STOCK TITAN

Columbia Financial (CLBK) risk chief awarded new phantom stock units

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

Rhea-AI Filing Summary

Klimowich John reported acquisition or exercise transactions in this Form 4 filing.

Columbia Financial, Inc. executive John Klimowich, SEVP & Chief Risk Officer, reported an automatic award of 37.1269 phantom common-stock units at $18.44 per unit under Columbia Bank’s stock-based deferral plan. These units are held in a rabbi trust and will be settled in shares to him later. The filing also updates his various direct and indirect holdings of common stock and stock options granted under the 2019 Equity Incentive Plan.

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Insider Klimowich John
Role SEVP & Chief Risk Officer
Type Security Shares Price Value
Grant/Award Common Stock 37.127 $18.44 $684.62
holding Stock Options (right to buy) -- -- --
holding Stock Options (right to buy) -- -- --
holding Stock Options (right to buy) -- -- --
holding Stock Options (right to buy) -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 8,299.843 shares (Indirect, By Stock-Based Deferral Plan); Stock Options (right to buy) — 188,235 shares (Direct); Common Stock — 60,769 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, 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. 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. 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. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable. 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. 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. 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.
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FAQ

What did Columbia Financial (CLBK) report in John Klimowich’s latest Form 4?

Columbia Financial reported that SEVP & Chief Risk Officer John Klimowich received 37.1269 phantom common-stock units at $18.44 each. The award was made under a stock-based deferral plan and the Form 4 also refreshed his reported stock and option holdings.

How many phantom stock units did John Klimowich receive from Columbia Financial (CLBK)?

John Klimowich received 37.1269 phantom stock units linked to Columbia Financial common stock. These units were purchased on a non-discretionary basis by a trustee under the Columbia Bank Stock Based Deferral Plan and will ultimately be settled in actual shares to him.

Was John Klimowich’s Columbia Financial (CLBK) Form 4 a stock purchase or an award?

The Form 4 reflects a grant or award acquisition, not an open-market purchase. Klimowich received 37.1269 phantom stock units through the Columbia Bank Stock Based Deferral Plan, with units credited to a rabbi trust and settled in shares upon distribution to him.

How are John Klimowich’s phantom stock units in Columbia Financial (CLBK) held?

The phantom stock units are held in a rabbi trust for Columbia Bank’s stock-based deferral plan. A trustee acquires the units on a non-discretionary basis, and the stock unit interests will be settled in Columbia Financial shares when they are ultimately distributed to Klimowich.

What other Columbia Financial (CLBK) equity holdings are updated in this Form 4?

The Form 4 updates Klimowich’s direct and indirect holdings of Columbia Financial common stock and multiple stock option grants. These options and awards were issued under the 2019 Equity Incentive Plan, with different tranches vesting over several years based on time and performance criteria.

What plan governs John Klimowich’s new Columbia Financial (CLBK) phantom stock units?

The phantom stock units were credited under the Columbia Bank Stock Based Deferral Plan, a non-qualified stock-based deferral arrangement. Units are represented as phantom stock, with future settlement in Columbia Financial common shares when distributions are made to Klimowich under the plan’s terms.
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*
Klimowich John

(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 & Chief Risk Officer
3. Date of Earliest Transaction (Month/Day/Year)
02/20/2026
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 02/20/2026 A 37.1269(1) A $18.44 8,299.8427 I By Stock-Based Deferral Plan
Common Stock 60,769 D
Common Stock 17,130 I By 401(k)
Common Stock 7,620 I By ESOP
Common Stock 7,051 I By SERP
Common Stock 4,214 I By SIM
Common Stock 13,781 I By Stock Award II(2)
Common Stock 12,068 I By Stock Award III(3)
Common Stock 11,723 I By Stock Award IV(4)
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(5) 07/23/2029 Common Stock 188,235 188,235 D
Stock Options (right to buy) $15.94 05/01/2024(6) 05/01/2033 Common Stock 12,030 12,030 D
Stock Options (right to buy) $16.49 03/06/2025(7) 03/06/2034 Common Stock 8,850 8,850 D
Stock Options (right to buy) $16.23 03/03/2026(8) 03/03/2035 Common Stock 20,310 20,310 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, 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 Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.
6. 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.
7. 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.
8. 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.
Remarks:
/s/ Dennis E. Gibney, Power of Attorney 02/24/2026
** 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.