The segments that are under stress, we continue to be concerned with hospitality a little bit, but I think we've got our arms around that, and most of that I think is pretty well taken care of, but it remains for certain kinds of, you know, especially if it's business travel related, that remains a challenge versus vacation.

Jul 21, 2022 / receipt, needs a key / Andy McDonald, Chief Credit Officer | earnings call 2022-07-21 | transcript 588b94eb-4363-4e0c-a969-0dfb16b98514 | chars 21226-21552 | segment 21

And then as the year goes on, we're hoping that, you know, our bankers, you know, are excited to get back out in front of clients and off of Zoom calls. And so we could see some increase in travel and payment costs and that sort of thing.

Jan 28, 2021 / receipt, needs a key / Aaron, other | earnings call 2021-01-28 | transcript a14dc66c-261a-4ac1-8188-814d5b9ab04c | chars 28258-28496 | segment 29

We remain on track to achieve the guided $135 million in synergies by the end of Q3 2023.

ir_statement / Sep 17, 2026 / receipt

The consolidation of 47 branches was completed in the latter half of Q2 2023.

ir_statement / Sep 17, 2026 / receipt

We expect to achieve $135 million in annualized cost synergies by September 30, 2023(1), and we have already identified additional opportunities above our target.

ir_statement / Sep 17, 2026 / receipt

Estimated FDIC special assessment (anticipated in Q3 2023) is the driver of the increase in our expense outlook between periods; we continue to anticipate a Q4 run rate of $240mm - $250mm (not annuali

ir_statement / Sep 17, 2026 / receipt

47 branches were consolidated in the latter half of Q2 2023.

ir_statement / Sep 17, 2026 / receipt

There are additional opportunities to realize operational efficiencies in 2024 and beyond.

ir_statement / Sep 17, 2026 / receipt

We realized $140 million in annualized cost synergies through September 30, 2023(1), exceeding our original $135 million target.

ir_statement / Sep 17, 2026 / receipt

We will continue to manage our expense base and seek out these offsets to fund growth-driven reinvestment.

ir_statement / Sep 17, 2026 / receipt

We continue to anticipate a Q4 run rate of $240mm - $250mm (not annualized) excluding CDI amortization, merger-related expense, and the estimated FDIC special assessment, the timing of which is not ye

ir_statement / Sep 17, 2026 / receipt

Improved efficiency and pre-provision profitability reflect the realization of cost synergies and a smaller impact from merger-related expense.

ir_statement / Sep 17, 2026 / receipt

There are opportunities to realize additional operational efficiencies in 2024 and beyond. We will continue to manage our expense base and seek out these offsets to fund growth-driven reinvestment.

ir_statement / Sep 17, 2026 / receipt

Umpqua Bank, Columbia’s primary subsidiary, consolidated five branches in January 2024.

ir_statement / Sep 17, 2026 / receipt