Banking Review / Deal Surface / 2026-05-23
The DealCard decision instrument begins by articulating PRC Proximate Residents Catchment accretion, upon minting a specific merger scenario.
PRC Bridge
COLUMBIA + Them: PACIFIC PREMIER
1,087,354 Me-only PRC + 631,832 Me PRC in co-trade regions + 200,560 Them accretion in co-trade regions + 67,654 Them-only accretion = 1,987,399 merged PRC
SMARTMARKETS VALUE PROP
Mint-ready: for any next-deal Them-target;
PRC accretion: normalized drill down into trade regions, compass subregions, fit + fill-in readout;
Regulator: density read out;
Due Diligence prep: branch fit motions;
First steps into: site network lifecycle/pruner (eg mint MatchMaker for Me vs All-Them);
If you want, designed to wire into your team decision workflow;
Based on current FFIEC branches; census residents.
SLIDE 2 / CO-TRADE MINI REPORT
Co-trade regions, ordered by Them accretion PRC:
1. ORANGECA 6160: Me PRC 1,423 | Them accretion PRC 54,730
2. LOSANGELES 6010: Me PRC 2,964 | Them accretion PRC 40,477
3. SANTABARBA 1110: Me PRC 7,800 | Them accretion PRC 35,110
4. SEATTLEWA 6120: Me PRC 194,175 | Them accretion PRC 34,048
5. VANCOUVRWA 1320: Me PRC 93,018 | Them accretion PRC 13,879
6. SANDIEGOCA 6130: Me PRC 5,993 | Them accretion PRC 10,088
7. PORTLANDOR 6360: Me PRC 283,261 | Them accretion PRC 7,159
8. LASVEGASNV 6260: Me PRC 1,849 | Them accretion PRC 3,781
9. PHOENIXAZ 6050: Me PRC 9,917 | Them accretion PRC 1,174
10. YAKIMAWA 2170: Me PRC 30,943 | Them accretion PRC 112
Them-only trade regions, top 3 by PRC:
1. RIVERSIDCA 6060: Them PRC 48,697
2. TUCSONAZ 6530: Them PRC 18,564
3. KERNCA 6740: Them PRC 392
SLIDE 3 / PRC LEARNINGS
The usual question: where do these networks overlap?
The Smartmarkets question: what resident catchment does the combined network accrete?
PRC is precomputed before the dealcard starts.
A merger changes ownership of sites whose proximate catchment was already settled.
The bridge is intentionally boring: reassemble ownership of already-attributed residents.
FOR YOUR SHARP LLM-EQUIPPED ANALYST — QUICK-START GUIDE BELOW:
tsmr_issue_id: 2026052302 scenario: columbia_pacific_premier_pre_close_20250831_exhibit Me org key: 812078816 Them org key: 813489594 (now expired)
Decision instrument; Machine-readable stable route surface, Tabular spatial analytics, Recipes help wiring if you want.
Paste this into your LLM to explore an Example DealCard
GET https://smartmarkets.ai/llms.txt
GET https://llm.smartmarkets.ai/8150/llm.txt
Orient the operator to the smartmarkets.ai terminal. Login uses email magic link (no password).
1) Open https://smartmarkets.ai and sign in: >_ login your@email.com
Note: no Stripe required for this single public Review GRATIS exception.
2) Issue a scoped 8150 key (one per account; shown once):
>_ key issue --series=8150
3) Store locally in your development environment with LLM agent access:
export SMARTMARKETS_API_KEY='<paste pmx_* key>'
4) Confirm 2b pack:
curl -sS -H "Authorization: Bearer $SMARTMARKETS_API_KEY" \
https://llm.smartmarkets.ai/8150/account/key-status \
| jq '.data | {tier_name, emr_pack_id, available_scenarios}'
Expect: mint_8150_tsmr_founder_dealcard, founder_ci, scenario cadence_buys_industry_2026Q2_repaired
5) In terminal: >_ help ci — then paste this chip into your LLM.
LLM HANDOFF (paste after key is set):
Current Vintage Rule: this key is for the current supported data vintage on this Deal Surface only; remint when Smartmarkets promotes a new vintage.
First task: GET /emr for the recipe to produce a simple bridge text report. Narrate PRC bridge meaning using Smartmarkets data only — no outside deal research.Paste this into your LLM to mint a production DealCard for your next deal. Hint: Huntington now rolls merged banks under org_key 811068191.
Production forward path — paste into your LLM after orienting the operator to smartmarkets.ai. GET https://smartmarkets.ai/llms.txt GET https://llm.smartmarkets.ai/8150/llm.txt Terminal (magic-link auth): 1) >_ org-key search --query=<bank name> 2) >_ org-key proof --org_key=<ORG_KEY> # both Me and Them sides 3) >_ mint 8150 dealcard --me_org_key=<ME> --them_org_key=<THEM> --scenario=<SCENARIO> 4) >_ key issue --series=8150 5) >_ help dealcard Exhibit boundary hint: https://smartmarkets.ai/review/banking/2026-05-22-huntington-cadence-pre-close-exhibit is a past-tense training Explainer only — Cadence is already rolled under Huntington; you cannot mint this pair on the production rail.
OPB METHODOLOGY
ORR is the change-control rail for this Explainer — one FFIEC stack per cvr_cycle_id, one narrative pin per pre-close deal.
Deal teams should recognize these TRNSFM markings; OPB foots them at the Explainer cut plane for client-side audit.
Me = slice @ pin. Them = merged standalone @ pin. Post-close absorption is a lineage assumption only.
PRC bridge reads Smartmarkets LIBRARY at pin-replayed org_keys — same accretion instrument as forward minted DealCard, just with a past-tense exemplary cut.
See Prompt Chip for the production mint on your next deal. This Review Explainer trains the bridge — not production mint (you will not be able to mint this deal card; Them is already rolled under).
ORR STACK / CHANGE PLANE
Pin 2025-08-31 · ORR-8150-bank-2026Q2-rev1 · Me org_key 812078816 · Them org_key 813489594 standalone @ pin.
Exclude transforms on or after 2025-09-01 (forward CVR).
Pre-pin stack changes (newest first):
2023-03-01 — Umpqua Holdings Corporation → Columbia Banking System, Inc. → Me stack change
2021-10-01 — Bank Of Commerce Holdings → Columbia Banking System, Inc. → Me stack change
2018-07-01 — Grandpoint Capital, Inc. → Pacific Premier Bancorp, Inc. → Them stack change
2017-11-01 — Pacific Continental Corporation → Columbia Banking System, Inc. → Me stack change
2017-11-01 — Plaza Bancorp → Pacific Premier Bancorp, Inc. → Them stack change
2017-04-01 — Heritage Oaks Bancorp → Pacific Premier Bancorp, Inc. → Them stack change
2016-02-01 — Security California Bancorp → Pacific Premier Bancorp, Inc. → Them stack change
2014-11-01 — Intermountain Community Bancorp → Columbia Banking System, Inc. → Me stack change
2013-04-01 — West Coast Bancorp → Columbia Banking System, Inc. → Me stack change
2007-07-23 — Mountain Bank Holding Company → Columbia Banking System, Inc. → Me stack change
2007-07-23 — Town Center Bancorp → Columbia Banking System, Inc. → Me stack change
1997-12-02 — Cascade Bancorp, Inc. → Columbia Banking System, Inc. → Me stack change
1993-08-16 — Columbia National Bankshares, Inc. → Columbia Banking System, Inc. → Me stack change
Post-close (excluded from geography):
2025-09-01 — RSSD 3489594 → RSSD 2078816 [after pin · TRNSFM_CD=1]
2025-09-01 — Pacific Premier Bancorp, Inc. → Columbia Banking System, Inc. [after pin · TRNSFM_CD=1]
Internal control: PRC @ 2025-08-31 = stack after scroll above, before post-close absorption.
CSV footnote · 3489594→2078816 TRNSFM_CD=1 @ 2025-09-01 · member rollup sod_branch_count=0 · inherited_via_transform=true (NIC BHC close; no CSV branch reopen under buyer). 6AD-006-001 assumption: DealCard PRC treats Them branches as surviving accretion @ pin — disclosed design choice; not implied by NIC CSV branch rows alone.