Director adds deferred Columbia Financial (CLBK) stock units via plan

Rhea-AI Filing Summary

Columbia Financial, Inc. director Daria Stacy-Walls reported an acquisition of common stock units through a compensation arrangement. On March 6, 2026, a trustee purchased 269.9336 phantom stock units at $18.06 each under the Columbia Bank Stock Based Deferral Plan, a non-qualified stock-based deferral plan. These stock unit interests will be settled in shares of stock when they are distributed to her.

Following this award, she indirectly holds 28,323.9273 common stock units through the deferral plan, directly holds 8,048 common shares, and indirectly holds 3,207 common shares through a Stock Award IV that, according to the plan terms, vests in one year on March 11, 2026.

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
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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^*

Torres Daria Stacy-Walls

(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)
03/06/2026

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	03/06/2026		A		269.9336(1)	A	$18.06	28,323.9273	I	By Stock-Based Deferral Plan
Common Stock								8,048	D
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

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.

Remarks:

	/s/ Dennis E. Gibney, Power of Attorney	03/10/2026
	** 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 Columbia Financial (CLBK) report on this Form 4?

Columbia Financial director Daria Stacy-Walls reported an acquisition of 269.9336 phantom stock units. These units were purchased by a plan trustee at $18.06 each under a non-qualified stock-based deferral plan and will later be settled in shares.

Was the Columbia Financial (CLBK) Form 4 transaction an open-market stock purchase?

No, the transaction involved phantom stock purchased on a non-discretionary basis by a trustee in a rabbi trust. It was made under the Columbia Bank Stock Based Deferral Plan, not as an open-market trade initiated directly by the director.

How many Columbia Financial (CLBK) shares does the director hold after this Form 4?

After the reported award, the director indirectly holds 28,323.9273 common stock units through the deferral plan, directly holds 8,048 common shares, and indirectly holds 3,207 common shares through a Stock Award IV that vests on March 11, 2026.

What is the Columbia Bank Stock Based Deferral Plan mentioned for CLBK?

It is a non-qualified stock-based deferral plan where phantom stock is purchased by a trustee in a rabbi trust. Participants receive stock unit interests that are later settled in shares of Columbia Financial common stock upon distribution to the reporting person.

When do the Columbia Financial (CLBK) Stock Awards IV shares vest for the director?

The Stock Awards IV shares vest in one year on March 11, 2026. These awards were granted under the Columbia Financial, Inc. 2019 Equity Incentive Plan and are held indirectly by the director as part of her equity compensation.