Welcome to our dedicated page for Columbia Financ SEC filings (Ticker: CLBK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Columbia Financial, Inc. (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank. Through these filings, investors can review detailed disclosures on the company’s financial condition, results of operations, capital management, and significant corporate events.
Columbia Financial, Inc. uses current reports on Form 8-K to announce material events. Recent 8-K filings have covered quarterly earnings releases, including financial results for periods ended March 31, June 30, and September 30, as well as the year ended December 31. These filings typically reference press releases furnished as exhibits that discuss net interest income, interest expense on deposits and borrowings, provision for credit losses, non-interest income and expense, net interest margin, and overall net income or loss.
Other 8-K filings describe corporate actions and governance matters. For example, the company has filed 8-Ks regarding authorization of a stock repurchase program to acquire up to 1,800,000 shares of common stock, including details on regulatory non-objection, permitted repurchase methods, and program terms. Additional 8-Ks disclose executive officer changes, such as the planned end date of employment for a Senior Executive Vice President and Chief Operating Officer, and the availability of investor presentations outlining operating and growth strategies.
Annual reports on Form 10-K and quarterly reports on Form 10-Q, when accessed alongside these current reports, provide comprehensive information on Columbia Financial, Inc.’s loan portfolio composition, deposit base, funding sources, balance sheet repositioning transactions, asset quality metrics, and risk factors. These filings also describe the company’s structure as a Delaware corporation and majority-owned subsidiary of Columbia Bank, MHC, and its role as the holding company for Columbia Bank, a federally chartered savings bank headquartered in Fair Lawn, New Jersey.
Stock Titan’s platform enhances these filings by delivering real-time updates from the SEC’s EDGAR system and AI-powered summaries that highlight key points from lengthy documents. Users can quickly identify important information in 10-K and 10-Q reports, track material events reported on Form 8-K, and review disclosures related to capital actions such as stock repurchase programs. Insider transaction reports on Form 4, where available, can also be monitored to see reported purchases and sales by directors and executive officers.
By combining Columbia Financial, Inc.’s official SEC filings with AI-generated insights, this page helps readers understand how the company describes its performance, strategy, and risk profile in its own regulatory disclosures.
Lucy Sorrentini, a director of Columbia Financial, Inc. (CLBK), reported changes in her beneficial ownership tied to company compensation plans. On 08/08/2025 she received 166.7537 phantom stock units purchased by the trustee of a rabbi trust under the Columbia Bank Stock Based Deferral Plan at a reported unit price of $14.33; those units are indirect holdings and will be settled in shares upon distribution. The filing also discloses a disposition of 11,664 common shares and indirect beneficial ownership of 3,207 shares from a stock award that vests on March 11, 2026. The Form 4 was filed by one reporting person and identifies Sorrentini as a director.
Columbia Financial director Noel R. Holland reported transactions on 08/08/2025. The filing shows an acquisition through the company's stock-based deferral plan (phantom stock purchased by a rabbi trust) and a separate disposal of 33,519 common shares. The table lists indirect holdings of 46,280 shares in a SEP-IRA and 3,207 shares attributed to a Stock Award IV.
The report also discloses 83,294 stock options outstanding that are exercisable through 07/23/2029 with an exercise price of $15.60. Stock Awards noted in the filing vest on 03/11/2026. The acquisition via the deferral plan is described as phantom stock units that will be settled in shares upon distribution. The form was signed by a power of attorney on 08/12/2025.
Randall Elizabeth E., a director of Columbia Financial, Inc. (CLBK) reported transactions dated 08/08/2025. She acquired 172.1333 phantom common stock units under the Columbia Bank Stock Based Deferral Plan at $14.33 per unit; those units will be settled in shares upon distribution. The filing also shows a disposition of 39,934 common shares and indirect holdings of 44,447 shares in an IRA, 6,704 in a Roth IRA, and 3,207 via Stock Award IV. She holds 62,474 exercisable stock options (exercise price $15.60) granted 07/23/2020 that expire 07/23/2029. Stock Awards vest on March 11, 2026. Form signed by Dennis E. Gibney, POA, on 08/12/2025.
Jennings William Justin, EVP and Director at Columbia Financial, Inc. (CLBK), reported multiple stock-based transactions and holdings. On 08/08/2025 he acquired 3,126.226 phantom stock units under the Bank's Stock Based Deferral Plan at an implied price of $14.33; those units will be settled in shares upon distribution. The report also discloses indirect holdings of 3,116 shares via an ESOP, 608 via a SERP, 7,795 from a Stock Award II and 7,533 from a Stock Award III. Option positions include 41,475 options at $21.79 (fully vested, exercisable through 03/21/2032), 5,715 options at $16.49 (vesting begins 03/06/2025, exp. 03/06/2034) and 13,051 options at $16.23 (vesting begins 03/03/2026, exp. 03/03/2035).
Columbia Financial EVP & CHRO Jenifer White reported insider transactions dated 08/08/2025 involving common stock, deferred units and several equity awards. The filing records an acquisition of phantom stock units under the Columbia Bank Stock Based Deferral Plan at $14.33 per unit to be settled in shares, and a reported disposition of 3,352 common shares.
The filing also discloses multiple indirect holdings through an ESOP, SERP, SIM and several stock awards that vest over time or upon performance, plus four separate option grants exercisable into common stock with strikes of $20.54, $15.94, $16.49 and $16.23 and expirations in 2032–2035. These entries reflect compensation-related awards and long-term incentives rather than an extraordinary market action.
Kemly Thomas J., who serves as President & CEO and a director of Columbia Financial, Inc. (CLBK), reported insider transactions dated 08/08/2025. The filing shows a disposition of 233,808 common shares and the purchase of 124.7125 phantom stock units under the company’s rabbi trust at a price of $14.33 per unit; those phantom units are to be settled in shares upon distribution. Following the reported transactions, the filing lists 65,320.1776 shares beneficially owned, many held indirectly through plans including a 401(k), ESOP, SERP, spouse, and multiple stock award vehicles.
The report also discloses outstanding stock option positions granted under the 2019 Equity Incentive Plan: 656,471 options at $15.60 (fully vested, exp. 07/23/2029), 37,894 at $15.94 (exp. 05/01/2033), 37,168 at $16.49 (exp. 03/06/2034), and 94,749 at $16.23 (exp. 03/03/2035). Several stock awards include time- and performance-based vesting conditions described in the filing.
Columbia Financial, Inc. reported improved core earnings for the quarter ended June 30, 2025. Net income was $12.3 million for the quarter and $21.2 million for the six months, compared with $4.5 million and $3.4 million in the prior-year periods, driven by higher net interest income of $53.7 million in the quarter (up from $44.1 million) and lower interest expense on borrowings. Loans receivable grew to $8.18 billion from $7.92 billion at year-end, and total assets rose to $10.74 billion. Stockholders' equity increased to $1.1207 billion.
Key risk and liquidity items are visible in the quarterly statements: debt securities available for sale carried significant unrealized losses (approximately $98.8 million), non-accrual loans increased to $39.5 million from $21.7 million, and the company used $289.3 million in investing cash flows while increasing borrowings to $1.273 billion. The allowance for credit losses rose to $64.5 million. Overall, results show stronger profitability and balance sheet growth but with heightened credit and investment-mark-to-market pressures.
Columbia Financial (CLBK) – Form 4 insider filing
President & CEO Thomas J. Kemly acquired 127.0176 common shares on 07/25/2025 at $14.07 under the non-discretionary Columbia Bank Stock-Based Deferral Plan (code “A”). No shares were sold.
Post-transaction holdings: 233,808 shares held directly; 187,742 shares across 401(k), ESOP, SERP, SIM and spouse; 154,383 performance/ time-based stock awards; 65,195 shares in the deferral plan. Kemly also reports 826,282 stock options with exercise prices of $15.60-$16.49 expiring 2029-2035.
The purchase is modest (~$1.8 k) relative to existing ownership and was executed automatically, offering limited incremental signal to investors.
Columbia Financial, Inc. (CLBK) – Form 4 insider filing
Senior EVP & Chief Risk Officer John Klimowich reported a minor acquisition on 07/25/2025. Via the Columbia Bank Stock-Based Deferral Plan he was credited with 45.3727 phantom stock units at $14.07 each (≈ $0.6 k). Phantom units convert to common shares upon distribution; no open-market activity was disclosed.
Post-transaction ownership
- Direct: 60,769 common shares.
- Indirect: 7,678.8499 phantom units (deferral plan), 17,130 (401-k), 7,620 (ESOP), 7,051 (SERP), 4,214 (SIM) and 37,572 share equivalents from incentive stock awards.
- Derivatives: 229,425 option shares across four grants, strike prices $15.60-$16.49, expiring 2029-2035; 188,235 options are already fully vested.