{"schema_version":"secwatch.filing_event.v1","accession":"0001723596-23-000103","form_type":"8-K/A","ticker":"CLBK","cik":"0001723596","company_name":"Columbia Financial, Inc.","filed_at":"2023-03-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:46.315589+00:00","generated_at":"2026-06-18T04:36:54.453048+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 highlights $1.7B liquidity, strong cap ratios amid SVB/Silvergate fallout","bullets":["Immediate funding access of over $1.7B as of Mar 10, 2023; cash $84.2M, FHLB capacity $1.3B, $339M correspondent lines.","Tier 1 leverage ratio 10.68% at Dec 31, 2022; pro forma 9.18% even if all AFS bonds sold, more than double regulatory minimum.","No exposure to crypto, venture capital, or startup deposits/loans; average depositor balance ~$37K across 210K accounts.","AOCI unrealized loss on AFS securities $135.5M; defined benefit plan $44.3M (83% overfunded); no need to sell securities.","Conservative community bank strategy with diverse depositor base and low problem loans, unlike Silicon Valley and Silvergate."],"urls":{"canonical":"https://secwatch.observer/filing/0001723596-23-000103","json":"https://secwatch.observer/filing/0001723596-23-000103.json","markdown":"https://secwatch.observer/filing/0001723596-23-000103.md","text":"https://secwatch.observer/filing/0001723596-23-000103.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1723596/000172359623000103/0001723596-23-000103-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1723596/000172359623000103/clbk-20230312.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-18T04:36:54.453048+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"}