{"schema_version":"secwatch.filing_event.v1","accession":"0001723596-23-000179","form_type":"8-K","ticker":"CLBK","cik":"0001723596","company_name":"Columbia Financial, Inc.","filed_at":"2023-04-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:40.238732+00:00","generated_at":"2026-06-16T13:11:43.066174+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Columbia Financial Q1 net income falls 8.2% to $18.7M; net interest margin compresses","bullets":["Net income $18.7M ($0.18 EPS) vs $20.4M ($0.20 EPS) a year ago; core net income $19.8M, down 10.8%.","Net interest margin narrowed 40 bps to 2.58% as funding costs rose faster than asset yields.","Total deposits fell $327M (4.1%) from Dec 2022; borrowings increased $579.6M (51.4%).","Repurchased 2.4M shares at $19.90/share for $47.3M during the quarter.","Non-performing loans stable at 0.09% of gross loans; allowance for credit losses at 0.68%."],"urls":{"canonical":"https://secwatch.observer/filing/0001723596-23-000179","json":"https://secwatch.observer/filing/0001723596-23-000179.json","markdown":"https://secwatch.observer/filing/0001723596-23-000179.md","text":"https://secwatch.observer/filing/0001723596-23-000179.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1723596/000172359623000179/0001723596-23-000179-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1723596/000172359623000179/clbk-20230426.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T13:11:43.066174+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":[{"claim_id":"fa804a73535160c9c33fd431b4f702b00ed8cfa8","claim":"Columbia Financial, Inc. reported the three months ended March 31, 2023 results: net income $18.7 million, EPS $0.18 per basic and diluted share.","evidence_excerpt":"reported net income of $18.7 million, or $0.18 per basic and diluted share, for the quarter ended March 31, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1723596/000172359623000179/0001723596-23-000179-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2023"},{"label":"Net income","value":"$18.7 million"},{"label":"EPS","value":"$0.18 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}