Welcome to our dedicated page for Columbia Financ SEC filings (Ticker: CLBK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Columbia Financial, Inc. (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank. Through these filings, investors can review detailed disclosures on the company’s financial condition, results of operations, capital management, and significant corporate events.
Columbia Financial, Inc. uses current reports on Form 8-K to announce material events. Recent 8-K filings have covered quarterly earnings releases, including financial results for periods ended March 31, June 30, and September 30, as well as the year ended December 31. These filings typically reference press releases furnished as exhibits that discuss net interest income, interest expense on deposits and borrowings, provision for credit losses, non-interest income and expense, net interest margin, and overall net income or loss.
Other 8-K filings describe corporate actions and governance matters. For example, the company has filed 8-Ks regarding authorization of a stock repurchase program to acquire up to 1,800,000 shares of common stock, including details on regulatory non-objection, permitted repurchase methods, and program terms. Additional 8-Ks disclose executive officer changes, such as the planned end date of employment for a Senior Executive Vice President and Chief Operating Officer, and the availability of investor presentations outlining operating and growth strategies.
Annual reports on Form 10-K and quarterly reports on Form 10-Q, when accessed alongside these current reports, provide comprehensive information on Columbia Financial, Inc.’s loan portfolio composition, deposit base, funding sources, balance sheet repositioning transactions, asset quality metrics, and risk factors. These filings also describe the company’s structure as a Delaware corporation and majority-owned subsidiary of Columbia Bank, MHC, and its role as the holding company for Columbia Bank, a federally chartered savings bank headquartered in Fair Lawn, New Jersey.
Stock Titan’s platform enhances these filings by delivering real-time updates from the SEC’s EDGAR system and AI-powered summaries that highlight key points from lengthy documents. Users can quickly identify important information in 10-K and 10-Q reports, track material events reported on Form 8-K, and review disclosures related to capital actions such as stock repurchase programs. Insider transaction reports on Form 4, where available, can also be monitored to see reported purchases and sales by directors and executive officers.
By combining Columbia Financial, Inc.’s official SEC filings with AI-generated insights, this page helps readers understand how the company describes its performance, strategy, and risk profile in its own regulatory disclosures.
Columbia Financial, Inc.February 6, 2026, 36.9665 phantom shares of common stock at $18.52 were purchased on a non-discretionary basis by the trustee of the bank’s rabbi trust under a stock-based deferral plan and credited to his account.
Following this transaction, he beneficially held 8,262.7158 common-stock-denominated units through the Stock-Based Deferral Plan, along with additional common stock positions held directly and through a 401(k), ESOP, SERP, and stock award programs, plus several tranches of stock options granted under the 2019 Equity Incentive Plan.
Columbia Financial, Inc. President & CEO Thomas J. Kemly reported an indirect acquisition of 100.3072 shares of Common Stock on February 6, 2026 at $18.52 per share. The amount reflects phantom stock purchased on a non-discretionary basis in a stock-based deferral plan.
These stock unit interests in the Columbia Bank Stock Based Deferral Plan will be settled in shares of Columbia Financial stock when distributed to Mr. Kemly. The filing also lists his existing direct and indirect holdings of common stock, 401(k), ESOP, SERP, stock awards, and multiple stock option grants.
Columbia Financial, Inc. director Daria Stacy-Walls Torres reported an automatic acquisition of phantom stock tied to company shares. On February 6, 2026, 263.2289 common-share-equivalent units were purchased at
Columbia Financial, Inc. director Noel R. Holland reported an automatic credit of 9.2019 phantom stock units of common stock on February 6, 2026 at $18.52 per unit under the Columbia Bank Stock Based Deferral Plan, bringing his deferral plan balance to 10,020.9401 units.
He also reports holdings of 33,519 shares of common stock directly, 46,280 shares indirectly through a SEP-IRA, and 3,207 shares indirectly through Stock Award IV, which was granted under the 2019 Equity Incentive Plan and vests on March 11, 2026. In addition, he holds 83,294 fully vested stock options exercisable for common stock, expiring on July 23, 2029.
Columbia Financial, Inc. executive Thomas Splaine Jr, EVP and CFO, filed an initial ownership statement showing his equity holdings in the company. He beneficially owns 1,177 shares of common stock indirectly through a stock award and holds 9,176 stock options directly.
The stock awards and options were granted under the 2019 Equity Incentive Plan and both vest in three approximately equal annual installments starting on March 3, 2026. The stock options are exercisable at $16.23 per share and are scheduled to expire on March 3, 2035.
Columbia Financial and Northfield Bancorp plan a strategic merger tied to a corporate restructuring and stock offering. Columbia Bank will complete a “second-step” conversion to a fully public stock holding company, with existing Columbia shareholders exchanging their shares for stock in a new holding company that will sell shares in a public offering.
After the conversion and offering close, the new holding company and Columbia Bank intend to acquire Northfield Bancorp and Northfield Bank, creating a combined community bank with more than
Columbia Financial and Northfield Bancorp plan a merger valued at about $597 million, or 0.86x Northfield’s tangible book value, alongside Columbia’s second-step conversion to a fully public holding company. The deal is targeted to close early in the third quarter of 2026, subject to regulatory and shareholder approvals.
Columbia expects roughly 50% earnings accretion in 2027, with tangible book value dilution of 4.4% and an earn-back period of about 1.8 years. Pro forma projections include about $200 million of earnings, a 1.06% return on average assets, and an efficiency ratio near 48%, reflecting anticipated cost and revenue benefits.
The combined franchise will add approximately $1.8 billion in New Jersey deposits and expand across more than 100 branches in New Jersey, Brooklyn, and Staten Island, positioning Columbia as a leading community bank in these markets. Management highlights conservative credit cultures at both banks, with pro forma commercial real estate to total capital of 211% and a detailed independent review producing an $81 million credit mark on Northfield’s loans, or 2.1% of loans.
Columbia Financial, Inc. announced a major restructuring that combines a mutual-to-stock conversion with an all‑stock holding company merger with Northfield Bancorp, Inc. Columbia Bank will convert to a fully public holding company structure, with new shares of the Maryland holding company sold to depositors and the public.
After the conversion, Northfield will merge into the new holding company, and Northfield Bank will merge into Columbia Bank. Northfield shareholders can elect either stock or cash, initially 1.425 holding company shares or $14.25 per Northfield share, with both the exchange ratio and cash amount increasing if the independent valuation exceeds $2.3 billion and $2.6 billion tiers.
The plan gives first‑priority subscription rights to eligible Columbia Bank depositors as of December 31, 2024. The merger and conversion require multiple regulatory and stockholder approvals, and the agreement includes termination fees up to $23.7 million in certain third‑party deal scenarios and $6 million in other specified cases.
Columbia Financial, Inc. plans a major restructuring that converts Columbia Bank from a mutual holding company structure into a fully public stock holding company and then merges Northfield Bancorp, Inc. into a new Maryland holding company for Columbia Bank. Existing Columbia public shareholders will exchange their shares for stock in the new holding company, while eligible Columbia Bank depositors and the public can buy new shares in a conversion offering based on an independent valuation.
Northfield shareholders may elect either stock or cash, with consideration tied to Columbia’s final appraised value and a cap that limits cash elections to 30% of Northfield shares. The deal includes detailed treatment of Northfield equity awards, board and management roles for Northfield leaders in the combined organization, customary regulatory and shareholder approvals, tax reorganization opinions, and termination fees up to $23.7 million under specified circumstances.
Columbia Financial, Inc. furnished an update on its performance by issuing a press release covering financial results for the quarter and year ended December 31, 2025.
The company used a current report on Form 8-K to make this information public, attaching the full press release as Exhibit 99.1 instead of detailing the results within the report itself.
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