Columbia Financial director adds deferred stock units

Columbia Financial, Inc. director Daria Stacy-Walls Torres reported an automatic acquisition of phantom stock tied to company shares.

Rhea-AI Filing Summary

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 $18.52 each through 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 upon distribution to her. Following this transaction, she indirectly held 28,053.9937 common-share-equivalent units through the deferral plan, in addition to 8,048 common shares held directly and 3,207 common shares held indirectly via a Stock Award IV grant that vests on March 11, 2026.

Insider Trade Summary

Grant/Award: 263.2289 shares

Grant/Award 3 txns

Insider Torres Daria Stacy-Walls

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	263.2289	$18.52	$5K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 28,053.9937 shares (Indirect, By Stock-Based Deferral Plan); Common Stock — 8,048 shares (Direct); Common Stock — 3,207 shares (Indirect, By Stock Award IV)

Footnotes (2)

1. F1. 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. F2. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan which vest in one year on March 11, 2026.

FAQ

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What insider transaction did CLBK director Daria Stacy-Walls Torres report?

She reported an automatic acquisition of 263.2289 phantom stock units on February 6, 2026, at $18.52 per unit. These units were credited under the Columbia Bank Stock Based Deferral Plan and will ultimately be settled in Columbia Financial, Inc. common shares.

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

After the reported transaction, she indirectly held 28,053.9937 common-share-equivalent units through the stock-based deferral plan, plus 8,048 common shares directly and 3,207 common shares indirectly via Stock Award IV, according to the Form 4 holdings table.

What is the Columbia Bank Stock Based Deferral Plan mentioned in the CLBK Form 4?

It is a non-qualified stock-based deferral plan where phantom stock is purchased on a non-discretionary basis by a trustee. The stock unit interests under this plan are later settled in Columbia Financial, Inc. common shares when distributions are made to the participating director.

What is the nature of the indirect ownership reported for CLBK phantom stock units?

The 28,053.9937 common-share-equivalent units are held indirectly "By Stock-Based Deferral Plan." A trustee of the bank’s rabbi trust purchases the phantom stock, and these units represent interests that will be settled in actual shares upon distribution.

What are the Stock Award IV holdings disclosed for Columbia Financial (CLBK)?

The Form 4 shows 3,207 common shares held indirectly under "Stock Award IV." A footnote explains these stock awards were granted under the 2019 Equity Incentive Plan and vest in one year on March 11, 2026, subject to plan terms.

Does this CLBK Form 4 indicate any sale of Columbia Financial shares?

No sale is reported. The only transaction code shown is "A" for an acquisition of 263.2289 phantom stock units. The other figures in the table represent updated beneficial holdings, both direct and indirect, after this automatic deferral-plan purchase.

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Accepted by SEC EDGAR 02/10/2026 - 12:34 PM Learn about SEC filing dates

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^*

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)
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		263.2289(1)	A	$18.52	28,053.9937	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	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.