STOCK TITAN

Columbia Financial (CLBK) director adds phantom stock units and options

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Columbia Financial, Inc. director Noel R. Holland reported a compensation-related acquisition of 8.0198 phantom stock units of common stock at $21.25 per unit under a stock-based deferral plan, held indirectly through a rabbi trust. After this credit, his deferral-plan balance is 10,079.3200 stock unit interests. He also reports unchanged holdings of common stock held directly, through a SEP-IRA, as stock awards that vest March 12, 2027, and fully vested options on 83,294 shares at $15.6000 per share expiring July 23, 2029.

Positive

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Insider Holland Noel R.
Role Director
Type Security Shares Price Value
Grant/Award Common Stock 8.02 $21.25 $170.42
holding Stock Options (right to buy) -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 10,079.32 shares (Indirect, By Stock-Based Deferral Plan); Stock Options (right to buy) — 83,294 shares (Direct); Common Stock — 36,726 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 12, 2027. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.
Stock unit award 8.0198 shares Phantom stock units credited on 2026-07-10 under the stock-based deferral plan
Award reference price 21.2500 per share Price per share used for the 8.0198-unit grant on 2026-07-10
Deferral plan balance 10,079.3200 shares Stock unit interests in the Columbia Bank Stock Based Deferral Plan after the award
Stock awards 2,952.0000 shares Common stock represented by stock awards vesting on March 12, 2027
SEP-IRA holdings 46,280.0000 shares Common shares held indirectly via a SEP-IRA
Direct common stock 36,726.0000 shares Common shares held directly by the reporting person
Options underlying shares 83,294.0000 shares Common shares underlying fully vested stock options expiring July 23, 2029
Option exercise price 15.6000 per share Exercise price of stock options granted under the 2019 Equity Incentive Plan
phantom stock financial
"Represents phantom stock purchased, on a non-discretionary basis, by the trustee"
A phantom stock is a form of compensation that gives employees or executives the benefits of stock ownership, such as the increase in stock value, without actually giving them real shares. It acts like a promise to pay the employee the equivalent value of company stock later, often as a bonus or incentive. This allows companies to motivate and reward staff without diluting ownership or transferring actual shares.
rabbi trust financial
"by the trustee of the Bank's rabbi trust maintained in connection"
A rabbi trust is a special account a company sets up to hold promised future pay for executives, like bonus or retirement money, so those employees can see there are funds earmarked for them. It matters to investors because it signals the company’s commitment to keep key people, but the money is still part of the company’s assets and can be claimed by creditors if the company goes bankrupt—think of it as a labeled jar that isn’t completely off-limits.
non-qualified stock-based deferral plan financial
"the Columbia Bank Stock Based Deferral Plan, a non-qualified stock-based deferral plan"
Stock Options (right to buy) financial
"security_title": "Stock Options (right to buy)""
Equity Incentive Plan financial
"granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan"
An equity incentive plan is a program that gives employees, executives or directors the right to receive company stock or options to buy stock as part of their pay. Think of it as offering slices of future company profit to motivate people to boost long‑term performance; for investors it matters because it can align employee goals with shareholder value but also increases the number of shares outstanding, which can dilute existing ownership.
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FAQ

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

Noel R. Holland indirectly acquired 8.0198 phantom stock units of Columbia Financial common stock at $21.25 per unit. The units were credited under the Columbia Bank Stock Based Deferral Plan and are held through a rabbi trust, to be settled in shares upon distribution.

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

Holland reports 36,726.0000 shares held directly, 46,280.0000 shares via a SEP-IRA, and 2,952.0000 shares as stock awards vesting in 2027. His stock-based deferral plan balance is 10,079.3200 stock unit interests linked to Columbia Financial common stock.

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

Holland holds fully vested stock options on 83,294.0000 shares of Columbia Financial common stock, with an exercise price of $15.6000 per share and an expiration date of July 23, 2029. These options were granted under the 2019 Equity Incentive Plan.

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

The Columbia Bank Stock Based Deferral Plan is a non-qualified stock-based deferral plan where a trustee purchases phantom stock on a non-discretionary basis for a rabbi trust. Participants receive stock unit interests that will be settled in Columbia Financial shares upon distribution.

When do Noel R. Holland’s Columbia Financial (CLBK) stock awards vest?

Stock awards held by Holland under the Columbia Financial, Inc. 2019 Equity Incentive Plan are scheduled to vest on March 12, 2027. These awards represent 2,952.0000 shares of common stock, shown as indirect holdings labeled as Stock Award V.

Was Noel R. Holland’s CLBK Form 4 transaction an open-market trade?

No, the reported activity reflects a grant or award acquisition of 8.0198 phantom stock units in a stock-based deferral plan, not an open-market purchase or sale. Other entries in the Form 4 are holdings updates for existing direct, IRA, award, and option positions.
SEC Form 4
FORM 4UNITED 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 NEW JERSEY 07410

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
Columbia Financial, Inc. [ CLBK ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
07/10/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

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)
CodeVAmount(A) or (D)Price
Common Stock07/10/2026A8.0198(1)A$21.2510,079.32IBy Stock-Based Deferral Plan
Common Stock36,726D
Common Stock46,280IBy SEP-IRA
Common Stock2,952IStock Award V(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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Stock Options (right to buy)$15.607/23/2020(3)07/23/2029Common Stock83,29483,294D
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 12, 2027.
3. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.
Remarks:
/s/ Thomas F. Splaine, Jr., Power of Attorney07/14/2026
** Signature of Reporting PersonDate
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.
* Form 4: SEC 1474 (03-26)