Columbia Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Columbia Bank (FDIC Cert #17266) registers 58/100 on DLRadar's scale — a moderate reading. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. A moderate score on a footprint this size means the markets Columbia Bank touches inherit a corresponding share of that lending pressure. Its footprint is broad and multi-state: 2,521 ZIP codes in 104 counties over 8 states. Its heaviest exposure sits in California (29 counties), Oregon (28 counties), Washington (27 counties), Idaho (15 counties). Rather than a standalone rating, the moderate score is tied to real markets — every one of the 2,521 ZIP codes Columbia Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Columbia Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Because Columbia Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 58/100 reading stays current and directly comparable — a like-for-like number across 8 states and against any other institution. County by county, that footprint includes Los Angeles County, CA, Maricopa County, AZ, San Diego County, CA, Orange County, CA, among others DLRadar tracks parcel by parcel. Because Columbia Bank is held under Columbia Banking System Inc, its financials are open to scrutiny and its trend can be independently checked.

The acquisition angle is simple — lending capacity is what moves deals. As Columbia Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.