Columbia Financial enters merger agreement with Northfield Bancorp, plans conversion to public stock holding company

Columbia Financial, Inc.

Columbia Financial and Northfield Bancorp executed Merger Agreement on Jan 31, 2026, unanimously approved by both boards.
Northfield shareholders may elect stock or cash consideration; exchange ratio varies based on final appraisal thresholds of $2.3B and $2.6B.
Post-merger, Steven M. Klein of Northfield appointed Senior EVP and COO of holding company and Columbia Bank.
Termination fee of $23.7 million payable by either party under certain circumstances.

Key facts

Extracted from this filing and checked against the source text.

Material Agreements SEC 8-K Item 1.01/1.02 confidence 0.9

Columbia Financial, Inc. entered into Agreement and Plan of Merger with Northfield Bancorp, Inc. (effective 2026-01-31).

Action: entry
Agreement: merger
Counterparty: Northfield Bancorp, Inc.
Effective: 2026-01-31

Exact text from the filing

On January 31, 2026, Columbia Financial, Inc., a Delaware corporation (the “ Company ”), entered into an Agreement and Plan of Merger (the “ Merger Agreement ”) with Columbia Financial, Inc., a newly-formed Maryland corporation (the “ Holding Company ”), Columbia Bank MHC, the parent mutual holding company of the Company (the “ MHC ”), and Northfield Bancorp, Inc., a Delaware corporation (“ Northfield ”).

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Columbia Financial, Inc. filing history →

Source: SEC EDGAR

accession 0001104659-26-008967

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