Columbia Financial director reports initial holdings

Columbia Financial, Inc./MD/ director Michael Massood Jr. filed an initial ownership report detailing his equity positions in the company.

Rhea-AI Filing Summary

Columbia Financial, Inc./MD/ director Michael Massood Jr. filed an initial ownership report detailing his equity positions in the company. He reports 183,246 stock options with an exercise price of $7.10 per share, exercisable into common stock until July 23, 2029. He also reports direct ownership of 94,613 shares of common stock, as well as indirect holdings of 78,063 shares through a Roth IRA, 47,044 shares through an IRA, and 6,494 shares through a stock award vehicle.

Insider Trade Summary

5 transactions reported

Mixed 5 txns

Insider Massood Michael Jr.

Role Director

Type	Security	Shares	Price	Value
holding	Stock Options (right to buy)	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Stock Options (right to buy) — 183,246 contracts (Direct); Common Stock — 94,613 shares (Direct); Common Stock — 78,063 shares (Indirect, By Roth IRA); Common Stock — 47,044 shares (Indirect, By IRA); Common Stock — 6,494 shares (Indirect, By Stock Award V)

Key Figures

Stock options underlying shares: 183,246 shares Option exercise price: $7.10 per share Option expiration date: July 23, 2029 +4 more

7 metrics

Stock options underlying shares 183,246 shares Stock Options (right to buy) underlying Columbia Financial common stock

Option exercise price $7.10 per share Exercise price for reported stock options

Option expiration date July 23, 2029 Expiration date of stock options (right to buy)

Direct common shares 94,613 shares Common stock held directly by the reporting person

Roth IRA indirect shares 78,063 shares Common stock held indirectly by Roth IRA

IRA indirect shares 47,044 shares Common stock held indirectly by IRA

Stock Award V shares 6,494 shares Common stock held indirectly by Stock Award V

Key Terms

Stock Options (right to buy), Roth IRA, Power of Attorney, indirect ownership

4 terms

Stock Options (right to buy) financial

"security_title: Stock Options (right to buy)"

Roth IRA financial

"nature_of_ownership: By Roth IRA"

A Roth IRA is a retirement savings account you fund with money that’s already been taxed, and withdrawals taken in retirement under the account rules are tax-free. It matters to investors because it shifts the tax bill to today instead of retirement, potentially increasing after-tax income later—think of it like paying for a lifetime subscription now so you can use it without extra charges in the future—helpful for long-term tax planning and flexibility.

Power of Attorney regulatory

"Exhibit 24 Power of Attorney"

A power of attorney is a legal document that allows one person to make decisions and act on behalf of another person, often in financial or legal matters. It’s like giving someone a trusted helper or agent the authority to handle important tasks if you are unable to do so yourself. This matters to investors because it can impact how their assets are managed or transferred if they become unable to oversee their affairs.

indirect ownership financial

"ownership_type: indirect, nature_of_ownership: By IRA"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What does the CLBK Form 3 filed by Michael Massood Jr. show?

The Form 3 shows initial ownership of Columbia Financial, Inc./MD/ securities by director Michael Massood Jr., including stock options and common shares held directly and through retirement and award accounts.

How many stock options does Michael Massood Jr. report for CLBK?

He reports 183,246 stock options with an exercise price of $7.10 per share. These options are exercisable into Columbia Financial common stock and have an expiration date of July 23, 2029.

How many CLBK common shares does Michael Massood Jr. own directly?

He reports direct ownership of 94,613 shares of Columbia Financial common stock. This is separate from additional indirect holdings reported through retirement accounts and a stock award vehicle.

What indirect CLBK holdings are reported through retirement accounts?

He reports 78,063 shares of Columbia Financial common stock held by Roth IRA and 47,044 shares held by IRA, both classified as indirect ownership positions.

What CLBK shares are held through a stock award vehicle?

The filing lists an indirect position of 6,494 shares of Columbia Financial common stock held by Stock Award V, indicating shares associated with an equity award arrangement.

Does the CLBK Form 3 show any recent insider buying or selling?

No buy or sell transactions are reported; the entries are holding records with no transaction codes. The Form 3 provides a snapshot of existing ownership rather than new trades.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 07/22/2026 - 05:10 PM Learn about SEC filing dates

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Massood Michael Jr.

(Last) (First) (Middle)

19-01 ROUTE 208 NORTH

(Street)

FAIR LAWN NEW JERSEY 07410

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
07/20/2026

3. Issuer Name and Ticker or Trading Symbol
Columbia Financial, Inc./MD/ [ CLBK ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	94,613	D
Common Stock	78,063	I	By Roth IRA
Common Stock	47,044	I	By IRA
Common Stock	6,494	I	By Stock Award V

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Options (right to buy)	07/23/2020	07/23/2029	Common Stock	183,246	$7.1	D

Explanation of Responses:

Remarks:

Exhibit List: Exhibit 24 Power of Attorney

	/s/ Thomas F. Splaine, Jr., Power of Attorney	07/22/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)