{"schema_version":"secwatch.filing_event.v1","accession":"0001723596-23-000101","form_type":"8-K","ticker":"CLBK","cik":"0001723596","company_name":"Columbia Financial, Inc.","filed_at":"2023-03-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:46.316410+00:00","generated_at":"2026-06-18T04:36:57.260168+00:00","sec_items":["8.01","7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Columbia Financial stresses strong liquidity and capital, no crypto/VC exposure","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001723596-23-000101","json":"https://secwatch.observer/filing/0001723596-23-000101.json","markdown":"https://secwatch.observer/filing/0001723596-23-000101.md","text":"https://secwatch.observer/filing/0001723596-23-000101.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1723596/000172359623000101/0001723596-23-000101-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1723596/000172359623000101/clbk-20230312.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-18T04:36:57.260168+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"}