{"schema_version":"secwatch.filing_event.v1","accession":"0001723596-22-000452","form_type":"8-K","ticker":"CLBK","cik":"0001723596","company_name":"Columbia Financial, Inc.","filed_at":"2022-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:51.888478+00:00","generated_at":"2026-06-23T00:53:20.194385+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Columbia Financial Q3 core net income up 17.5% to $22.7M; net interest margin expands 34 bps","bullets":["Net income of $20.9M ($0.19 diluted) vs $21.0M ($0.20 diluted) in prior-year quarter.","Core net income rose 17.5% to $22.7M; net interest income increased 20.6% to $69.2M.","Net interest margin expanded 34 bps to 3.01%; assets grew 8.5% to $10.0B.","Non-performing loans rose to $7.0M (0.10% of loans) from $3.9M; provision for credit losses was $1.5M.","Completed RSI Bank system conversion on Oct 15, 2022; repurchased 3.42M shares YTD for $71.8M."],"urls":{"canonical":"https://secwatch.observer/filing/0001723596-22-000452","json":"https://secwatch.observer/filing/0001723596-22-000452.json","markdown":"https://secwatch.observer/filing/0001723596-22-000452.md","text":"https://secwatch.observer/filing/0001723596-22-000452.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1723596/000172359622000452/0001723596-22-000452-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1723596/000172359622000452/clbk-20221026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T00:53:20.194385+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}