Columbia Financial (CLBK) issues Q3 and nine‑month 2025 results release

Rhea-AI Filing Summary

Columbia Financial, Inc. filed a current report to notify investors that it has released its financial results for the three and nine months ended September 30, 2025. The company issued a press release on October 20, 2025 describing its operating performance and financial condition for this period.

The press release is attached as Exhibit 99.1 and is treated as information that is “furnished,” not “filed,” which limits certain legal liabilities under the securities laws. No other corporate actions or major transactions are described in this report.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF

THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of Earliest Event Reported): October 20, 2025

Columbia Financial, Inc.

(Exact Name of Registrant as Specified in its Charter)

Delaware			001-38456			22-3504946
(State or other jurisdiction			(Commission			(IRS Employer
of incorporation)			File Number)			Identification Number)

19-01 Route 208 North, Fair Lawn, New Jersey 07410

(Address of principal executive offices)

(800) 522-4167

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading symbol(s)			Name of each exchange on which registered
Common stock, $0.01 par value per share			CLBK			The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition

    On October 20, 2025, Columbia Financial, Inc. (the "Company") issued a press release announcing its financial results for the three and nine months ended September 30, 2025. The Company's press release is included as Exhibit 99.1 to this report.

    The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section.

Item 9.01 Financial Statements and Exhibits

        (d) Exhibits

Exhibit Number						Description
99.1						Press release dated October 20, 2025
104						Cover Page Interactive Data File (embedded within the Inline XBRL document)

2

SIGNATURE

    Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.

Date:

October 20, 2025

/s/Dennis E. Gibney

Dennis E. Gibney

Senior Executive Vice President and Chief Financial Officer

3

FAQ

What did Columbia Financial, Inc. (CLBK) disclose in this 8-K filing?

Columbia Financial, Inc. disclosed that it issued a press release announcing financial results for the three and nine months ended September 30, 2025. The press release is attached as Exhibit 99.1 and provides detailed operating and financial information.

Which reporting period does Columbia Financial’s October 20, 2025 press release cover?

The press release covers Columbia Financial’s financial results for the three and nine months ended September 30, 2025. This period includes the company’s third quarter performance and year-to-date results through the end of the third quarter.

How is the Columbia Financial (CLBK) earnings press release treated under securities laws?

The earnings press release attached as Exhibit 99.1 is deemed “furnished” rather than “filed” under Section 18 of the Securities Exchange Act of 1934. This treatment generally limits certain legal liabilities associated with filed information.

What exhibits are included with Columbia Financial’s October 20, 2025 Form 8-K?

The filing includes Exhibit 99.1, which is the press release dated October 20, 2025 announcing financial results, and Exhibit 104, which is the cover page interactive data file embedded within the Inline XBRL document.

Who signed Columbia Financial, Inc.’s October 20, 2025 Form 8-K?

The Form 8-K was signed on behalf of Columbia Financial, Inc. by Dennis E. Gibney. He is identified in the report as the Senior Executive Vice President and Chief Financial Officer of the company.

On what date was Columbia Financial’s current report and earnings press release issued?

Both the Form 8-K current report and the related earnings press release were dated October 20, 2025. This date is identified as the date of the report and the earliest event reported in the filing.