2,175																		1,472
Other assets			3,217																		3,209																		2,209
Total assets			$	65,632																	$	66,215																	$	51,552
INTEREST-BEARING LIABILITIES:
Interest-bearing demand deposits			$	11,002					$	45					1.65		%				$	10,780					$	43					1.60		%				$	8,480					$	48					2.28		%
Money market deposits			16,658						87						2.10		%				16,848						88						2.12		%				11,783						72						2.46		%
Savings deposits			2,413						1						0.14		%				2,443						1						0.12		%				2,287						1						0.13		%
Time deposits			5,205						40						3.03		%				6,414						52						3.32		%				6,126						59						3.85		%
Total interest-bearing deposits			35,278						173						1.96		%				36,485						184						2.04		%				28,676						180						2.52		%
Repurchase agreements and federal funds purchased			163						1						1.65		%				187						1						1.86		%				186						1						2.06		%
Borrowings			4,050						39						3.90		%				3,071						30						3.96		%				3,058						35						4.53		%
Junior and other subordinated debentures			431						8						7.07		%				435						7						7.03		%				428						8						8.05		%
Total interest-bearing liabilities			39,922						$	221					2.21		%				40,178						$	222					2.24		%				32,348						$	224					2.78		%
Non-interest-bearing deposits			17,301																		17,378																		13,123
Other liabilities			814																		873																		794
Total liabilities			58,037																		58,429																		46,265
Common equity			7,594																		7,786																		5,287
Total liabilities and shareholders' equity			$	65,631																	$	66,215																	$	51,552
NET INTEREST INCOME (2)									$	592																	$	596																	$	447
NET INTEREST SPREAD (2)															3.19		%																3.20		%																2.84		%
NET INTEREST INCOME TO EARNING ASSETS OR NET INTEREST MARGIN (1), (2)															3.93		%																3.96		%																3.75		%

(1)Non-accrual loans and leases are included in the average balance.   

(2)Tax-exempt income was adjusted to a tax equivalent basis at a 21% tax rate. The amount of such adjustment was an addition to recorded income of approximately $3 million for the three months ended June 30, 2026, as compared to $2 million for the three months ended March 31, 2026 and $1 million for the three months ended June 30, 2025. 

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 17

Columbia Banking System, Inc.
Consolidated Average Balance Sheets, Net Interest Income, and Yields/Rates
(Unaudited)
			Six Months Ended
			June 30, 2026																		June 30, 2025
($ in millions)			Average Balance						Interest Income or Expense						Average Yields or Rates						Average Balance						Interest Income or Expense						Average Yields or Rates
INTEREST-EARNING ASSETS:
Loans held for sale			$	127					$	3					5.62		%				$	63					$	2					6.49		%
Loans and leases (1)			47,565						1,364						5.78		%				37,663						1,115						5.96		%
Taxable securities			10,135						208						4.09		%				7,815						155						3.97		%
Non-taxable securities (2)			1,236						29						4.57		%				808						16						3.91		%
Temporary investments and interest-bearing cash			1,490						27						3.67		%				1,457						32						4.46		%
Total interest-earning assets (1), (2)			60,553						$	1,631					5.42		%				47,806						$	1,320					5.56		%
Goodwill and other intangible assets			2,156																		1,487
Other assets			3,213																		2,210
Total assets			$	65,922																	$	51,503
INTEREST-BEARING LIABILITIES:
Interest-bearing demand deposits			$	10,892					$	88					1.63		%				$	8,426					$	95					2.27		%
Money market deposits			16,753						175						2.11		%				11,694						141						2.43		%
Savings deposits			2,428						2						0.13		%				2,319						1						0.12		%
Time deposits			5,806						92						3.19		%				6,131						120						3.93		%
Total interest-bearing deposits			35,879						357						2.00		%				28,570						357						2.52		%
Repurchase agreements and federal funds purchased			175						2						1.76		%				201						2						1.94		%
Borrowings			3,563						69						3.93		%				3,048						71						4.67		%
Junior and other subordinated debentures			433						15						7.05		%				433						17						7.99		%
Total interest-bearing liabilities			40,050						$	443					2.23		%				32,252						$	447					2.79		%
Non-interest-bearing deposits			17,339																		13,180
Other liabilities			844																		819
Total liabilities			58,233																		46,251
Common equity			7,689																		5,252
Total liabilities and shareholders' equity			$	65,922																	$	51,503
NET INTEREST INCOME (2)									$	1,188																	$	873
NET INTEREST SPREAD (2)															3.19		%																2.77		%
NET INTEREST INCOME TO EARNING ASSETS OR NET INTEREST MARGIN (1), (2)															3.94		%																3.67		%

(1)Non-accrual loans and leases are included in the average balance.   

(2)Tax-exempt income was adjusted to a tax equivalent basis at a 21% tax rate. The amount of such adjustment was an addition to recorded income of approximately $5 million for the year ended June 30, 2026, as compared to $2 million for the same period in 2025. 

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 18

Columbia Banking System, Inc.
Residential Mortgage Banking Activity
(Unaudited)
			Quarter Ended																														%
($ in millions)			Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Seq. Quarter						Year over Year
Residential mortgage banking revenue:
Origination and sale			$	6					$	5					$	5					$	5					$	5					20		%				20		%
Servicing			5						6						6						5						6						(17)		%				(17)		%
Change in fair value of MSR asset:
Changes due to collection/realization of expected cash flows over time			(3)						(3)						(3)						(3)						(3)						—		%				—		%
Changes due to valuation inputs or assumptions			1						6						(1)						—						(2)						(83)		%				nm
MSR hedge (loss) gain			(2)						(2)						—						—						2						—		%				(200)		%
Total			$	7					$	12					$	7					$	7					$	8					(42)		%				(13)		%
Closed loan volume for sale			$	195					$	171					$	176					$	166					$	164					14		%				19		%
Gain on sale margin			3.08		%				2.92		%				2.84		%				3.01		%				2.77		%				0.16						0.31
Residential mortgage servicing rights:
Balance, beginning of period			$	105					$	99					$	101					$	103					$	106					6		%				(1)		%
Additions for new MSR capitalized			2						3						2						1						2						(33)		%				—		%
Change in fair value of MSR asset:
Changes due to collection/realization of expected cash flows over time			(3)						(3)						(3)						(3)						(3)						—		%				—		%
Changes due to valuation inputs or assumptions			1						6						(1)						—						(2)						(83)		%				nm
Balance, end of period			$	105					$	105					$	99					$	101					$	103					—		%				2		%
Residential mortgage loans serviced for others			$	7,734					$	7,812					$	7,755					$	7,797					$	7,852					(1)		%				(2)		%
MSR as % of serviced portfolio			1.36		%				1.34		%				1.28		%				1.30		%				1.31		%				0.02						0.05
nm = Percentage changes greater than +/-500% are considered not meaningful and are presented as "nm."

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 19

Columbia Banking System, Inc.
Residential Mortgage Banking Activity
(Unaudited)
			Six Months Ended												% Change
($ in millions)			Jun 30, 2026						Jun 30, 2025						Year over Year
Residential mortgage banking revenue:
Origination and sale			$	11					$	9					22		%
Servicing			11						12						(8)		%
Change in fair value of MSR asset:
Changes due to collection/realization of expected cash flows over time			(6)						(6)						0		%
Changes due to valuation inputs or assumptions			7						(3)						nm
MSR hedge (loss) gain			(4)						5						(180)		%
Total			$	19					$	17					12		%
Closed loan volume for sale			$	366					$	300					22		%
Gain on sale margin			3.01		%				2.98		%				0.03
Residential mortgage servicing rights:
Balance, beginning of period			$	99					$	108					(8)		%
Additions for new MSR capitalized			5						4						25		%
Change in fair value of MSR asset:
Changes due to collection/realization of expected cash flows over time			(6)						(6)						0		%
Changes due to valuation inputs or assumptions			7						(3)						nm
Balance, end of period			$	105					$	103					2		%
nm = Percentage changes greater than +/-500% are considered not meaningful and are presented as "nm."

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 20

Non-GAAP Financial Measures

In addition to results presented in accordance with generally accepted accounting principles in the United States of America ("GAAP"), this press release contains certain non-GAAP financial measures. The Company believes presenting certain non-GAAP financial measures provides investors with information useful in understanding our financial performance, our performance trends, and our financial position. We utilize these measures for internal planning and forecasting purposes, and operating pre-provision net revenue and operating return on tangible common equity are also used as part of our incentive compensation program for our executive officers. We, as well as securities analysts, investors, and other interested parties, also use these measures to compare peer company operating performance. We believe that our presentation and discussion, together with the accompanying reconciliations, provides a complete understanding of factors and trends affecting our business and allows investors to view performance in a manner similar to management. These non-GAAP measures should not be considered a substitution for GAAP basis measures and results, and we strongly encourage investors to review our consolidated financial statements in their entirety and not to rely on any single financial measure. Because non-GAAP financial measures are not standardized, it may not be possible to compare these financial measures with other companies’ non-GAAP financial measures having the same or similar names.

Columbia Banking System, Inc.
GAAP to Non-GAAP Reconciliation
Tangible Capital, as adjusted
(Unaudited)
									Quarter Ended																														% Change
($ in millions, except per-share data)									Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Seq. Quarter						Year over Year
Total shareholders' equity			a						$	7,552					$	7,664					$	7,840					$	7,790					$	5,342					(1)		%				41		%
Less: Goodwill									1,482						1,482						1,482						1,481						1,029						—		%				44		%
Less: Other intangible assets, net									633						671						712						754						430						(6)		%				47		%
Tangible common shareholders' equity			b						$	5,437					$	5,511					$	5,646					$	5,555					$	3,883					(1)		%				40		%
Total assets			c						$	65,380					$	66,027					$	66,832					$	67,496					$	51,901					(1)		%				26		%
Less: Goodwill									1,482						1,482						1,482						1,481						1,029						—		%				44		%
Less: Other intangible assets, net									633						671						712						754						430						(6)		%				47		%
Tangible assets			d						$	63,265					$	63,874					$	64,638					$	65,261					$	50,442					(1)		%				25		%
Common shares outstanding at period end (in thousands)			e						282,817						289,530						295,422						299,147						210,213						(2)		%				35		%
Total shareholders' equity to total assets ratio			a / c						11.55		%				11.61		%				11.73		%				11.54		%				10.29		%				(0.06)						1.26
Tangible common equity to tangible assets ratio			b / d						8.59		%				8.63		%				8.73		%				8.51		%				7.70		%				(0.04)						0.89
Book value per common share			a / e						$	26.70					$	26.47					$	26.54					$	26.04					$	25.41					1		%				5		%
Tangible book value per common share			b / e						$	19.22					$	19.03					$	19.11					$	18.57					$	18.47					1		%				4		%

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 21

Columbia Banking System, Inc.
GAAP to Non-GAAP Reconciliation - Continued
Income Statements, as adjusted
(Unaudited)
									Quarter Ended																														% Change
($ in millions)									Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Seq. Quarter						Year over Year
Non-Interest Income Adjustments
(Loss) gain on investment securities, net									$	(1)					$	—					$	2					$	2					$	—					nm						nm
Gain (loss) on swap derivatives									—						—						1						(1)						(1)						nm						nm
(Loss) gain on loans held for investment, at fair value									(1)						(2)						—						4						—						(50)		%				nm
Change in fair value of MSR due to valuation inputs or assumptions									1						6						(1)						—						(2)						(83)		%				nm
MSR hedge (loss) gain									(2)						(2)						—						—						2						—		%				(200)		%
Total non-interest income adjustments			a						$	(3)					$	2					$	2					$	5					$	(1)					(250)		%				200		%
Non-Interest Expense Adjustments
Merger and restructuring expense									$	9					$	24					$	39					$	87					$	8					(63)		%				13		%
Exit and disposal costs									—						1						1						—						—						(100)		%				nm
FDIC special assessment									—						—						(5)						(1)						—						nm						nm
Legal settlement and other non-operating expense									—						—						4						—						—						nm						nm
Total non-interest expense adjustments			b						$	9					$	25					$	39					$	86					$	8					(64)		%				13		%
Net interest income			c						$	589					$	594					$	627					$	505					$	446					(1)		%				32		%
Non-interest income (GAAP)			d						$	88					$	83					$	90					$	77					$	65					6		%				35		%
Less: Non-interest income adjustments			a						3						(2)						(2)						(5)						1						nm						200		%
Operating non-interest income (non-GAAP)			e						$	91					$	81					$	88					$	72					$	66					12		%				38		%
Revenue (GAAP)			f=c+d						$	677					$	677					$	717					$	582					$	511					—		%				32		%
Operating revenue (non-GAAP)			g=c+e						$	680					$	675					$	715					$	577					$	512					1		%				33		%
Non-interest expense (GAAP)			h						$	375					$	394					$	412					$	393					$	278					(5)		%				35		%
Less: Non-interest expense adjustments			b						(9)						(25)						(39)						(86)						(8)						(64)		%				13		%
Operating non-interest expense (non-GAAP)			i						$	366					$	369					$	373					$	307					$	270					(1)		%				36		%
Net income (GAAP)			j						$	208					$	192					$	215					$	96					$	152					8		%				37		%
Provision for income taxes									67						63						67						23						51						6		%				31		%
Income before provision for income taxes									275						255						282						119						203						8		%				35		%
Provision for credit losses									27						28						23						70						30						(4)		%				(10)		%
Pre-provision net revenue (PPNR) (non-GAAP)			k						302						283						305						189						233						7		%				30		%
Less: Non-interest income adjustments			a						3						(2)						(2)						(5)						1						nm						200		%
Add: Non-interest expense adjustments			b						9						25						39						86						8						(64)		%				13		%
Operating PPNR (non-GAAP)			l						$	314					$	306					$	342					$	270					$	242					3		%				30		%
Net income (GAAP)			j						$	208					$	192					$	215					$	96					$	152					8		%				37		%
Acquisition-related provision expense									—						—						—						70						—						nm						nm
Less: Non-interest income adjustments			a						3						(2)						(2)						(5)						1						nm						200		%
Add: Non-interest expense adjustments			b						9						25						39						86						8						(64)		%				13		%
Tax effect of adjustments									(3)						(6)						(9)						(43)						(1)						(50)		%				200		%
Operating net income (non-GAAP)			m						$	217					$	209					$	243					$	204					$	160					4		%				36		%
nm = Percentage changes greater than +/-500% are considered not meaningful and are presented as "nm."

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 22

Columbia Banking System, Inc.
GAAP to Non-GAAP Reconciliation - Continued
Average Balances, Earnings Per Share, and Performance Metrics, as adjusted
(Unaudited)
									Quarter Ended																														% Change
($ in millions, shares in thousands)									Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Seq. Quarter						Year over Year
Average assets			n						$	65,632					$	66,215					$	67,114					$	56,823					$	51,552					(1)		%				27		%
Less: Average goodwill and other intangible assets, net									2,136						2,175						2,217						1,719						1,472						(2)		%				45		%
Average tangible assets			o						$	63,496					$	64,040					$	64,897					$	55,104					$	50,080					(1)		%				27		%
Average common shareholders' equity			p						$	7,594					$	7,786					$	7,814					$	6,157					$	5,287					(2)		%				44		%
Less: Average goodwill and other intangible assets, net									2,136						2,175						2,217						1,719						1,472						(2)		%				45		%
Average tangible common equity			q						$	5,458					$	5,611					$	5,597					$	4,438					$	3,815					(3)		%				43		%
Weighted average basic shares outstanding (in thousands)			r						285,558						290,933						295,376						237,838						209,125						(2)		%				37		%
Weighted average diluted shares outstanding (in thousands)			s						286,472						292,160						296,760						238,925						209,975						(2)		%				36		%
Select Per-Share & Performance Metrics
Earnings per share - basic			j / r						$	0.73					$	0.66					$	0.72					$	0.40					$	0.73					11		%				—		%
Earnings per share - diluted			j / s						$	0.73					$	0.66					$	0.72					$	0.40					$	0.73					11		%				—		%
Efficiency ratio (1)			h / f						55.15		%				58.03		%				57.30		%				67.29		%				54.29		%				(2.88)						0.86
Non-interest expense to average assets			h / n						2.29		%				2.41		%				2.44		%				2.74		%				2.16		%				(0.12)						0.13
Return on average assets			j / n						1.27		%				1.18		%				1.27		%				0.67		%				1.19		%				0.09						0.08
Return on average tangible assets			j / o						1.31		%				1.22		%				1.31		%				0.69		%				1.22		%				0.09						0.09
PPNR return on average assets			k / n						1.85		%				1.73		%				1.80		%				1.32		%				1.81		%				0.12						0.04
Return on average common equity			j / p						10.99		%				10.00		%				10.92		%				6.19		%				11.56		%				0.99						(0.57)
Return on average tangible common equity			j / q						15.29		%				13.88		%				15.24		%				8.58		%				16.03		%				1.41						(0.74)
Operating Per-Share & Performance Metrics
Operating earnings per share - basic			m / r						$	0.76					$	0.72					$	0.82					$	0.86					$	0.77					6		%				(1)		%
Operating earnings per share - diluted			m / s						$	0.76					$	0.72					$	0.82					$	0.85					$	0.76					6		%				—		%
Operating efficiency ratio, as adjusted (1)			u / y						52.92		%				53.68		%				51.39		%				52.32		%				51.79		%				(0.76)						1.13
Operating non-interest expense to average assets			i / n						2.24		%				2.26		%				2.20		%				2.14		%				2.10		%				(0.02)						0.14
Operating return on average assets			m / n						1.33		%				1.28		%				1.44		%				1.42		%				1.25		%				0.05						0.08
Operating return on average tangible assets			m / o						1.37		%				1.32		%				1.49		%				1.47		%				1.28		%				0.05						0.09
Operating PPNR return on average assets			l / n						1.92		%				1.87		%				2.02		%				1.89		%				1.88		%				0.05						0.04
Operating return on average common equity			m / p						11.46		%				10.89		%				12.34		%				13.15		%				12.16		%				0.57						(0.70)
Operating return on average tangible common equity			m / q						15.95		%				15.11		%				17.22		%				18.24		%				16.85		%				0.84						(0.90)

(1) Tax-exempt interest was adjusted to a taxable equivalent basis using a 21% tax rate and added to stated revenue for this calculation.

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 23

Columbia Banking System, Inc.
GAAP to Non-GAAP Reconciliation - Continued
Operating Efficiency Ratio, as adjusted
(Unaudited)
									Quarter Ended																														% Change
($ in millions)									Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Seq. Quarter						Year over Year
Non-interest expense (GAAP)			h						$	375					$	394					$	412					$	393					$	278					(5)		%				35		%
Less: Non-interest expense adjustments			b						(9)						(25)						(39)						(86)						(8)						(64)		%				13		%
Operating non-interest expense (non-GAAP)			i						366						369						373						307						270						(1)		%				36		%
Less: B&O taxes			t						(3)						(4)						(3)						(3)						(3)						(25)		%				—		%
Operating non-interest expense, excluding B&O taxes (non-GAAP)			u						$	363					$	365					$	370					$	304					$	267					(1)		%				36		%
Net interest income (tax equivalent) (1)			v						$	592					$	596					$	629					$	507					$	447					(1)		%				32		%
Non-interest income (GAAP)			d						88						83						90						77						65						6		%				35		%
Add: BOLI tax equivalent adjustment (1)			w						3						3						3						2						2						—		%				50		%
Total Revenue, excluding BOLI tax equivalent adjustments (tax equivalent)			x						683						682						722						586						514						—		%				33		%
Less: Non-interest income adjustments			a						3						(2)						(2)						(5)						1						nm						200		%
Total Adjusted Operating Revenue, excluding BOLI tax equivalent adjustments (tax equivalent) (non-GAAP)			y						$	686					$	680					$	720					$	581					$	515					1		%				33		%
Efficiency ratio (1)			h / f						55.15		%				58.03		%				57.30		%				67.29		%				54.29		%				(2.88)						0.86
Operating efficiency ratio, as adjusted (non-GAAP) (1)			u / y						52.92		%				53.68		%				51.39		%				52.32		%				51.79		%				(0.76)						1.13
nm = Percentage changes greater than +/-500% are considered not meaningful and are presented as "nm."

(1) Tax-exempt income was adjusted to a taxable equivalent basis using a 21% tax rate and added to stated revenue for this calculation.

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 24

Columbia Banking System, Inc.
GAAP to Non-GAAP Reconciliation - Continued
Income Statements, as adjusted
(Unaudited)
									Six Months Ended												% Change
($ in millions)									Jun 30, 2026						Jun 30, 2025						Year over Year
Non-Interest Income Adjustments
(Loss) gain on investment securities, net									$	(1)					$	2					(150)		%
Loss on swap derivatives									—						(2)						nm
(Loss) gain on loans held for investment, at fair value									(3)						7						(143)		%
Change in fair value of MSR due to valuation inputs or assumptions									7						(3)						nm
MSR hedge (loss) gain									(4)						5						(180)		%
Total non-interest income adjustments			a						$	(1)					$	9					(111)		%
Non-Interest Expense Adjustments
Merger and restructuring expense									$	33					$	23					43		%
Exit and disposal costs									1						1						—		%
Legal settlement and other non-operating expense									—						55						(100)		%
Total non-interest expense adjustments			b						$	34					$	79					(57)		%
Net interest income			c						$	1,183					$	871					36		%
Non-interest income (GAAP)			d						$	171					$	131					31		%
Less: Non-interest income adjustments			a						1						(9)						nm
Operating non-interest income (non-GAAP)			e						$	172					$	122					41		%
Revenue (GAAP)			f=c+d						$	1,354					$	1,002					35		%
Operating revenue (non-GAAP)			g=c+e						$	1,355					$	993					36		%
Non-interest expense (GAAP)			h						$	769					$	618					24		%
Less: Non-interest expense adjustments			b						(34)						(79)						(57)		%
Operating non-interest expense (non-GAAP)			i						$	735					$	539					36		%
Net income (GAAP)			j						$	400					$	239					67		%
Provision for income taxes									130						88						48		%
Income before provision for income taxes									530						327						62		%
Provision for credit losses									55						57						(4)		%
Pre-provision net revenue (PPNR) (non-GAAP)			k						585						384						52		%
Less: Non-interest income adjustments			a						1						(9)						nm
Add: Non-interest expense adjustments			b						34						79						(57)		%
Operating PPNR (non-GAAP)			l						$	620					$	454					37		%
Net income (GAAP)			j						$	400					$	239					67		%
Less: Non-interest income adjustments			a						1						(9)						nm
Add: Non-interest expense adjustments			b						34						79						(57)		%
Tax effect of adjustments									(9)						(9)						—		%
Operating net income (non-GAAP)			m						$	426					$	300					42		%
nm = Percentage changes greater than +/-500% are considered not meaningful and are presented as "nm."

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 25

Columbia Banking System, Inc.
																								GAAP to Non-GAAP Reconciliation - Continued
Average Balances, Earnings Per Share, and Performance Metrics, as adjusted
(Unaudited)
									Six Months Ended												% Change
($ in millions, shares in thousands)									Jun 30, 2026						Jun 30, 2025						Year over Year
Average assets			n						$	65,922					$	51,503					28		%
Less: Average goodwill and other intangible assets, net									2,156						1,487						45		%
Average tangible assets			o						$	63,766					$	50,016					27		%
Average common shareholders' equity			p						$	7,689					$	5,252					46		%
Less: Average goodwill and other intangible assets, net									2,156						1,487						45		%
Average tangible common equity			q						$	5,533					$	3,765					47		%
Weighted average basic shares outstanding			r						288,130						208,964						38		%
Weighted average diluted shares outstanding			s						289,212						209,965						38		%
Select Per-Share & Performance Metrics
Earnings per share - basic			j / r						$	1.39					$	1.14					22		%
Earnings per share - diluted			j / s						$	1.38					$	1.14					21		%
Efficiency ratio (1)			h / f						56.59		%				61.54		%				(4.95)
Non-interest expense to average assets			h/n						2.35		%				2.42		%				(0.07)
Return on average assets			j / n						1.22		%				0.94		%				0.28
Return on average tangible assets			j / o						1.26		%				0.96		%				0.30
PPNR return on average assets			k/n						1.79		%				1.50		%				0.29
Return on average common equity			j / p						10.49		%				9.18		%				1.31
Return on average tangible common equity			j / q						14.58		%				12.80		%				1.78
Operating Per-Share & Performance Metrics
Operating earnings per share - basic			m / r						$	1.48					$	1.44					3		%
Operating earnings per share - diluted			m / s						$	1.47					$	1.43					3		%
Operating efficiency ratio, as adjusted (1)			u / y						53.29		%				53.40		%				(0.11)
Operating non-interest expense to average assets			i/n						2.25		%				2.11		%				0.14
Operating return on average assets			m / n						1.30		%				1.17		%				0.13
Operating return on average tangible assets			m / o						1.35		%				1.21		%				0.14
Operating PPNR return on average assets			l / n						1.90		%				1.78		%				0.12
Operating return on average common equity			m / p						11.17		%				11.52		%				(0.35)
Operating return on average tangible common equity			m / q						15.53		%				16.07		%				(0.54)

(1) Tax-exempt interest was adjusted to a taxable equivalent basis using a 21% tax rate and added to stated revenue for this calculation.

Columbia Banking System, Inc. Reports Second Quarter 2026 Results

July 23, 2026

Page 26

Columbia Banking System, Inc.
GAAP to Non-GAAP Reconciliation - Continued
Operating Efficiency Ratio, as adjusted
(Unaudited)
									Six Months Ended												% change
($ in millions)									Jun 30, 2026						Jun 30, 2025						Year over Year
Non-interest expense (GAAP)			h						$	769					$	618					24		%
Less: Non-interest expense adjustments			b						(34)						(79)						(57)		%
Operating non-interest expense (non-GAAP)			i						735						539						36		%
Less: B&O taxes			t						(7)						(6)						17		%
Operating non-interest expense, excluding B&O taxes (non-GAAP)			u						$	728					$	533					37		%
Net interest income (tax equivalent) (1)			v						$	1,188					$	873					36		%
Non-interest income (GAAP)			d						171						131						31		%
Add: BOLI tax equivalent adjustment (1)			w						6						3						100		%
Total Revenue, excluding BOLI tax equivalent adjustments (tax equivalent)			x						1,365						1,007						36		%
Less: Non-interest income adjustments			a						1						(9)						nm
Total Adjusted Operating Revenue, excluding BOLI tax equivalent adjustments (tax equivalent) (non-GAAP)			y						$	1,366					$	998					37		%
Efficiency ratio (1)			h /f						56.59		%				61.54		%				(4.95)
Operating efficiency ratio, as adjusted (non-GAAP) (1)			u / y						53.29		%				53.40		%				(0.11)
nm = Percentage changes greater than +/-500% are considered not meaningful and are presented as "nm."

(1) Tax-exempt income was adjusted to a taxable equivalent basis using a 21% tax rate and added to stated revenue for this calculation.

2nd Quarter 2026 Earnings Presentation July 23, 2026

Disclaimer FORWARD-LOOKING STATEMENTS This communication may contain certain forward-looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements about the benefits of the acquisition of Pacific Premier Bancorp, Inc. (“Pacific Premier”) by Columbia Banking System, Inc. (“Columbia”) the plans, objectives, expectations and intentions of Columbia and other statements that are not historical facts. Such statements are subject to numerous assumptions, risks, and uncertainties. All statements other than statements of historical fact, including statements about beliefs and expectations, are forward-looking statements. Forward-looking statements may be identified by words such as “expect,” “anticipate,” “believe,” “intend,” “estimate,” “plan,” “believe,” “target,” “goal,” or similar expressions, or future or conditional verbs such as “will,” “may,” “might,” “should,” “would,” “could,” or similar variations. The forward-looking statements are intended to be subject to the safe harbor provided by Section 27A of the Securities Act of 1933, Section 21E of the Securities Exchange Act of 1934, and the Private Securities Litigation Reform Act of 1995. In this presentation we make forward-looking statements about strategic and growth initiatives and the result of such activity. Risks and uncertainties that could cause results to differ from forward-looking statements we make include, without limitation: current and future economic and market conditions, including the effects of declines in housing and commercial real estate prices, high unemployment rates, renewed inflation and any recession or slowdown in economic growth particularly in the western United States; economic forecast variables that are either materially worse or better than end of quarter projections and deterioration in the economy that could result in increased loan and lease losses, especially those risks associated with concentrations in real estate related loans; risks related to our acquisition of Pacific Premier (the "Transaction"), including, among others, (i) any revenue synergies from the Transaction may not be fully realized or may take longer than anticipated to be realized, and (ii) deposit attrition as a result of the Transaction; the impact of proposed or imposed tariffs by the U.S. government and retaliatory tariffs proposed or imposed by U.S. trading partners that could have an adverse impact on customers; our ability to effectively manage problem credits; the impact of bank failures or adverse developments at other banks on general investor sentiment regarding the liquidity and stability of banks; changes in interest rates that could significantly reduce net interest income and negatively affect asset yields and valuations and funding sources; changes in the scope and cost of FDIC insurance and other coverage; our ability to successfully implement efficiency and operational excellence initiatives; our ability to successfully develop and market new products and technology; changes in laws or regulations; potential adverse reactions or changes to business or employee relationships; the effect of geopolitical instability, including wars, conflicts and terrorist attacks; and natural disasters and other similar unexpected events outside of our control. We also caution that the amount and timing of any future common stock dividends or repurchases will depend on the earnings, cash requirements and financial condition of Columbia, market conditions, capital requirements, applicable law and regulations (including federal securities laws and federal banking and state regulations), and other factors deemed relevant by Columbia's Board of Directors. NON-GAAP FINANCIAL MEASURES In addition to results presented in accordance with GAAP, this presentation contains certain non-GAAP financial measures. A reconciliation of GAAP to non-GAAP measures is included in the Appendix. The Company believes presenting certain non-GAAP financial measures provides investors with information useful in understanding our financial performance, our performance trends, and our financial position. We utilize these measures for internal planning and forecasting purposes, and operating pre-provision net revenue and operating return on tangible common equity are also used as part of our incentive compensation program for our executive officers. We, as well as securities analysts, investors, and other interested parties, also use these measures to compare peer company operating performance. We believe that our presentation and discussion, together with the accompanying reconciliations, provides a complete understanding of factors and trends affecting our business and allows investors to view performance in a manner similar to management. These non-GAAP measures should not be considered a substitution for GAAP basis measures and results, and we strongly encourage investors to review our consolidated financial statements in their entirety and not to rely on any single financial measure. Because non-GAAP financial measures are not standardized, it may not be possible to compare these financial measures with other companies’ non-GAAP financial measures having the same or similar names. 2

Table of Contents 3 Page Columbia Corporate Overview 4 2nd Quarter 2026 8 Appendix 22 Loan Portfolio Slides 23 Liquidity Overview 27 Securities Portfolio 28 Summary Income Statements 29 Summary Balance Sheets 30 Non-GAAP Reconciliations 31

West-Focused Regional Powerhouse 4 Completed Western Footprint(3) Why Columbia? ■ Business Bank of Choice strategy cultivates a granular, low-cost core deposit base ■ Compelling culture and Community Banking at Scale business model foster deep community ties while also attracting and retaining top banking talent ■ Scaled western franchise is difficult to replicate and provides scarcity value ■ Opportunity to organically gain share in California and growing metros in the West while increasing density in the Northwest ■ Strong credit quality is supported by a diversified, well-structured, and conservatively underwritten loan portfolio ■ Solid capital generation supports long-term organic growth and return to shareholders Columbia at a Glance C or po ra te Ticker COLB Market Capitalization(1) $9.2 billion Dividend Yield(1) 4.5% Fi na nc ia ls a s of J un e 30 , 2 02 6 Assets $65.4 billion Loans $47.2 billion Deposits $52.1 billion Common Equity Tier 1 Capital Ratio(2) 11.6% Total Capital Ratio(2) 13.4% (1) Market data as of July 22, 2026. (2) Regulatory capital ratios are estimates pending completion and filing of Columbia’s regulatory reports. (3) Columbia is headquartered in Tacoma, Washington and operates 350 branches throughout the Western United States, as well as a Homeowners Association (“HOA”) office in Texas (not pictured).

Operating in Large, Attractive Western Markets 5 Established Presence throughout the West(1) Northwest (population in millions) Seattle, WA Portland, OR California and Nevada Los Angeles, CA Sacramento, CA Other West Phoenix, AZ Denver, CO 4.2mm 2.5mm 12.9mm 2.5mm 5.3mm 3.0mm Top Regional Bank in Northwest (WA, OR, ID)(1) Total Northwest Rank Bank (HQ State) Assets ($B) Deposits ($B) Mkt Shr 1 Bank of America (NC) $3,496 $58 16.5 % 2 U.S. Bancorp (MN) 701 51 14.4 % 3 JPMorgan (NY) 4,900 44 12.4 % 4 Wells Fargo (CA) 2,206 40 11.3 % 5 COLB (WA) 66 35 9.8 % 6 KeyCorp (OH) 189 19 5.3 % 7 WaFd (WA) 28 13 3.6 % 8 Banner Corp. (WA) 18 12 3.4 % 4th Largest Regional Bank HQ’d in Footprint(1) Total Eight-State Footprint Rank Bank (HQ State) Assets ($B) Deposits ($B) Mkt Shr 1 Western Alliance (AZ) $99 $70 1.9 % 2 Zions (UT) 88 59 1.6 % 3 East West (CA) 83 51 1.4 % 4 COLB (WA) 66 56 1.5 % 5 Banc of California (CA) 35 22 0.6 % 6 WaFd (WA) 28 19 0.5 % 7 Cathay General (CA) 24 16 0.4 % 8 Mechanics (CA) 21 19 0.5 % Strong Foothold in Attractive Markets(1) ■ Our market share in the Northwest stands with large national and super regional banks, at nearly 10% ■ Our foothold in top western markets and scaled franchise provide us the opportunity to increase share in California, Arizona, Colorado, and Utah ■ Densely populated metropolitan areas provide opportunity for our bankers to take market share as we grow where businesses are growing ■ Current household income in our footprint is 110% of the national average, and the five-year growth rate of 13.0% compares favorably to 11.3% nationally Boise, ID Salt Lake City, UT Las Vegas, NV 0.9mm 2.4mm 1.3mm (1) Population, household income, and asset data sourced from S&P Global Market Intelligence. Total assets as of March 31, 2026 and adjusted to a pro forma basis for recently closed acquisitions, if applicable. Deposits and market share data sourced from the Federal Deposit Insurance Corporation (“FDIC”) as of June 30, 2025 and adjusted to a pro forma basis. Groups represent banks headquartered in the United States, and money center banks are excluded from the footprint analysis (bottom table).

Population Deposits ($mm) COLB MSA(1) (000s) Market COLB Mkt Shr Seattle 4,201 $140,795 $7,662 5.4 % Portland 2,547 65,434 5,513 8.4 % Boise 868 17,945 224 1.3 % Spokane 608 14,405 4,045 28.1 % Opportunity to Increase Density and Gain Share throughout Our Footprint 6 Improve Competitive Position in California Broaden Presence in Other Western MarketsEnhance Density in the Northwest Population Deposits ($mm) COLB MSA(1) (000s) Market COLB Mkt Shr Phoenix 5,286 $180,133 $209 0.1 % Denver 3,080 107,870 58 0.1 % Salt Lake City 1,316 85,459 21 <0.1% Las Vegas 2,444 81,196 98 0.1 % Population Deposits ($mm) COLB MSA(1) (000s) Market COLB Mkt Shr Los Angeles 12,907 $651,914 $10,190 1.6 % Sacramento 2,472 94,585 1,884 2.0 % San Francisco 4,643 456,511 480 0.1 % San Diego 3,304 107,742 873 0.8 % (1) Population, deposit, and market share data sourced from S&P Global Market Intelligence. Deposits and market share data as of June 30, 2025, and adjusted to a pro forma basis by S&P.

Leveraging Technology to Improve Collaboration and Performance 7 Enhancing the Customer Experience Driving Revenue GenerationCreating Operational Efficiencies ■ Building upon our recently acquired, best- in-class API marketplace to expand our embedded banking capabilities ■ Enhancing relationship banking with AI- powered "Smart Leads” provides opportunities to generate fee income through predictive analytics ■ Continuing to invest in new payment technologies, including instant payment platforms, integrated receivables and payables, and Zelle for Business ■ Deploying digital international banking solutions, including an online foreign exchange portal for real time FX quotes and trades ■ Offering differentiated small business and commercial online banking platforms by integrating technologies ■ Enhancing fraud protection and prevention measures to minimize customer losses, reduce customer friction, and increase core fee income for the bank ■ Updating our online account opening process to make it easier and more convenient for customers ■ Strengthening our bank security and risk management with advanced authentication technology to safeguard our customers across digital platforms ■ Embracing AI capabilities to improve associate productivity ■ Accelerating application development through automation of code generation, debugging, and documentation ■ Deploying AI-powered virtual assistants to augment human agents in our contact center ■ Automating tasks and streamlining operations to enhance efficiency and improve the customer experience; our goal is to be the most convenient bank for our associates (internally) and our customers (externally) Our customer-focused technology stack is built on resilient, scalable, and secure systems to advance our Business Bank of Choice operating strategy. We embrace technology to not only create operational efficiencies, but also to support an elevated customer experience and to drive additional revenue opportunities through needs-based solutions.

2nd Quarter 2026 8

YTD 2026 Performance Highlights 9 ■ We continue to focus on operational enhancements, including balance sheet optimization, growing sustainable core fee income, and maintaining our cost-conscious culture and disciplined credit standards, in pursuit of consistent, repeatable returns and top-quartile performance. ■ All organizational changes and cost-related synergies associated with our acquisition of Pacific Premier were essentially complete as of June 30, 2026. ■ Treasury management and card-based fees increased 22% and 19%, respectively, for the six months ended June 30, 2026, compared to the six months ended June 30, 2025, due to the addition of customers from Pacific Premier and new customer acquisition, as we focus on balanced growth across new relationships. Other key contributors to core fee income, like international banking revenue and financial services and trust revenue, also expanded notably between periods, rising 11% and 173%, respectively. ■ Our first small business and retail campaign of 2026, which began in February and ended April 30, 2026, brought over $600 million in new deposits to the bank and also was successful in generating new SBA lending relationships. Our second campaign began in June and has generated approximately $650 million in new deposit balances through mid-July. Reported Operating(1) $400 million $426 million Net Income Net Income $585 million $620 million Pre-Provision Net Revenue(1) Pre-Provision Net Revenue $1.38 $1.47 Earnings-per-Share - Diluted Earnings-per-Share - Diluted 1.22% 1.30% Return on Assets Return on Assets 1.79% 1.90% PPNR Return on Assets(1) PPNR Return on Assets 10.49% 11.17% Return on Equity Return on Equity 14.58% 15.53% Return on Tangible Common Equity(1) Return on Tangible Common Equity (1) Non-GAAP financial measure. A reconciliation to the comparable GAAP measurement for each is provided in the Appendix of this slide presentation. (2) Regulatory capital ratios are estimates pending completion and filing of Columbia’s regulatory reports.

Second Quarter 2026 Performance Highlights 10 ■ During the second quarter, we opened a branch in Colorado Springs and a financial hub in Las Vegas. We continue to strategically expand and refine our physical footprint to support relationship- driven growth, while funding these initiatives through targeted real estate optimization and other efficiency improvements. ■ Columbia repurchased 6.6 million common shares under its current repurchase plan during Q2 2026, returning $199 million in capital to our shareholders beyond our regular quarterly dividend. Our existing share repurchase authorization had $202 million remaining as of June 30, 2026. ■ Launched a new integrated payments and cash-flow platform within Business Online Banking, purpose-built for our small business customers. The solution streamlines day-to-day administrative payment processes into a single digital experience, reflecting our continued focus on tailored, customer-centric solutions rather than one-size-fits-all services. ■ Recognized with two 2026 Best Bank honors by Crisil Coalition Greenwich for Middle Market Banking in the U.S. West region— Satisfaction in Cash Management and Satisfaction with Relationship Manager—reflecting strong customer feedback and continued strength in our middle-market commercial banking franchise. Reported Operating(1) $208 million $217 million Net Income Net Income $302 million $314 million Pre-Provision Net Revenue(1) Pre-Provision Net Revenue $0.73 $0.76 Earnings-per-Share - Diluted Earnings-per-Share - Diluted 1.27% 1.33% Return on Assets Return on Assets 1.85% 1.92% PPNR Return on Assets(1) PPNR Return on Assets 10.99% 11.46% Return on Equity Return on Equity 15.29% 15.95% Return on Tangible Common Equity(1) Return on Tangible Common Equity (1) Non-GAAP financial measure. A reconciliation to the comparable GAAP measurement for each is provided in the Appendix of this slide presentation.

Net Income and Earnings-per-Share 11 $ in m ill io ns Net Income $152 $96 $215 $192 $208 $160 $204 $243 $209 $217 GAAP Net Income Operating Net Income¹ Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 ■ Columbia reported net income and EPS of $208 million and $0.73, respectively, for Q2 2026. On an operating basis,(1) net income and EPS were $217 million and $0.76, respectively. ■ The increase from Q1 2026 was driven by higher noninterest income, disciplined expense management, the realization of acquisition-related cost savings, and the benefit of share repurchase activity. ■ Net interest income declined modestly between periods, due in part to $4 million of interest income impacts detailed on the Net Interest Income slide and modest balance sheet deleveraging. ■ We continued to make progress on our balance sheet optimization objectives during Q2 2026, driven by relationship-based commercial loan growth and active management of our funding base. (1) Non-GAAP financial measure. A reconciliation to the comparable GAAP measurement is provided at the end of this slide presentation. Non-operating items include gain (loss) on investment securities, gain (loss) on swap derivatives, gain (loss) on loans held for investment at fair value, change in fair value of MSR due to valuation inputs or assumptions, MSR hedge gain (loss), merger and restructuring expense, exit and disposal costs, an FDIC special assessment, a legal settlement, and other non-operating expenses. These items are detailed in the “Non-GAAP Reconciliation” section of the Appendix. Earnings-per-Share - diluted (“EPS”) $0.73 $0.40 $0.72 $0.66 $0.73$0.76 $0.85 $0.82 $0.72 $0.76 GAAP EPS - diluted Operating EPS - diluted¹ Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026

Key Earnings Drivers: Balance Sheet (1) Non-GAAP financial measure. A reconciliation to the comparable GAAP measurement is provided in the appendix of this slide presentation. (2) Regulatory capital ratios are estimates pending completion and filing of Columbia’s regulatory reports. % Change ($ in millions, except per-share data) Q2 2026 Q1 2026 Q2 2025 Sequ. Quarter Year over Year AVERAGE ASSETS: Interest-bearing cash and temporary investments $1,402 $1,578 $1,421 (11.2) % (1.3) % Investment securities 11,392 11,350 8,735 0.4 % 30.4 % Loans and leases, gross 47,419 47,714 37,648 (0.6) % 26.0 % Total interest-earning assets 60,279 60,831 47,871 (0.9) % 25.9 % AVERAGE LIABILITIES AND EQUITY: Deposits, excluding brokered time deposits $52,029 $52,225 $39,167 (0.4) % 32.8 % Brokered time deposits + Borrowings 4,600 4,709 5,690 (2.3) % (19.2) % Total shareholders' equity 7,594 7,786 5,287 (2.5) % 43.6 % RATIOS AND PER-SHARE METRICS: Dividend per-common share $0.37 $0.37 $0.36 — % 2.8 % Percentage of common shares repurchased during quarter 2.3 % 2.2 % — % 0.10 2.30 Book value per common share $26.70 $26.47 $25.41 0.9 % 5.1 % Tangible book value per common share(1) $19.22 $19.03 $18.47 1.0 % 4.1 % Common equity to assets ratio 11.6% 11.6% 10.3% — 1.30 Tangible common equity to tangible assets ratio(1) 8.6% 8.6% 7.7% — 0.90 Common equity tier 1 ratio(2) 11.6% 11.7% 10.8% (0.10) 0.80 Total risk-based capital ratio(2) 13.4% 13.5% 13.0% (0.10) 0.40 12 Q2 2026 Highlights (compared to Q1 2026) ■ Balance sheet optimization continued to drive minor contraction in average interest- earning assets to $60.3 billion for Q2 2026. ■ Average loan balances contracted modestly during Q2 2026 to $47.4 billion, as runoff in the transactional portfolio and other commercial real estate was not fully offset by commercial loan growth. ■ We continue to actively manage our funding base, reducing overall wholesale funding while optimizing the mix toward lower-cost sources. On an average basis, brokered time deposits and borrowings declined by 2.3% during Q2 2026. ■ Excluding brokered time deposits, average deposits contracted modestly, due to early- quarter declines related to seasonal tax payments. ■ We bought back 2.3% of outstanding common shares during the quarter.

Net Interest Income and Net Interest Margin Net Interest Income and Net Interest Margin $446 $505 $627 $594 $589 3.75% 3.84% 4.06% 3.96% 3.93% Net Interest Income ($ in millions) Net Interest Margin Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Net Interest Margin: Q1 2026 vs Q2 2026 3.96% (0.03)% 0.01% (0.04)% 0.09% (0.06)% 3.93% Q1 2026 Reported Interest Reversals¹ Loans¹ Invest- ments Deposits Term Debt Q2 2026 Reported 13 ■ Net interest margin decreased 3 basis points from the prior quarter to 3.93% for Q2 2026. Interest income reversals reduced net interest income by $4 million and the net interest margin by 3 basis points during Q2 2026. Excluding this impact, net interest margin was consistent between periods, as higher yields on loans and leases partially offset a lower yield on taxable securities, driven by changes in prepayment speed expectations. Improved funding costs also contributed favorably to the net interest margin. ■ The cost of interest-bearing deposits decreased 8 basis points from the prior quarter to 1.96% for Q2 2026, compared to 1.95% for the month of June and 1.94% as of June 30, 2026. The decrease reflects our active management of deposit rates and a lower mix of higher-cost brokered deposits. ■ The cost of interest-bearing liabilities decreased 3 basis points from the prior quarter to 2.21% for Q2 2026, compared to 2.22% for the month of June and 2.21% as of June 30, 2026. (1) Net interest margin for Q2 2026 includes the impact of interest income reversals, which reduced the net interest margin by 3 basis points. This impact is presented in “Interest Reversals,” and “Loans” is presented excluding this impact.

Select Asset and Liability Maturity and Repricing Schedules (in Months) at June 30, 2026 ($ in millions) <=3 4 to 6 7 to 12 13 to 24 25 to 36 >36 Total % Total(3) Loans Fixed (maturity)(2) $453 $194 $535 $913 $1,150 $11,801 $15,046 32% Floating (repricing)(2) 15,930 — — — — — 15,930 33% Adjustable (repricing) 1,791 1,491 2,092 1,790 2,840 6,701 16,705 35% Total Loans $18,174 $1,685 $2,627 $2,703 $3,990 $18,502 $47,681 100% Time deposits (maturity)(4) $2,447 $1,920 $465 $76 $9 $21 $4,938 Average rate(4) 3.19% 3.02% 2.05% 0.33% 0.37% 0.23% 2.96% Term debt (maturity) $4,250 $— $— $— $— $— $4,250 Average rate 3.90% 3.90% Interest Rate Sensitivity 14 Note: Tables may not foot due to rounding. Loan totals on this slide do not include purchase accounting adjustments. Deferred fees and costs also drive variances between loan totals on this slide and loan totals in the earnings press release. (1) For the scenarios shown, the interest rate simulations assume a parallel and sustained shift in market interest rates ratably over a twelve-month period (ramp) or immediately (shock). The simulation repricing betas applied to interest-bearing deposits in the rising rate and declining rate scenarios are 49% and 49%, respectively, for June 30, 2026. Additional data related to interest rate simulations are available in Columbia’s Annual Report on Form 10-K for the fiscal year ended December 31, 2025. (2) Commercial tranche loans that mature in one month are included in the floating rate loan category, not the fixed rate loan category, as these loans reprice in a manner similar to floating rate loans. (3) Floating rate loans are indexed to prime (9% of the total loan portfolio) and 1-month underlying interest rates (25% of the total loan portfolio). When adjustable rate loans reprice, they are indexed to interest rates that span 1-month tenors to 10-year tenors as well as the prime rate; the most prevalent underlying index rates are 6-month tenors (17% of the total loan portfolio), 1-year tenors (8% of the portfolio), and 5-year tenors (7% of the total loan portfolio). (4) Time deposits maturing in 3 months or less include $2.1 billion in customer CDs at an average rate of 3.07% and $350 million in brokered CDs at an average rate of 3.90%. (5) Deposit and funding repricing beta data present combined company results as if historical Columbia and historical Umpqua Holdings Corporation were one company for all periods through December 31, 2022; subsequent time periods present data on a legal basis given the merger. The beta presentation is calculated in this manner for comparison purposes. (6) The cost of interest-bearing deposits, total deposits, and total funding for the three months ended December 31, 2025 is calculated excluding a $12 million benefit related to the amortization of a premium on acquired time deposits. On a reported basis, which includes the benefit of the premium amortization, the cost of these items was 2.08%, 1.40%, and 1.57%. This benefit to net interest income did not repeat after the three months ended December 31, 2025. Interest Rate Simulation Impact on Net Interest Income at June 30, 2026(1) Ramp Shock Year 1 Year 2 Year 1 Year 2 Up 200 basis points 0.0% 3.4% 0.7% 5.4% Up 100 basis points 0.0% 1.7% 0.4% 2.7% Down 100 basis points 0.2% (1.5)% (0.1)% (2.5)% Down 200 basis points 1.5% (2.1)% 1.0% (4.2)% Down 300 basis points 4.1% (2.0)% 3.3% (5.5)% Deposit and Funding Repricing Betas During Current Rate Cycle Effective Fed Funds Rate (Daily Avg.) Cost of: Three Months Ended Interest- Bearing Deposits Total Deposits Total Funding December 31, 2021(5) 0.08% 0.10% 0.05% 0.09% December 31, 2022(5) 3.65% 0.62% 0.35% 0.51% December 31, 2023 5.33% 2.54% 1.63% 2.05% June 30, 2024 5.33% 2.97% 2.01% 2.34% Variance: Q2 2024 less Q4 2021 5.25% 2.87% 1.96% 2.25% Repricing Betas: Rising Rate Cycle 55% 37% 43% December 31, 2024 4.66% 2.66% 1.80% 2.09% December 31, 2025(6) 3.90% 2.20% 1.48% 1.65% June 30, 2026 3.63% 1.96% 1.32% 1.55% Variance: Q2 2026 less Q2 2024 (1.70)% (1.01)% (0.69)% (0.79)% Repricing Betas: Declining Rate Cycle-to-Date 59% 41% 47%

Non-Interest Income 15 $ in m ill io ns Total Non-Interest Income $65 $77 $90 $83 $88 $66 $72 $88 $81 $91 GAAP Non-Interest Income Operating Non-Interest Income¹ Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 ■ Non-interest income for Q2 2026 increased $5 million from the prior quarter. Operating non-interest income(1) increased $10 million from the prior quarter to $91 million, due primarily to higher treasury management and card-based fees. We also received $3 million in death benefit proceeds during Q2 2026 related to a single policy, which was recorded in other income. ■ Our Business Bank of Choice strategy incorporates a collaborative team approach to deliver needs-based solutions to our customers, which deepens relationships and provides growth in sustainable core fee income. Our trends reflect a growing contribution from treasury management, card & merchant activity, wealth management, and other product revenue over the trailing 12 months. $ in m ill io ns Operating Non-Interest Income¹ $66 $72 $88 $81 $91 Other Treasury Mgmt Card & Merchant Wealth Mgmt Deposit Services Mortgage Loan Income Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 (1) Non-GAAP financial measure. A reconciliation to the comparable GAAP measurement is provided at the end of this slide presentation. Non-operating non-interest income items include gain (loss) on investment securities, gain (loss) on swap derivatives, gain (loss) on loans held for investment at fair value, change in fair value of MSR due to valuation inputs or assumptions, and MSR hedge gain (loss). These items are detailed in the “Non-GAAP Reconciliation” section of the Appendix.

Non-Interest Expense 16 $ in m ill io ns Non-Interest Expense ("NIE") $278 $393 $412 $394 $375 $270 $307 $373 $369 $366 GAAP Non-Interest Expense Operating Non-Interest Expense¹ Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 ■ Non-interest expense for Q2 2026 decreased $19 million from the prior quarter, due to lower merger expense. Operating non-interest expense(1) decreased $3 million from the prior quarter to $366 million, due to cost savings related to the Pacific Premier acquisition. ■ Our cost-conscious culture provides expense offsets to continued investment in customer-focused technology, experienced bankers, and strategic locations. These investments create operational efficiency and bring additional revenue opportunities to the bank in support of our Business Bank of Choice strategy. $ in m ill io ns Non-Interest Expense: Q1 2026 vs Q2 2026 $394 $(5) $2 $(2) $(2) $4 $(16) $375 Q1 2026 NIE Payroll Taxes Annual Merit Increase Software Costs Intangible Amort. Misc. Other Non- operating¹ Q2 2026 NIE (1) Non-GAAP financial measure. A reconciliation to the comparable GAAP measurement is provided at the end of this slide presentation. Non-operating expense items include merger and restructuring expense, exit and disposal costs, an FDIC special assessment, a legal settlement, and other non-operating expenses. These items are detailed in the “Non-GAAP Reconciliation” section of the Appendix.

Continued Strong Credit Quality Provision Expense, Net Charge-Offs to Average Loans, and Nonperforming Assets to Total Assets $30 $— $23 $28 $27 $70 0.31% 0.22% 0.25% 0.30% 0.25% 0.35% 0.29% 0.30% 0.40% 0.42% Provision Expense ($mm) Acquisition-Related Provision Expense ($mm)¹ Net Charge-Offs / Average Loans (annualized) Non-Performing Assets / Total Assets Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 17 Allowance for Credit Losses ("ACL") $439 $492 $485 $478 $475 $52 $157 $144 $133 $120 1.17% 1.01% 1.02% 1.00% 1.01% 1.31% 1.34% 1.32% 1.28% 1.26% ACL ($mm) Credit Discount ($mm) ACL / Total Loans and Leases ACL + Credit Discount / Total Loans and Leases Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 ■ The remaining credit discount on loans of $120 million as of June 30, 2026 provides an additional 25 basis points of loss absorption when added to the ACL of $475 million. ■ Net charge-offs in the FinPac portfolio were $15 million in Q2 2026, compared to $14 million in Q1 2026. Net charge-offs excluding the FinPac portfolio were $15 million, or 0.13% of average bank loans, in Q2 2026, compared to $21 million, or 0.19% of average bank loans, in Q1 2026. ■ Nonperforming loans of $268 million as of June 30, 2026 include $78 million of loans with government guarantees. (1) Acquisition-related provision expense of $70 million was booked in Q3 2025, related to non-purchased credit deteriorated (“PCD”) loans and unfunded commitments acquired during Q3 2025. Non-acquisition-related provision expense was $0 for Q3 2025.

ACL Reflects Strong Portfolio Credit Metrics (1) Total includes reserve for unfunded commitments of $17 million and $19 million as of June 30, 2026 and March 31, 2026, respectively. 18 ■ Our reserve coverage by loan segment and for the overall loan and lease portfolio reflects our robust underwriting criteria and ongoing, routine portfolio monitoring activities. For example, we stress applicable variables, such as interest rates, cash flows, and occupancy, at inception and loan review and limit borrower proceeds as a result. These factors contribute to lower LTVs and higher DSC ratios, which are taken into consideration in the estimation of our ACL. ■ The quarter’s provision expense of $27 million reflects loan portfolio runoff, credit migration trends, charge-off activity, and changes in the economic forecasts used in credit models. We used components of Moody’s Analytics’ May 2026 consensus economic forecast and Moody’s Analytics’ May 2026 S2 scenario to estimate our ACL as of June 30, 2026. Allowance for Credit Losses by Loan Segment ($ in millions) Commercial Lease & Equipment Commercial Real Estate Residential & Home Equity Consumer Total(1) Remaining Credit Discount on Loans Total ACL including Credit Discount on Loans(1) Balance as of March 31, 2026 $122 $92 $223 $34 $7 $478 $133 $611 Q2 2026 Net charge-offs (13) (15) (1) — (1) (30) Q2 2026 Reserve build (release) 17 17 4 (12) 1 27 Balance as of June 30, 2026 $126 $94 $226 $22 $7 $475 $120 $595 % of Loans and leases outstanding 1.17% 5.82% 0.84% 0.29% 3.90% 1.01% 1.26%

Capital Management 19 Regulatory Capital Ratios: Bank & Holding Company as of June 30, 2026 9.7% 12.1% 12.1% 13.0% 9.3% 11.6% 11.6% 13.4% Columbia Bank Columbia Banking System Tier 1 Leverage CET1 Tier 1 Capital Total Risk-Based —% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% ■ Columbia remains above current “well-capitalized” regulatory minimums and our long-term target ratios. ■ Columbia repurchased 6.6 million common shares under its current repurchase plan at an average price of $29.93 during the three months ended June 30, 2026, representing 2.3% of outstanding common shares. ■ We expect to organically generate capital above what is required to support prudent growth and our regular dividend. We intend to continue returning excess capital to our shareholders through our existing share repurchase authorization, which had $202 million remaining as of June 30, 2026. We regard share repurchases as an additional tool to prudently and proactively manage our capital ratios in 2026 and beyond. Note: Columbia Bank and Columbia Banking System, Inc. long-term capital ratio targets reflect a targeted excess level of capital above regulatory well-capitalized minimums inclusive of the capital conservation buffer (“CCB”) where applicable. The minimum capital ratios to be considered well capitalized inclusive of the CCB are 7.0%, 8.5%, and 10.5% for the common equity tier 1 (“CET1”) ratio, tier 1 capital ratio, and total risk-based capital ratio, respectively. The CCB does not apply to the tier 1 leverage ratio, which has a well-capitalized minimum level of 5.0%. All regulatory capital ratios as of June 30, 2026 are estimates pending completion and filing of Columbia’s and Columbia Bank’s regulatory reports. Capital Deployment Supports Active Ratio Management 10.8% 11.6% 11.8% 11.7% 11.6% 13.0% 13.4% 13.6% 13.5% 13.4% COLB: CET1 Ratio COLB: Total RBC Ratio 6/30/2025 9/30/2025 12/31/2025 3/31/2026 06/30/2026 —% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 12% Long-Term Target 10% Long-Term Target 9% Long-Term Target 6.5% Long-Term Target

Diversified, High Quality Loan and Lease Portfolio $47,697 $1,303 ($250) ($1,612) $28 $47,166 3/31/2026 Balance New Orig. Net Advances/ (Payments) Prepays/ Payoffs Other 6/30/2026 Balance 20 Mortgage, 11% FinPac, 3% C&I, 23% Owner Occupied CRE, 16% Non-OO CRE, 16% Multifamily, 22% Other Loan Categories, 9% Q2 2026 Activity ($ millions) Other, 18% Puget Sound, 16% WA Other, 6% Portland Metro, 11% OR Other, 11% Bay Area, 6% Northern CA, 8% Southern CA, 24% Geographic Distribution ■ Loans and leases were $47.2 billion as of June 30, 2026, compared to $47.7 billion as of March 31, 2026, as commercial loan growth only partially offset runoff in below-market rate transactional loans and lower balances in non-owner occupied commercial real estate given elevated payoffs.(1) ■ Commercial loans, inclusive of owner-occupied commercial real estate (“CRE”), increased by 5% on an annualized basis relative to March 31, 2026, contributing to the continued remix of our loan portfolio toward higher-return, relationship-based lending. ■ New loan origination volume for Q2 2026 was $1.3 billion, in line with last quarter’s strong production and up 25% relative to Q2 2025, reflecting increased customer activity and the addition of bankers from Pacific Premier. Loan Composition $47.2 Billion $47.2 Billion Note: Totals may not foot due to rounding. (1) See the Appendix of this slide presentation for additional details related to the below-market rate transactional loan portfolio.

Our Diversified Commercial Bank Business Model with a Strong Retail Network Supports our Granular, High-Quality Deposit Base Non-interest, 33% Demand, 21% Money Market, 32%Savings, 5% Time, 9% Enterprise-wide Deposit Composition 21 ■ Deposits were $52.1 billion as of June 30, 2026 and represented by a granular base that is diversified by business line, industry, and geography. Our average customer account balance is $43 thousand.(1) ■ Our use of public and brokered deposits as a source of funding beyond term debt impacts the composition of our enterprise-wide deposit portfolio. We believe our customer deposit composition(1) is more illustrative of the quality of Columbia’s core deposit franchise. Our bankers’ activity is geared toward protecting the quality of our relationship-based franchise while generating net customer balance growth to reduce the need for non- core funding sources over time. Commercial, 31% Commercial - Small Business, 25% Consumer, 37% Brokered, 2% Public & Other, 5% Deposits by Category Customer Deposit Composition(1) Non-interest, 34% Demand, 21% Money Market, 31%Savings, 5% Time, 9% (1) Excludes all public, administrative, and brokered deposits, as detailed on the “Liquidity Overview” slide in the Appendix. Excluded balances accounted for 7% of total deposits as of June 30, 2026. This is a non-GAAP financial measure. $52.1 Billion $52.1 Billion $48.2 Billion

Appendix 22 Page Loan Portfolio Slides 23 Liquidity Overview 27 Securities Portfolio 28 Summary Income Statements 29 Summary Balance Sheets 30 Non-GAAP Reconciliations 31

Granular Loan and Lease Portfolios with Strong Underlying Fundamentals Note: Portfolio statistics and delinquencies as of June 30, 2026. Annualized net charge-off rates for Q2 2026. Loan-to-value (“LTV”), FICO, and debt service coverage (“DSC”) ratios are based on weighted averages for portfolios where data are available. LTV represents average LTV based on most recent appraisal against updated loan balance. Totals may not foot due to rounding. ■ Portfolio average loan size of $465,000 ■ 2Q26 average loan size of $377,000 ■ Total delinquencies of 1.52% ■ Annualized net charge-off (recovery) rate of 0.00% ■ Portfolio average FICO of 760 and LTV of 60% ■ 2Q26 average FICO of 762 and LTV of 64% Non-owner Occupied CRE ■ Portfolio average loan size of $1.8 million ■ 2Q26 average loan size of $1.5 million ■ Total delinquencies of 0.66% ■ Annualized net charge-off (recovery) rate of 0.00% ■ Portfolio average LTV of 49% and DSC of 1.82 ■ 2Q26 average LTV of 56% and DSC of 1.51 Commercial & Industrial ■ Portfolio average loan size of $821,000 ■ 2Q26 average loan size of $977,000 ■ Total delinquencies of 0.97% ■ Annualized net charge-off (recovery) rate of 0.53% Multifamily ■ Portfolio average loan size of $2.3 million ■ 2Q26 average loan size of $1.5 million ■ Total delinquencies of 0.17% ■ Annualized net charge-off (recovery) rate of 0.00% ■ Portfolio average LTV of 54% and DSC of 1.57 ■ 2Q26 average LTV of 43% and DSC of 2.00 Owner Occupied CRE ■ Portfolio average loan size of $1.2 million ■ 2Q26 average loan size of $3.0 million ■ Total delinquencies of 0.91% ■ Annualized net charge-off (recovery) rate of 0.02% ■ Portfolio average LTV of 56% ■ 2Q26 average LTV of 79% Lease & Equipment Finance (FinPac) ■ Portfolio average loan & lease size of $41,000 ■ 2Q26 average loan & lease size of $54,000 ■ Total delinquencies of 2.96% ■ Annualized net charge-off (recovery) rate of 3.76% ■ Portfolio average yield: ~10% Mortgage 23

C&I and CRE Portfolio Composition Agriculture, 8.7% Contractors, 8.2% Finance/ Insurance, 8.1% Manufacturing, 7.7% Professional, 3.7% Public Admin, 5.6% Rental & Leasing, 6.1% Retail, 3.7% Support Services, 4.4% Transportation/ Warehousing, 7.2% Wholesale, 6.5% Gaming, 7.3% Dentists, 4.9% Other Healthcare, 4.6% Franchise/ QSR, 2.8% Other, 10.5% Office, 13.8% Multifamily, 40.4% Industrial, 14.9% Retail, 9.7% Special Purpose, 7.4% Hotel/Motel, 3.7% Other, 10.1% CRE Portfolio Composition(1)C&I Portfolio Composition(1) Note: Data as of June 30, 2026.Totals may not foot due to rounding. QSR = Quick service restaurants. (1) C&I portfolio composition includes term, lines of credit & other, and leases & equipment finance balances. CRE portfolio composition includes non-owner occupied term and owner occupied term balances as well as multifamily balances. (2) Owner occupied and non-owner occupied disclosure relates to commercial real estate portfolio excluding multifamily loans. 49% Owner Occupied / 51% Non-Owner Occupied(2)Commercial Line Utilization: 39% 24 $12.4 Billion $25.1 Billion

Balance Sheet Optimization: Below-Market-Rate Transactional Loans to Reprice or Run-Off 25 Below-Market-Rate Transactional Loan Balances & Repricing Schedule as of June 30, 2026 March 31, 2026 < 1 year 1 to 2 years 2 to 3 years > 3 years Total Total ($ in millions) Balance Rate Balance Rate Balance Rate Balance Rate Balance Rate Balance Rate Transactional Loans(1), (2) Non-owner occupied CRE $176 5.50% $56 4.98% $45 4.58% $144 4.35% $421 4.94% $511 4.75% Multifamily 2,491 4.58% 588 3.94% 1,064 3.59% 844 3.91% 4,987 4.18% 5,101 4.11% Residential mortgage 309 4.30% 265 4.02% 246 3.84% 1,125 3.70% 1,946 3.86% 2,010 3.86% Total Transactional Loans $2,977 4.60% $909 4.03% $1,354 3.67% $2,113 3.83% $7,354 4.14% $7,621 4.09% Non-transactional loans and leases 40,327 40,646 Total Loans and Leases $47,681 $48,267 Prioritizing Relationships & Profitability ■ Our relationship-based lending verticals and a strong core deposit base remain the cornerstone of our franchise. Past transactional lending and the wholesale sources that fund these assets have muted the balance sheet’s profitability, but they have not diluted the quality of our core franchise. ■ As below-market-rate transactional loans reach their repricing date, our profitability will improve, as loans will either reprice higher and remain on balance sheet or refinance elsewhere, exiting the balance sheet, with proceeds used to reduce higher-cost funding. ■ Current interest rates make outright asset sales unattractive given a lengthy payback period. However, longer term, we may sell loans opportunistically if payback periods are short and align with value preservation and creation. Note: Tables may not foot due to rounding. Loan totals on this slide do not include purchase accounting adjustments. Deferred fees and costs also drive variances between loan totals on this slide and loan totals in the earnings press release. (1) Below-market-rate transactional loans are defined as loans where the customer relationship had a zero deposit balance as of the initial measurement date. Presented interest rates reflect loan coupon rates. (2) During the three months ended June 30, 2026, the Company aligned the presentation of certain loans with its established loan classification methodology. This resulted in approximately $59 million of loans being reported within different commercial real estate loan categories, primarily multifamily loans, with a corresponding decrease in non-owner occupied CRE loans.

Office Portfolio Details Puget Sound, 15% WA Other, 4% Portland Metro, 11% OR Other, 14%Bay Area, 4% N. CA, 8% S. CA, 31% Other, 13% Office Portfolio Metrics at June 30, 2026 Average loan size $1.4 million Average LTV 57% DSC (non-owner occupied) 1.76x % with guaranty (by $ / by #) 87% / 86% Past due 30-89 days $7.3mm / 0.20% of office Nonaccrual $29.9mm / 0.83% of office Special mention $45.4mm / 1.26% of office Classified $85.3mm / 2.37% of office Number of Loans by Balance Geography 26 ■ Loans secured by office properties represented 8% of our total loan portfolio as of June 30, 2026. ■ Our office portfolio is 47% owner occupied, 50% non-owner occupied, and 3% construction. Dental and other healthcare loans compose 24% of our office portfolio. ■ The average loan size in our office portfolio is $1.4 million. ■ Delinquencies were at a very low level as of June 30, 2026, and the majority of our loans contain a guaranty. ■ Excluding floating rate loans, only 9% of our office portfolio reprices through 2027. Loans repricing in 2026 and 2027 have average balances of $0.7 million and $1.2 million, respectively. 1,746 441 71 38 7 6 <$1mm $1-5mm $5-10mm $10-20mm $20-30mm >$30mm 2026, 4% 2027, 5% 2028, 3% 2029 & After, 14% Fixed Rate¹, 68% Floating Rate, 6% Repricing Schedule (1) Loans with a swap component are displayed as a fixed rate loan if the swap maturity is equal to the maturity of the loan. If the swap matures prior to the loan, the loan is displayed as adjustable with the rate resetting at the time of the swap maturity. 2026, 3% 2027, 9% 2028, 8% 2029 & After, 80% Maturity Schedule , 19 8 9 6 7 1,818 620 9 3 10 5

Liquidity Overview Total Available Liquidity at June 30, 2026 ($ in millions) Total off-balance sheet liquidity (available lines of credit): $19,022 Cash and equivalents, less reserve requirement 1,582 Excess collateral 5,044 Total available liquidity $25,648 TOTAL AVAILABLE LIQUIDITY AS A PERCENTAGE OF: Assets of $65.4 billion at June 30, 2026 39 % Deposits of $52.1 billion at June 30, 2026 49 % Uninsured deposits of $20.6 billion at June 30, 2026 125 % Total Off-Balance Sheet Liquidity Available at June 30, 2026 ($ in millions) Gross Availability Utilization Net Availability FHLB lines $16,808 $4,429 $12,379 Federal Reserve Discount Window 5,943 — 5,943 Uncommitted lines of credit 700 — 700 Total off-balance sheet liquidity $23,451 $4,429 $19,022 27 ■ Deposits declined during Q2 2026, due to intentional reductions in brokered deposits and wholesale public deposits. Customer deposit contraction in April due to seasonal tax payments also contributed to the decline between periods. ■ We utilized borrowings, which provided a more favorable effective cost of funds than brokered deposits, to supplement our funding needs. Select Balance Sheet Items Three Months Ended Sequential Quarter Change ($ in millions) Q2 2026 Q1 2026 Q2 2025 Q2 2026 Commercial deposits $15,960 $15,965 $10,902 ($5) Small business deposits 13,205 13,302 8,181 (97) Consumer deposits 19,064 19,601 16,248 (537) Total customer deposits 48,229 48,868 35,331 (639) Public deposits - relationship 1,731 1,587 1,432 144 Public deposits - wholesale 928 1,204 1,451 (276) Total public deposits 2,659 2,791 2,883 (132) Administrative deposits 190 235 179 (45) Brokered deposits 978 1,595 3,350 (617) Total deposits $52,056 $53,489 $41,743 ($1,433) Term debt $4,250 $3,400 $3,350 $850 Cash & cash equivalents $1,769 $2,099 $1,942 ($330) Available-for-sale securities $11,131 $10,915 $8,653 $216 Loans and leases $47,166 $47,697 $37,637 ($531) Note: Tables may not foot due to rounding.

Available-for-Sale Securities Portfolio as of June 30, 2026 ($ in millions) Current Par Amortized Cost Unrealized Gains Unrealized Losses Fair Value % of Total AFS Portfolio Effective Duration Book Yield U.S. Treasuries $260 $259 $0 ($1) $258 2 % 1.4 3.54 % U.S. Agencies 1,004 1,013 $1 ($41) $973 9 % 2.4 2.59 % Mortgage-backed securities - residential agency 4,273 3,932 $3 ($237) $3,698 33 % 6.4 3.90 % Collateralized mortgage obligations(1) 2,084 1,934 $7 ($89) $1,852 17 % 5.2 4.20 % Obligations of states and political subdivisions 1,836 1,563 $48 ($17) $1,594 14 % 5.9 4.06 % Commercial mortgage-backed securities - agency 2,865 2,798 $6 ($48) $2,756 25 % 3.5 4.57 % Total available for sale securities $12,322 $11,499 $65 ($433) $11,131 5.0 4.01 % Percentage of current par 93% 1% (4%) 90% 28 Securities Portfolio Overview Note: Table may not foot due to rounding. (1) Portfolio includes $219 million in high-quality non-agency collateralized mortgage obligations (“CMO”) that were in a small unrealized gain position as of June 30, 2026 (amortized cost of $217 million). The remaining $1.6 billion of the portfolio is comprised primarily of residential agency CMOs. ■ The total available-for-sale (“AFS”) securities portfolio had a book yield of 4.01% and an effective duration of 5.0 as of June 30, 2026, compared to 4.00% and 5.1, respectively, as of March 31, 2026. ■ As of June 30, 2026, 33% of the AFS securities portfolio (by fair value) was in an unrealized gain position and had a weighted average book yield of 5.45%. The remaining 67% of the portfolio was in an unrealized loss position and had a weighted average book yield of 3.69%.

Summary Income Statements Note: Tables may not foot due to rounding. (1) Non-GAAP financial measure. A reconciliation to the comparable GAAP measurement is provided at the end of this slide presentation. For the Quarter Ended ($ in millions, except per-share data) Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 Net interest income before provision $589 $594 $627 $505 $446 Provision for credit losses 27 28 23 70 30 Net interest income after provision 562 566 604 435 416 Non-interest income 88 83 90 77 65 Non-interest expense 375 394 412 393 278 Income before provision for income taxes 275 255 282 119 203 Provision for income taxes 67 63 67 23 51 Net income $208 $192 $215 $96 $152 Earnings per share, diluted $0.73 $0.66 $0.72 $0.40 $0.73 Operating non-interest expense(1) $366 $369 $373 $307 $270 Pre-provision net revenue(1) $302 $283 $305 $189 $233 Operating pre-provision net revenue(1) $314 $306 $342 $270 $242 Operating net income(1) $217 $209 $243 $204 $160 Operating earnings per share, diluted(1) $0.76 $0.72 $0.82 $0.85 $0.76 29 Q2 2026 Highlights (compared to Q1 2026) ■ Net interest income decreased by $5 million from the prior quarter, due in part to $4 million of interest income reversals, alongside modest balance sheet deleveraging. ■ Non-interest income increased by $5 million, due primarily to higher treasury management and card-based fees, partially offset by quarterly changes in fair value adjustments and hedging activity. Results also include $3 million in death benefit proceeds related to a single policy. ■ Non-interest expense decreased by $19 million, due to lower merger expense and the realization of acquisition-related cost savings. ■ Provision expense was $27 million, compared to $28 million for the prior quarter.

Summary Period-End Balance Sheets Note: Tables may not foot due to rounding. (1) Non-GAAP financial measure. A reconciliation to the comparable GAAP measurement is provided in the appendix of this slide presentation. ($ in millions, except per-share data) Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 ASSETS: Total assets $65,380 $66,027 $66,832 $67,496 $51,901 Interest bearing cash and temporary investments 1,121 1,522 1,869 1,808 1,334 Investment securities available for sale, fair value 11,131 10,915 11,112 11,013 8,653 Loans and leases, gross 47,166 47,697 47,776 48,462 37,637 Allowance for credit losses on loans and leases (458) (459) (466) (473) (421) Goodwill and other intangibles, net 2,115 2,153 2,194 2,235 1,459 LIABILITIES AND EQUITY: Deposits 52,056 53,489 54,211 55,771 41,743 Securities sold under agreements to repurchase 189 162 207 167 191 Borrowings 4,250 3,400 3,200 2,300 3,350 Total shareholders' equity 7,552 7,664 7,840 7,790 5,342 RATIOS AND PER-SHARE METRICS: Loan to deposit ratio 90.6% 89.2% 88.1% 86.9% 90.2% Book value per common share $26.70 $26.47 $26.54 $26.04 $25.41 Tangible book value per common share(1) $19.22 $19.03 $19.11 $18.57 $18.47 Common equity to assets ratio 11.6% 11.6% 11.7% 11.5% 10.3% Tangible common equity to tangible assets ratio(1) 8.6% 8.6% 8.7% 8.5% 7.7% 30 Q2 2026 Highlights (compared to Q1 2026) ■ Loan balances decreased in Q2 2026, as commercial loan growth only partially offset runoff in below-market rate transactional loans and lower balances in non-owner occupied commercial real estate given elevated payoffs. The commercial loan portfolio, inclusive of owner-occupied CRE, increased by 5% on an annualized basis relative to March 31, 2026. ■ Total deposits decreased, due to intentional reductions in brokered deposits and wholesale public deposits. Customer deposit contraction in April due to seasonal tax payments also contributed to the decline between periods. ■ Book value and tangible book value(1) each increased by 1% relative to March 31, 2026, and increased 5% and 4%, respectively, relative to June 30, 2025.

Non-GAAP Reconciliation: Tangible Capital ($ in millions, except per-share data) 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 Total shareholders' equity a $7,552 $7,664 $7,840 $7,790 $5,342 Less: Goodwill 1,482 1,482 1,482 1,481 1,029 Less: Other intangible assets, net 633 671 712 754 430 Tangible common shareholders’ equity b $5,437 $5,511 $5,646 $5,555 $3,883 Total assets c $65,380 $66,027 $66,832 $67,496 $51,901 Less: Goodwill 1,482 1,482 1,482 1,481 1,029 Less: Other intangible assets, net 633 671 712 754 430 Tangible assets d $63,265 $63,874 $64,638 $65,261 $50,442 Common shares outstanding at period end (in thousands) e 282,817 289,530 295,422 299,147 210,213 Total shareholders' equity to total assets ratio a / c 11.55 % 11.61 % 11.73 % 11.54 % 10.29 % Tangible common equity to tangible assets ratio b / d 8.59 % 8.63 % 8.73 % 8.51 % 7.70 % Book value per common share a / e $26.70 $26.47 $26.54 $26.04 $25.41 Tangible book value per common share b / e $19.22 $19.03 $19.11 $18.57 $18.47 31

Non-GAAP Reconciliation: Adjustments and Average Balances For the Quarter Ended For the Six Months Ended ($ in millions, except share data) 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 6/30/2026 6/30/2025 Non-Interest Income Adjustments Gain on investment securities, net ($1) $— $2 $2 $— ($1) $2 Gain (loss) on swap derivatives — — 1 (1) (1) — (2) Gain (loss) on loans held for investment, at fair value (1) (2) — 4 — (3) 7 Change in fair value of MSR due to valuation inputs or assumptions 1 6 (1) — (2) 7 (3) MSR hedge gain (loss) (2) (2) — — 2 (4) 5 Total non-interest income adjustments a ($3) $2 $2 $5 ($1) ($1) $9 Non-Interest Expense Adjustments Merger and restructuring expense $9 $24 $39 $87 $8 $33 $23 Exit and disposal costs — 1 1 — — 1 1 FDIC special assessment — — (5) (1) — — — Legal settlement and other non-operating expense — — 4 — — $ — $ 55 Total non-interest expense adjustments b $9 $25 $39 $86 $8 $34 $79 Average Assets n $65,632 $66,215 $67,114 $56,823 $51,552 $65,922 $51,503 Less: Average goodwill and other intangible assets, net 2,136 2,175 2,217 1,719 1,472 2,156 1,487 Average tangible assets o $63,496 $64,040 $64,897 $55,104 $50,080 $63,766 $50,016 Average common shareholders’ equity p $7,594 $7,786 $7,814 $6,157 $5,287 $7,689 $5,252 Less: Average goodwill and other intangible assets, net 2,136 2,175 2,217 1,719 1,472 2,156 1,487 Average tangible common equity q $5,458 $5,611 $5,597 $4,438 $3,815 $5,533 $3,765 Weighted average basic shares outstanding (in thousands) r 285,558 290,933 295,376 237,838 209,125 288,130 208,964 Weighted average diluted shares outstanding (in thousands) s 286,472 292,160 296,760 238,925 209,975 289,212 209,965 32

Non-GAAP Reconciliation: Income Statements For the Quarter Ended For the Six Months Ended ($ in millions) 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 6/30/2026 6/30/2025 Net interest income c $589 $594 $627 $505 $446 $1,183 $871 Non-interest income (GAAP) d $88 $83 $90 $77 $65 $171 $131 Less: Non-interest income adjustments a 3 (2) (2) (5) 1 1 (9) Operating non-interest income (non-GAAP) e $91 $81 $88 $72 $66 $172 $122 Revenue (GAAP) f=c+d $677 $677 $717 $582 $511 $1,354 $1,002 Operating revenue (non-GAAP) g=c+e $680 $675 $715 $577 $512 $1,355 $993 Non-interest expense (GAAP) h $375 $394 $412 $393 $278 $769 $618 Less: Non-interest expense adjustments b (9) (25) (39) (86) (8) (34) (79) Operating non-interest expense (non-GAAP) i $366 $369 $373 $307 $270 $735 $539 Net income (GAAP) j $208 $192 $215 $96 $152 $400 $239 Provision for income taxes 67 63 67 23 51 130 88 Income before provision for income taxes 275 255 282 119 203 530 327 Provision for credit losses 27 28 23 70 30 55 57 Pre-provision net revenue (PPNR) (non-GAAP) k 302 283 305 189 233 585 384 Less: Non-interest income adjustments a 3 (2) (2) (5) 1 1 (9) Add: Non-interest expense adjustments b 9 25 39 86 8 34 79 Operating PPNR (non-GAAP) l $314 $306 $342 $270 $242 $620 $454 Net income (GAAP) j $208 $192 $215 $96 $152 $400 $239 Acquisition-related provision expense — — — 70 — — — Less: Non-interest income adjustments a 3 (2) (2) (5) 1 1 (9) Add: Non-interest expense adjustments b 9 25 39 86 8 34 79 Tax effect of adjustments (3) (6) (9) (43) (1) (9) (9) Operating net income (non-GAAP) m $217 $209 $243 $204 $160 $426 $300 33

Non-GAAP Reconciliation: Earnings Per-Share and Performance Metrics For the Quarter Ended For the Six Months Ended ($ in millions, except per-share data) 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 6/30/2026 6/30/2025 Select Per-Share & Performance Metrics Earnings per share - basic j/r $0.73 $0.66 $0.72 $0.40 $0.73 $1.39 $1.14 Earnings per share - diluted j/s $0.73 $0.66 $0.72 $0.40 $0.73 $1.38 $1.14 Efficiency ratio(1) h/f 55.15 % 58.03 % 57.30 % 67.29 % 54.29 % 56.59 % 61.54 % Non-interest expense to average assets h/n 2.29 % 2.41 % 2.44 % 2.74 % 2.16 % 2.35 % 2.42 % Return on average assets j/n 1.27 % 1.18 % 1.27 % 0.67 % 1.19 % 1.22 % 0.94 % Return on average tangible assets j/o 1.31 % 1.22 % 1.31 % 0.69 % 1.22 % 1.26 % 0.96 % PPNR return on average assets k/n 1.85 % 1.73 % 1.80 % 1.32 % 1.81 % 1.79 % 1.50 % Return on average common equity j/p 10.99 % 10.00 % 10.92 % 6.19 % 11.56 % 10.49 % 9.18 % Return on average tangible common equity j/q 15.29 % 13.88 % 15.24 % 8.58 % 16.03 % 14.58 % 12.80 % Operating Per-Share & Performance Metrics Operating earnings per share - basic m/r $0.76 $0.72 $0.82 $0.86 $0.77 $1.48 $1.44 Operating earnings per share - diluted m/s $0.76 $0.72 $0.82 $0.85 $0.76 $1.47 $1.43 Operating efficiency ratio, as adjusted(1) u/y 52.92 % 53.68 % 51.39 % 52.32 % 51.79 % 53.29 % 53.40 % Operating non-interest expense to average assets i/n 2.24 % 2.26 % 2.20 % 2.14 % 2.10 % 2.25 % 2.11 % Operating return on average assets m/n 1.33 % 1.28 % 1.44 % 1.42 % 1.25 % 1.30 % 1.17 % Operating return on average tangible assets m/o 1.37 % 1.32 % 1.49 % 1.47 % 1.28 % 1.35 % 1.21 % Operating PPNR return on average assets l/n 1.92 % 1.87 % 2.02 % 1.89 % 1.88 % 1.90 % 1.78 % Operating return on average common equity m/p 11.46 % 10.89 % 12.34 % 13.15 % 12.16 % 11.17 % 11.52 % Operating return on average tangible common equity m/q 15.95 % 15.11 % 17.22 % 18.24 % 16.85 % 15.53 % 16.07 % (1) Tax-exempt income was adjusted to a taxable equivalent basis using a 21% tax rate and added to stated revenue for this calculation. 34

Non-GAAP Reconciliation: Operating Efficiency Ratio, as Adjusted 35 For the Quarter Ended For the Six Months Ended ($ in millions) 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 6/30/2026 6/30/2025 Non-interest expense (GAAP) h $375 $394 $412 $393 $278 $769 $618 Less: Non-interest expense adjustments b (9) (25) (39) (86) (8) (34) (79) Operating non-interest expense (non-GAAP) i 366 369 373 307 270 735 539 Less: B&O taxes t (3) (4) (3) (3) (3) (7) (6) Operating non-interest expense, excluding B&O taxes (non- GAAP) u $363 $365 $370 $304 $267 $728 $533 Net interest income (tax equivalent)(1) v $592 $596 $629 $507 $447 $1,188 $873 Non-interest income (GAAP) d 88 83 90 77 65 171 131 Add: BOLI tax equivalent adjustment(1) w 3 3 3 2 2 6 3 Total Revenue, excluding BOLI tax equivalent adjustments (tax equivalent) x 683 682 722 586 514 1,365 1,007 Less: non-interest income adjustments a 3 (2) (2) (5) 1 1 (9) Total Adjusted operating revenue, excluding BOLI tax equivalent adjustments (tax equivalent) (non-GAAP) y $686 $680 $720 $581 $515 $1,366 $998 Efficiency ratio(1) h/f 55.15 % 58.03 % 57.30 % 67.29 % 54.29 % 56.59 % 61.54 % Operating efficiency ratio, as adjusted (non-GAAP)(1) u/y 52.92 % 53.68 % 51.39 % 52.32 % 51.79 % 53.29 % 53.40 % (1) Tax-exempt income was adjusted to a taxable equivalent basis using a 21% tax rate and added to stated revenue for this calculation.

Filing Exhibits & Attachments

5 documents

Press Releases

• EX-99.1 PRESS RELEASE ANNOUNCING SECOND QUARTER 2026 FINANCIAL RESULTS 1.9 MB
• EX-99.2 SECOND QUARTER 2026 INVESTOR PRESENTATION 72.1 KB

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 1.8 KB
• EX-101 XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT 21.1 KB
• EX-101 XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT 12.2 KB