{"schema_version":"secwatch.filing_event.v1","accession":"0001723596-23-000035","form_type":"8-K","ticker":"CLBK","cik":"0001723596","company_name":"Columbia Financial, Inc.","filed_at":"2023-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:46.315785+00:00","generated_at":"2026-06-20T09:35:00.892145+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Columbia Financial Q4 net income $21.9M ($0.21/share) down 6.2% YoY; full-year net income $86.2M","bullets":["Net income $21.9M for Q4 2022 vs $23.3M in Q4 2021; EPS $0.21 vs $0.23. Full-year net income $86.2M vs $92.0M.","Net interest margin expanded 12 bps to 2.91% in Q4; net interest income up 12.2% to $68.4M.","Provision for credit losses was $1.0M in Q4 vs a $7.4M reversal in Q4 2021; full-year provision $5.5M vs $10.0M reversal.","Loans receivable net grew 21.1% to $7.6B, including $335.5M from RSI Bank acquisition; total assets $10.4B (+12.8%).","Board authorized 5th buyback program for up to 3M shares; shares repurchased in 2022 totaled 4.46M at $21.05 each."],"urls":{"canonical":"https://secwatch.observer/filing/0001723596-23-000035","json":"https://secwatch.observer/filing/0001723596-23-000035.json","markdown":"https://secwatch.observer/filing/0001723596-23-000035.md","text":"https://secwatch.observer/filing/0001723596-23-000035.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1723596/000172359623000035/0001723596-23-000035-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1723596/000172359623000035/clbk-20230125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T09:35:00.892145+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":[{"claim_id":"af86b05d6a8499c9a50895a20f2da3ce79888b4e","claim":"Columbia Financial, Inc. reported the quarter ended December 31, 2022 results: net income $21.9 million, EPS $0.21 per basic and diluted share.","evidence_excerpt":"Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank (\"Columbia\") and Freehold Bank (\"Freehold\"), reported net income of $21.9 million, or $0.21 per basic and diluted share, for the quarter ended December 31, 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1723596/000172359623000035/0001723596-23-000035-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2022"},{"label":"Net income","value":"$21.9 million"},{"label":"EPS","value":"$0.21 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"cfe08eed0d916a2d01ee8d3382935c2ef0ee4adf","claim":"Columbia Financial, Inc. reported the year ended December 31, 2022 results: net income $86.2 million, EPS $0.82 per basic and $0.81 per diluted share.","evidence_excerpt":"For the year ended December 31, 2022, the Company reported net income of $86.2 million, or $0.82 per basic and $0.81 per diluted share, as compared to net income of $92.0 million, or $0.88 per basic and diluted share, for the year ended December 31, 2021","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1723596/000172359623000035/0001723596-23-000035-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2022"},{"label":"Net income","value":"$86.2 million"},{"label":"EPS","value":"$0.82 per basic and $0.81 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}