How profitable a bank is has an effect on its long-term survivability. A bank can retain its earnings, increasing its capital buffer, or put them to work addressing problematic loans, likely making the bank better able to withstand economic shocks. Obviously, banks that are losing money have less ability to do those things.
The Columbia Bank did below-average on Bankrate's test of earnings, achieving a score of 14 out of a possible 30.
One widely used way to measure a bank's earnings is return on equity, or net income (essentially profit) divided by the total amount of equity. The most recent annualized quarterly return on equity for The Columbia Bank was 6.35 percent, below the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank recorded net income of $19.9 million on total equity of $327.0 million. The bank had an annualized return on average assets, or ROA, of 0.84 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.