Columbia Financial (CLBK) director reports new phantom stock units and options holdings

Rhea-AI Filing Summary

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.

Insider Trade Summary

5 transactions reported

Mixed 5 txns

Insider Holland Noel R.

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	9.202	$18.52	$170.42
holding	Stock Options (right to buy)	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 10,020.94 shares (Indirect, By Stock-Based Deferral Plan); Stock Options (right to buy) — 83,294 shares (Direct); Common Stock — 33,519 shares (Direct)

Footnotes (1)

1. Represents phantom stock purchased, on a non-discretionary basis, by the trustee of the Bank's rabbi trust maintained in connection with the Columbia Bank Stock Based Deferral Plan, a non-qualified stock-based deferral plan. Stock unit interests under the Columbia Bank Stock Based Deferral Plan will be settled in shares of stock upon distribution to the reporting person. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan which vest in one year on March 11, 2026. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Holland Noel R.

(Last) (First) (Middle)

19-01 ROUTE 208 NORTH

(Street)

FAIR LAWN NJ 07410

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Columbia Financial, Inc. [ CLBK ]

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

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

3. Date of Earliest Transaction (Month/Day/Year)
02/06/2026

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

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 Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	02/06/2026		A		9.2019(1)	A	$18.52	10,020.9401	I	By Stock-Based Deferral Plan
Common Stock								33,519	D
Common Stock								46,280	I	By SEP-IRA
Common Stock								3,207	I	By Stock Award IV(2)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Options (right to buy)	$15.6							07/23/2020(3)	07/23/2029	Common Stock	83,294		83,294	D

Explanation of Responses:

1. Represents phantom stock purchased, on a non-discretionary basis, by the trustee of the Bank's rabbi trust maintained in connection with the Columbia Bank Stock Based Deferral Plan, a non-qualified stock-based deferral plan. Stock unit interests under the Columbia Bank Stock Based Deferral Plan will be settled in shares of stock upon distribution to the reporting person.

2. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan which vest in one year on March 11, 2026.

3. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.

Remarks:

	/s/ Dennis E. Gibney, Power of Attorney	02/10/2026
	** 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 4 (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.

FAQ

What insider transaction did Noel R. Holland report for Columbia Financial (CLBK)?

Noel R. Holland reported an automatic credit of 9.2019 phantom stock units of Columbia Financial common stock at $18.52 per unit on February 6, 2026 under a stock-based deferral plan, increasing his deferral plan balance to 10,020.9401 units held for future settlement in shares.

How many Columbia Financial (CLBK) shares does Noel R. Holland hold directly and indirectly?

Noel R. Holland reports 33,519 Columbia Financial common shares held directly, 46,280 shares held indirectly through a SEP-IRA, and 3,207 shares held indirectly through Stock Award IV, in addition to 10,020.9401 phantom stock units under a stock-based deferral plan credited for future share settlement.

What is the nature of the phantom stock reported by Noel R. Holland at Columbia Financial (CLBK)?

The 9.2019 units are phantom stock purchased on a non-discretionary basis by a rabbi trust for Columbia Bank’s Stock Based Deferral Plan. These stock unit interests will be settled in Columbia Financial shares upon distribution to Noel R. Holland under the non-qualified deferral plan.

What stock options does Noel R. Holland hold in Columbia Financial (CLBK)?

Noel R. Holland holds 83,294 stock options to buy Columbia Financial common stock at an exercise price of $15.60. These options were granted under the 2019 Equity Incentive Plan, are fully vested and exercisable, and are scheduled to expire on July 23, 2029 unless exercised earlier.

When do Noel R. Holland’s Columbia Financial (CLBK) Stock Award IV shares vest?

Stock Award IV shares were granted under Columbia Financial’s 2019 Equity Incentive Plan and vest in one year on March 11, 2026. As of the reported date, 3,207 common shares are held indirectly under this award, subject to that scheduled vesting date and plan terms.

What is Noel R. Holland’s role at Columbia Financial (CLBK) in this Form 4 filing?

In this Form 4, Noel R. Holland is identified as a director of Columbia Financial, Inc. He is not listed as an officer or 10% owner in the filing, and the reported holdings and transactions reflect his position as a board-level insider at the company.