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.
Columbia Financial, Inc. executive Thomas Splaine Jr, EVP and CFO, filed an initial ownership statement showing his equity holdings in the company. He beneficially owns 1,177 shares of common stock indirectly through a stock award and holds 9,176 stock options directly.
The stock awards and options were granted under the 2019 Equity Incentive Plan and both vest in three approximately equal annual installments starting on March 3, 2026. The stock options are exercisable at $16.23 per share and are scheduled to expire on March 3, 2035.
Columbia Financial and Northfield Bancorp plan a strategic merger tied to a corporate restructuring and stock offering. Columbia Bank will complete a “second-step” conversion to a fully public stock holding company, with existing Columbia shareholders exchanging their shares for stock in a new holding company that will sell shares in a public offering.
After the conversion and offering close, the new holding company and Columbia Bank intend to acquire Northfield Bancorp and Northfield Bank, creating a combined community bank with more than $18 billion in assets and an expanded footprint in New Jersey, Staten Island, and Brooklyn. Approvals from regulators, Columbia and Northfield shareholders, and mutual holding company members are required, and closing is currently expected in the third quarter of 2026, followed by full systems integration in the first quarter of 2027. The companies highlight potential customer, employee, and scale benefits but also list extensive forward‑looking risks, including regulatory, integration, market, and valuation uncertainties.
Columbia Financial and Northfield Bancorp plan a merger valued at about $597 million, or 0.86x Northfield’s tangible book value, alongside Columbia’s second-step conversion to a fully public holding company. The deal is targeted to close early in the third quarter of 2026, subject to regulatory and shareholder approvals.
Columbia expects roughly 50% earnings accretion in 2027, with tangible book value dilution of 4.4% and an earn-back period of about 1.8 years. Pro forma projections include about $200 million of earnings, a 1.06% return on average assets, and an efficiency ratio near 48%, reflecting anticipated cost and revenue benefits.
The combined franchise will add approximately $1.8 billion in New Jersey deposits and expand across more than 100 branches in New Jersey, Brooklyn, and Staten Island, positioning Columbia as a leading community bank in these markets. Management highlights conservative credit cultures at both banks, with pro forma commercial real estate to total capital of 211% and a detailed independent review producing an $81 million credit mark on Northfield’s loans, or 2.1% of loans.
Columbia Financial, Inc. announced a major restructuring that combines a mutual-to-stock conversion with an all‑stock holding company merger with Northfield Bancorp, Inc. Columbia Bank will convert to a fully public holding company structure, with new shares of the Maryland holding company sold to depositors and the public.
After the conversion, Northfield will merge into the new holding company, and Northfield Bank will merge into Columbia Bank. Northfield shareholders can elect either stock or cash, initially 1.425 holding company shares or $14.25 per Northfield share, with both the exchange ratio and cash amount increasing if the independent valuation exceeds $2.3 billion and $2.6 billion tiers.
The plan gives first‑priority subscription rights to eligible Columbia Bank depositors as of December 31, 2024. The merger and conversion require multiple regulatory and stockholder approvals, and the agreement includes termination fees up to $23.7 million in certain third‑party deal scenarios and $6 million in other specified cases.
Columbia Financial, Inc. plans a major restructuring that converts Columbia Bank from a mutual holding company structure into a fully public stock holding company and then merges Northfield Bancorp, Inc. into a new Maryland holding company for Columbia Bank. Existing Columbia public shareholders will exchange their shares for stock in the new holding company, while eligible Columbia Bank depositors and the public can buy new shares in a conversion offering based on an independent valuation.
Northfield shareholders may elect either stock or cash, with consideration tied to Columbia’s final appraised value and a cap that limits cash elections to 30% of Northfield shares. The deal includes detailed treatment of Northfield equity awards, board and management roles for Northfield leaders in the combined organization, customary regulatory and shareholder approvals, tax reorganization opinions, and termination fees up to $23.7 million under specified circumstances.
Columbia Financial, Inc. furnished an update on its performance by issuing a press release covering financial results for the quarter and year ended December 31, 2025.
The company used a current report on Form 8-K to make this information public, attaching the full press release as Exhibit 99.1 instead of detailing the results within the report itself.
Columbia Financial, Inc. announced leadership changes and a new incentive plan. The board promoted Dennis E. Gibney from Senior Executive Vice President and Chief Financial Officer to First Senior Executive Vice President and Chief Banking Officer. Thomas Splaine, Jr. was appointed Executive Vice President and Chief Financial Officer.
Gibney’s base salary was set at $700,000, with annual and long-term incentive targets of 70% and 100% of salary. Splaine’s base salary was set at $425,000, with incentive targets of 50% and 50%. The company also adopted a 2026 Phantom Stock Plan, allowing eligible employees and directors to receive cash payments equal to the fair market value of shares upon vesting, based on the Nasdaq last sale price on the vesting date.
Columbia Financial, Inc. President & CEO Thomas J. Kemly, who is also a director, reported an acquisition of common stock–linked phantom units on January 23, 2026. A trustee purchased 116.7624 phantom stock units at $15.91 each under the Columbia Bank Stock Based Deferral Plan, a non-qualified stock-based deferral plan. These stock unit interests will be settled in Columbia Financial common shares when they are distributed to him.
Following this transaction, Kemly held 66,722.6193 units through the stock-based deferral plan, along with additional common stock positions held directly and through vehicles such as a 401(k), ESOP, SERP, spouse holdings, and performance-based stock awards. He also reported multiple stock option grants under the 2019 Equity Incentive Plan, with exercise prices between $15.60 and $16.49 and expirations from July 23, 2029 to March 3, 2035, subject to the vesting schedules described.
Columbia Financial, Inc. executive John Klimowich, SEVP & Chief Risk Officer, reported an automatic acquisition of 43.0308 phantom shares of common stock on January 23, 2026 through the Columbia Bank Stock Based Deferral Plan at $15.91 per share. These stock unit interests are held in a rabbi trust and will be settled in shares of stock when they are distributed to him, bringing his deferred plan balance to 8,225.7493 units, reported as indirectly owned.
The filing also lists existing holdings, including 60,769 shares of common stock held directly and additional indirect holdings through a 401(k), ESOP, SERP, and stock awards. Klimowich also holds several blocks of stock options under the 2019 Equity Incentive Plan, such as 188,235 options at $15.60 expiring in 2029 and smaller grants at exercise prices of $15.94, $16.49, and $16.23, which vest over time according to service- and performance-based criteria.
Columbia Financial, Inc. director Torres Daria Stacy-Walls reported additional stock-based compensation tied to the company’s common stock. On January 23, 2026, the trustee of Columbia Bank’s rabbi trust purchased 306.4111 phantom stock units under the Columbia Bank Stock Based Deferral Plan at $15.91 per unit, to be settled later in shares of stock when amounts are distributed to the director. Following this transaction, 27,790.7648 units are held indirectly through the stock-based deferral plan. The director also holds 8,048 shares directly and 3,207 shares indirectly through “Stock Award IV,” which consists of awards under the 2019 Equity Incentive Plan that vest on March 11, 2026.