Columbia Financial (CLBK) executive logs routine tax-withholding share disposition

Rhea-AI Filing Summary

Columbia Financial, Inc. executive Lewis Oliver Edward Jr., SEVP & Head Commercial Banking, reported a routine tax-withholding disposition of 392 shares of common stock on March 6, 2026 at $18.06 per share. These shares were withheld to cover tax obligations rather than sold on the open market. After this transaction, he holds 27,336 common shares directly, alongside multiple stock option grants with exercise prices ranging from $15.94 to $18.28 and expirations between 2029 and 2036, all under the company’s 2019 Equity Incentive Plan.

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

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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^*

Lewis Oliver Edward Jr

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	SEVP & Head Commercial Banking

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		F		392	D	$18.06	27,336(1)	D
Common Stock								4,904.8538	I	By Stock-Based Deferral Plan
Common Stock								6,521	I	By ESOP
Common Stock								2,919	I	By SERP
Common Stock								681	I	By SIM
Common Stock								13,265	I	By Stock Award III(2)
Common Stock								10,560	I	By Stock Award IV(3)
Common Stock								11,300	I	By Stock Award V(4)
Common Stock								11,772	I	Stock Award VI(5)

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)	$17							07/23/2020(6)	07/23/2029	Common Stock	17,647		17,647	D
Stock Options (right to buy)	$17.86							03/22/2022(6)	03/22/2031	Common Stock	57,026		57,026	D
Stock Options (right to buy)	$15.94							05/01/2024(7)	05/01/2033	Common Stock	11,579		11,579	D
Stock Options (right to buy)	$16.49							03/06/2025(8)	03/06/2034	Common Stock	8,518		8,518	D
Stock Options (right to buy)	$16.23							03/03/2026(9)	03/03/2035	Common Stock	19,576		19,576	D
Stock Options (right to buy)	$18.28							03/02/2027(10)	03/02/2036	Common Stock	20,000		20,000	D

Explanation of Responses:

1. The number of shares held directly includes certain shares that were previously held by Stock Award and that have subsequently vested.

2. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive plan, 25% of which vest in three approximately equal annual installments commencing on May 1, 2024; and the remaining 75% of which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award.

3. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive plan, 25% of which vest in three approximately equal annual installments commencing on March 6, 2025; and the remaining 75% of which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award.

4. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive plan, which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award on March 3, 2028.

5. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive plan, which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award on March 2, 2029.

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

7. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on May 1, 2024.

8. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 6, 2025.

9. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 3, 2026.

10. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 2, 2027.

Remarks:

	/s/ Dennis E. Gibney, Power of Attorney	03/10/2026
	** Signature of Reporting Person	Date
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FAQ

What insider transaction did CLBK executive Lewis Oliver Edward Jr. report?

He reported a tax-withholding disposition of 392 shares of Columbia Financial common stock. The shares were withheld at $18.06 each to satisfy tax obligations related to equity compensation, rather than sold in an open-market transaction.

How many Columbia Financial (CLBK) shares does Lewis Oliver Edward Jr. now hold directly?

Following the tax-withholding event, he directly holds 27,336 shares of Columbia Financial common stock. This figure reflects his remaining direct ownership after 392 shares were delivered to cover tax liabilities on March 6, 2026.

Was the CLBK Form 4 transaction an open-market sale of shares?

No, the Form 4 shows a tax-withholding disposition, not an open-market sale. The 392 shares were delivered to satisfy tax liabilities, a common administrative step when stock-based awards vest for executives.

What stock options does the CLBK executive retain after this Form 4 filing?

He retains several stock option grants on Columbia Financial common stock with exercise prices between $15.94 and $18.28. These options have expiration dates from 2029 through 2036 and were granted under the 2019 Equity Incentive Plan.

What role does Lewis Oliver Edward Jr. hold at Columbia Financial (CLBK)?

He serves as Senior Executive Vice President and Head of Commercial Banking at Columbia Financial. This senior leadership position explains his significant mix of direct shares, stock awards, and stock options reported in the Form 4 filing.

Does the CLBK Form 4 indicate any large directional trade by the executive?

The filing indicates only a small tax-withholding disposition of 392 shares, not a large directional trade. It primarily updates administrative details on his equity compensation and confirms his remaining direct and derivative holdings.