{"schema_version":"secwatch.filing_event.v1","accession":"0001723596-23-000484","form_type":"8-K","ticker":"CLBK","cik":"0001723596","company_name":"Columbia Financial, Inc.","filed_at":"2023-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:30.189323+00:00","generated_at":"2026-06-09T11:07:15.655443+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 Q3 net income drops 56% to $9.1M; net interest margin shrinks to 2.06%","bullets":["GAAP EPS of $0.09 vs $0.20 YoY; core net income fell 60% to $9.1M.","Net interest income $48.5M, down 30% from $69.2M; net interest margin 206 bps vs 301 bps.","Non-performing loans rose to $15.2M (0.19% of loans) from $6.7M (0.09%).","Repurchased 4.1M shares for $78.3M at avg $19.08 during nine months; total deposits fell $298M.","Provision for credit losses increased to $2.4M from $1.5M; net charge-offs were $1.7M."],"urls":{"canonical":"https://secwatch.observer/filing/0001723596-23-000484","json":"https://secwatch.observer/filing/0001723596-23-000484.json","markdown":"https://secwatch.observer/filing/0001723596-23-000484.md","text":"https://secwatch.observer/filing/0001723596-23-000484.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1723596/000172359623000484/0001723596-23-000484-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1723596/000172359623000484/clbk-20231025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T11:07:15.655443+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":"1890b59e58144be40ddec63531897444f56067f9","claim":"Columbia Financial, Inc. reported the quarter ended September 30, 2023 results: net income $9.1 million, EPS $0.09 per basic and diluted share.","evidence_excerpt":"Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank (\"Columbia\") and Freehold Bank (\"Freehold\"), reported net income of $9.1 million, or $0.09 per basic and diluted share, for the quarter ended September 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1723596/000172359623000484/0001723596-23-000484-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2023"},{"label":"Net income","value":"$9.1 million"},{"label":"EPS","value":"$0.09 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"54a67d089a1575465fa5dd91d9b27714258d4e1c","claim":"Columbia Financial, Inc. reported the nine months ended September 30, 2023 results: net income $29.5 million, EPS $0.29 per basic and diluted share.","evidence_excerpt":"For the nine months ended September 30, 2023, the Company reported net income of $29.5 million, or $0.29 per basic and diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1723596/000172359623000484/0001723596-23-000484-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months ended September 30, 2023"},{"label":"Net income","value":"$29.5 million"},{"label":"EPS","value":"$0.29 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"}