Columbia Bank vs Summit Bank
Comparing a Bank in Roseburg, OR with a Bank in Eugene, OR using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Columbia Bank ↗ Bank · Roseburg, OR · Est. 1953 | Summit Bank ↗ Bank · Eugene, OR · Est. 2004 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Roseburg, OR | Eugene, OR |
| Total assets | $66.0B | $1.4B |
| Capital ratio | 12.1% | 10.9% |
| Return on assets | 1.2% | 1.4% |
| Deposits | $53.6B | $1.2B |
| Branches | 376 | 5 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 14 | #6 of 14 |
| Established | 1953 | 2004 |
Columbia Bank
- Assets: $66.0B
- Deposits: $53.6B
- Capital ratio: 12.1%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #2 of 14
Summit Bank
- Assets: $1.4B
- Deposits: $1.2B
- Capital ratio: 10.9%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #6 of 14
Are both institutions federally insured?
Yes. Columbia Bank is FDIC-insured and Summit Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Columbia Bank or Summit Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Columbia Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Columbia Bank safe?
Yes — Columbia Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Summit Bank safe?
Yes — Summit Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Columbia Bank vs Summit Bank?
Columbia Bank has a capital ratio of 12.1%, placing it in the top 39% of $10B–100B peers. Summit Bank's ratio is 10.9%, placing it in the top 40% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Columbia Bank have compared to Summit Bank?
The CFPB database shows 0 complaints against Columbia Bank, and 0 complaints against Summit Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Columbia Bank with other Banks in Oregon
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
