---
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"
generated_at: "2026-06-18T04:36:54.453048+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Columbia Financial highlights $1.7B liquidity, strong cap ratios amid SVB/Silvergate fallout

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1723596/000172359623000103/0001723596-23-000103-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1723596/000172359623000103/clbk-20230312.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001723596-23-000103
- JSON: https://secwatch.observer/filing/0001723596-23-000103.json
- Plain text: https://secwatch.observer/filing/0001723596-23-000103.txt

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