What Opus Bank does

Opus Bank, founded in 2010 and headquartered in Irvine, California, was a regional commercial bank that organized its operations around four customer-facing divisions: Personal Banking, Business Banking, Commercial Banking, and Wealth Management. The bank served individual consumers, small and medium-sized businesses, larger commercial clients, and high-net-worth households, offering a full suite of deposit products (checking, savings, money market), consumer and commercial lending (SBA loans, real estate, term, equipment, corporate), credit cards, and wealth services including Columbia Private Bank, Columbia Wealth Advisors, and trust administration.

Underlying delivery combined a regional physical branch network with online and mobile banking platforms and a dedicated commercial treasury management operation. Specialized industry verticals served healthcare, dental, and veterinary practices, plus API Banking aimed at commercial clients requiring programmatic integration with treasury and payment rails. Domestic and international FX capabilities supported cross-border commercial activity.

The revenue model relied on net interest income from the loan portfolio and securities, deposit service charges, card interchange (Elan Financial Services for credit card issuance), treasury management fees, and wealth management/trust fee income — typical of a mid-size commercial bank balance-sheet model. The bank's earlier mission emphasized serving "business leaders and successful entrepreneurs," and the institution was eventually combined with Columbia Banking System, after which customer accounts and online banking transitioned to the Columbia Bank platform.

Name

Opus Bank

Legal name

Columbia Bank

Website

https://opusbank.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Regional commercial bank founded in 2010 and headquartered in Irvine, California, serving individuals, small-to-mid businesses, commercial clients, and high-net-worth households across personal, business, commercial, and wealth management product lines.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI), Wealth Lending & Margin / Securities-Backed Lines (Retail) (FSAAAAAN)

Keywords

• Commercial banking services
• Retail banking services
• Wealth management services
• Small business lending
• Treasury management solutions

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Distribution channels5 records

Marketing channels3 records

Core offering

Opus Bank was a full-service U.S. regional bank providing deposit accounts, consumer and commercial lending, treasury and cash management, international banking, and private wealth management services to individuals, small businesses, middle-market commercial clients, and high-net-worth households. Banking products spanned personal checking and savings, SBA loans, real estate and equipment financing, corporate lending, credit cards via Elan Financial Services, and trust and investment advisory services through Columbia Private Bank and Columbia Wealth Advisors.

Product overview

Columbia Bank offers a comprehensive, multi-channel banking platform organized into four main divisions: Personal Banking, Business Banking, Commercial Banking, and Wealth Management. The personal and business banking segments provide core deposit products (checking and savings accounts), various lending products (consumer loans, mortgages, SBA loans, commercial real estate), credit cards through Elan Financial Services, and digital banking capabilities. The commercial banking division serves larger clients with specialized services including international banking, equipment financing, corporate lending, treasury management, and API banking. Wealth management provides private banking, investment advisory, and trust services. The bank operates API Banking as a distinct commercial offering and has developed specialized industry verticals for healthcare, dental, and veterinary practices.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking Consumer-focused banking services including checking accounts, savings accounts, loans, credit cards, and online/mobile banking for individual consumers.
• Business Banking Banking services designed for small and medium-sized businesses, including checking, savings, loans, credit cards, cash management, and SBA lending.
• Commercial Banking Comprehensive banking services for commercial clients including international banking, real estate financing, equipment financing, corporate lending, treasury management, and API banking.
• Wealth Management Private banking, wealth advisory, trust, and investment services for high-net-worth individuals and families, delivered through Columbia Private Bank, Columbia Wealth Advisors, and Columbia Trust Company.
• Embark Checking Personal checking account offering competitive rates and features for individual consumers.
• Grow Savings Savings account designed to help individuals grow their deposits with competitive interest rates.
• Community Business Checking Checking account tailored for community-based businesses with specialized features and benefits.
• Community Business Savings Savings account designed for community businesses to accumulate and grow funds.
• SBA Loans Small Business Administration-backed loans supporting business growth and expansion, originated under SBA Preferred Lender status.
• Real Estate Loans Financing solutions for commercial and residential real estate purchases and development, including multifamily and home builder lending.
• Term Loans Fixed-term business financing for capital investments and operational needs.
• Home Equity Line of Credit Revolving credit line secured by home equity for flexible borrowing needs.
• Personal Loans Unsecured loans for personal expenses and financial needs.
• Auto Loans Financing solutions for vehicle purchases.
• Home Loans Mortgage lending products for home purchases and refinancing.
• Credit Cards Consumer and business credit card products offered through Elan Financial Services.
• Online & Mobile Banking Digital banking platform enabling customers to manage accounts, transfer funds, and conduct transactions via web and mobile applications.
• Cash Management Treasury management solutions for businesses including cash flow optimization and payment processing.
• International Banking Foreign exchange services and international transaction capabilities for commercial clients.
• Equipment Financing Financing solutions for business equipment purchases and acquisitions.
• Corporate Lending Large-scale lending solutions for corporate clients and institutional borrowers.
• Treasury Management Comprehensive cash and liquidity management services for commercial accounts.
• Columbia Private Bank Personalized private banking services for high-net-worth clients.
• Columbia Wealth Advisors Investment advisory services and wealth planning solutions.
• Trust and Investment Services Trust administration and investment management services offered through Columbia Trust Company.
• Commercial Card Corporate credit and payment card solutions for business expense management.
• Foreign Exchange Currency exchange and hedging services for international business transactions.
• Healthcare Banking Specialized banking services for healthcare professionals and medical practices with revenues over $50 million.
• Dental Banking Specialized banking services for dental practices.
• Veterinary Banking Specialized banking services for veterinary practices.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves3 records

Expansion highlights4 records

Direct peers

• East West Bank: West Coast-headquartered commercial bank with similar business banking, SBA lending, and commercial real estate focus. Comparable size, regional footprint, and segment mix to Columbia/Opus.
• Cathay General Bancorp: California-based commercial bank with parallel mix of commercial real estate, business banking, and consumer deposits. Comparable regional bank scale and product set.
• CVB Financial (Citizens Business Bank): California-focused commercial bank serving businesses and consumers with deposits, commercial loans, and treasury management. Directly comparable product mix and West Coast regional orientation.
• Heritage Commerce Corp (Heritage Bank of Commerce): California-based commercial bank focused on business banking, SBA lending, CRE, and treasury management — closely overlapping Opus's Business and Commercial Banking segments.
• TriCo Bancshares (Tri Counties Bank): California-headquartered community bank with consumer and business banking, commercial real estate, and wealth services. Comparable mid-size regional banking franchise.
• Banner Bank (Banner Corporation): Pacific Northwest regional bank offering personal, business, and commercial banking plus wealth management. Highly comparable four-pillar structure and mid-size regional scale.
• Columbia Banking System (Columbia Bank): Direct successor entity to Opus Bank following the merger of Opus and Pacific Premier Bancorp. Operates the same four-pillar banking model across the Pacific Northwest and West Coast with comparable SBA, CRE, and wealth management offerings.
• Bank of Marin Bancorp: Northern California community bank with business and consumer banking, CRE, and wealth services. Comparable regional scale, branch-based distribution, and product breadth.

Emerging players

• Live Oak Bank: Digital-first, SBA-focused niche lender specializing in small business lending across verticals. Comparable SBA lending focus and specialty-vertical strategy, but with a tech-forward operating model.

Broad incumbents

• JPMorgan Chase (Chase Business Banking): National banking incumbent offering small business banking, SBA loans, treasury management, and commercial banking at massive scale. Sets the competitive baseline for product breadth and digital investment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/OpusBank
• YouTubeyoutube.com/@columbiabankofficial
• Facebookfacebook.com/opusbank
• LinkedInlinkedin.com/company/opus-bank
• Instagraminstagram.com/columbiabank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments8 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Opus Bank