Columbia Financial stresses strong liquidity and capital, no crypto/VC exposure

Columbia Financial, Inc.

Over $1.7B in available liquidity as of March 10; $84.2M cash, $1.3B FHLB capacity, $339M lines, $525.6M unpledged securities.
Tier 1 leverage ratio 10.68% at Dec 31; pro forma 9.18% if all AFS bonds sold, still double regulatory minimum.
Average depositor balance ~$37,000 across 210K accounts; no concentration or exposure to crypto, VC, or startups.
Unrealized AOCI loss on AFS securities $135.5M; no need to sell given ample liquidity and capital cushion.

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.