CLBK insider Form 4: new deferred shares and vested 83,294 options

Rhea-AI Filing Summary

Columbia Financial, Inc. (CLBK) director reports stock-related transactions and holdings. On 11/14/2025, the reporting person acquired 11.0611 shares of Columbia Financial common stock at $15.06 per share through a stock-based deferral plan, increasing indirect holdings under this plan to 9,990.6929 shares. In addition, the reporting person holds 33,519 shares of common stock directly, 46,280 shares indirectly through a SEP-IRA, and 3,207 shares indirectly as "Stock Award IV" granted under the 2019 Equity Incentive Plan that vests on March 11, 2026. The person also holds 83,294 stock options with a $15.60 exercise price, granted under the 2019 Equity Incentive Plan and fully vested and exercisable, each option representing the right to buy one share of common stock.

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

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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^*

Holland Noel R.

(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)
11/14/2025

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	11/14/2025		A		11.0611(1)	A	$15.06	9,990.6929	I	By Stock-Based Deferral Plan
Common Stock								33,519	D
Common Stock								46,280	I	By SEP-IRA
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
Stock Options (right to buy)	$15.6							07/23/2020(3)	07/23/2029	Common Stock	83,294		83,294	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 which vest in one year on March 11, 2026.

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

Remarks:

	/s/ Dennis E. Gibney, Power of Attorney	11/18/2025
	** 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 11/14/2025?

On 11/14/2025, a director of Columbia Financial, Inc. (CLBK) acquired 11.0611 shares of common stock at $15.06 per share through a stock-based deferral plan, as reported in a Form 4 filing.

How many Columbia Financial (CLBK) shares does the reporting person now own directly and indirectly?

After the reported transaction, the reporting person holds 33,519 shares of Columbia Financial common stock directly and indirect interests in 9,990.6929 shares via a stock-based deferral plan, 46,280 shares via a SEP-IRA, and 3,207 shares labeled as Stock Award IV.

What is the Columbia Financial (CLBK) stock-based deferral plan mentioned in the filing?

The filing explains that the deferral plan involves phantom stock purchased on a non-discretionary basis by a rabbi trust in connection with the Columbia Bank Stock Based Deferral Plan. Stock unit interests under this plan will be settled in shares of stock upon distribution to the reporting person.

What are the key terms of the Columbia Financial (CLBK) stock options held by the reporting person?

The reporting person holds 83,294 stock options with a $15.60 exercise price, granted under the 2019 Equity Incentive Plan. These options are reported as fully vested and exercisable, and they are scheduled to expire on 07/23/2029.

What is the Stock Award IV position disclosed for Columbia Financial (CLBK)?

The Form 4 shows 3,207 shares of Columbia Financial common stock held indirectly as Stock Award IV. The explanation states that these stock awards were granted under the 2019 Equity Incentive Plan and vest in one year on March 11, 2026.

What is the reporting person’s relationship to Columbia Financial (CLBK)?

The filing identifies the reporting person as a director of Columbia Financial, Inc. (CLBK). The Form 4 is filed by one reporting person, and no 10% owner status is checked.