---
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"
generated_at: "2026-06-18T04:36:57.260168+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 8.01, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001723596-23-000101
- JSON: https://secwatch.observer/filing/0001723596-23-000101.json
- Plain text: https://secwatch.observer/filing/0001723596-23-000101.txt

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