Columbia Financial director buys, gifts shares

A Columbia Financial director bought and gifted small share amounts while retaining sizable fully vested stock options and indirect holdings.

Rhea-AI Filing Summary

Columbia Financial, Inc. (CLBK) director Noel R. Holland reported activity in the company’s common stock on September 3, 2026. He purchased 20 shares in an open-market or private transaction at $11.68 per share and on the same day made a bona fide gift of 20 shares, resulting in no net change in his share count from these two transactions.

He continues to hold stock options giving the right to acquire 183,246 shares of common stock at an exercise price of $7.10 per share, expiring July 23, 2029; these options are fully vested and exercisable. Indirect holdings include 29,817.9802 shares through a stock-based deferral plan, 109,316 shares through a SEP-IRA, and 6,494 shares through stock awards under the 2019 Equity Incentive Plan that vest in one year on March 12, 2027. No transactions are reported as having been made under a Rule 10b5-1 trading plan.

Insider Trade Summary

Net Buyer: 20 shares

Net Buy 6 txns

Insider Holland Noel R.

Role Director

Bought 20 shs ($233.60)

Type	Security	Shares	Price	Value
Purchase	Common Stock	20	$11.68	$233.60
Gift	Common Stock	20	$0.00	$0.00
holding	Stock Options (right to buy) F2	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock F1	--	--	--

Holdings After Transaction: Common Stock — 80,797 shares (Direct); Stock Options (right to buy) — 183,246 contracts (Direct); Common Stock — 29,817.9802 shares (Indirect, By Stock-Based Deferral Plan); Common Stock — 109,316 shares (Indirect, By SEP-IRA); Common Stock — 6,494 shares (Indirect, By Stock Award V)

Footnotes (2)

1. F1. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan which vest in one year on March 12, 2027.
2. F2. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.

Key Figures

Shares purchased: 20 shares Purchase price: $11.68 per share Shares gifted: 20 shares +5 more

8 metrics

Shares purchased 20 shares Common stock bought on September 3, 2026 in open-market or private transaction

Purchase price $11.68 per share Price paid for 20 shares of common stock on September 3, 2026

Shares gifted 20 shares Bona fide gift of common stock on September 3, 2026

Option exercise price $7.10 per share Exercise price of fully vested options for Columbia Financial common stock

Underlying option shares 183,246 shares Common shares underlying fully vested options expiring July 23, 2029

Stock-Based Deferral Plan holdings 29,817.9802 shares Indirect holdings of common stock through a stock-based deferral plan

SEP-IRA holdings 109,316 shares Indirect holdings of common stock through a SEP-IRA

Stock award holdings 6,494 shares Indirect holdings through stock awards vesting March 12, 2027

Key Terms

bona fide gift, Equity Incentive Plan, Stock-Based Deferral Plan, SEP-IRA, +1 more

5 terms

bona fide gift financial

"Bona fide gift"

A bona fide gift is a genuine, voluntary transfer of money, property, or benefits from one party to another made without expectation of repayment, services, or hidden conditions. Investors care because such gifts can affect company disclosures, related‑party transaction rules, tax treatment, and perceived conflicts of interest; think of it like someone giving you a present with no strings attached — but on a corporate scale, auditors and regulators need to verify it really is unconditional.

Equity Incentive Plan financial

"Columbia Financial, Inc. 2019 Equity Incentive Plan which vest in one year"

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.

Stock-Based Deferral Plan financial

"By Stock-Based Deferral Plan"

SEP-IRA financial

"By SEP-IRA"

fully vested and exercisable financial

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

FAQ

What insider stock purchase did CLBK director Noel R. Holland report?

He reported buying 20 shares of Columbia Financial common stock on September 3, 2026 at $11.68 per share in an open-market or private transaction.

Did the CLBK director also dispose of any shares in this filing?

Yes. On September 3, 2026, Noel R. Holland made a bona fide gift of 20 shares of Columbia Financial common stock, offsetting the 20 shares he purchased that day.

What stock options related to CLBK does Noel R. Holland hold after these transactions?

He holds options, fully vested and exercisable, to acquire 183,246 shares of Columbia Financial common stock at an exercise price of $7.10 per share, expiring on July 23, 2029.

What indirect holdings in CLBK stock does Noel R. Holland report?

He reports 29,817.9802 shares held through a stock-based deferral plan, 109,316 shares through a SEP-IRA, and 6,494 shares through stock awards under the 2019 Equity Incentive Plan.

When do Noel R. Holland’s CLBK stock awards vest?

The stock awards under the Columbia Financial, Inc. 2019 Equity Incentive Plan, covering 6,494 shares, vest in one year on March 12, 2027.

Were Noel R. Holland’s CLBK transactions made under a Rule 10b5-1 plan?

No. The filing indicates that no Rule 10b5-1 trading plan applies to the reported transactions.

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Available on EDGAR 09/04/2026 - 01:15 PM Accepted by SEC EDGAR 09/04/2026 - 01:15 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^*

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./MD/ [ CLBK ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/03/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form 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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/03/2026		P		20	A	$11.68	80,817	D
Common Stock	09/03/2026		G		20	D	$0	80,797	D
Common Stock								29,817.9802	I	By Stock-Based Deferral Plan
Common Stock								109,316	I	By SEP-IRA
Common Stock								6,494	I	By Stock Award V(1)

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)	$7.1							07/23/2020(2)	07/23/2029	Common Stock	183,246		183,246	D

Explanation of Responses:

1. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan which vest in one year on March 12, 2027.

2. 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 Attorney	09/04/2026
	** 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.
* Form 4: SEC 1474 (03-26)