Umpqua Holdings thinks of itself not so much as a bank but as a retailer that sells financial products. Consequently, many of the company's 180-plus Umpqua Bank "stores" in northern California, northern Nevada, Oregon, and Washington feature coffee bars and computer cafes. While customers sip Umpqua-branded coffee, pay bills online, attend a financial seminar, catch a poetry reading, or check out wares from local merchants, staff members pitch deposit accounts, mortgages, loans, life insurance, investments, and more. Subsidiary Umpqua Investments (formerly Strand, Atkinson, Williams & York) provides retail brokerage services through more than a dozen locations; most are inside Umpqua Bank branches.