---
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"
generated_at: "2026-06-23T00:53:20.194385+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Columbia Financial Q3 core net income up 17.5% to $22.7M; net interest margin expands 34 bps

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001723596-22-000452
- JSON: https://secwatch.observer/filing/0001723596-22-000452.json
- Plain text: https://secwatch.observer/filing/0001723596-22-000452.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.