{"schema_version":"secwatch.filing_event.v1","accession":"0001723596-24-000033","form_type":"8-K","ticker":"CLBK","cik":"0001723596","company_name":"Columbia Financial, Inc.","filed_at":"2024-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:25.258084+00:00","generated_at":"2026-06-06T18:23:32.731867+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Columbia Financial Q4 net income falls 70% to $6.6M; core earnings down 54%","bullets":["Net income $6.6M ($0.06 diluted EPS) vs $21.9M ($0.21) in Q4 2022.","Core net income declined 54.3% to $10.1M from $22.2M; higher interest expense and provision for credit losses cited.","Results include a one-time FDIC special assessment; annual meeting set for June 6, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001723596-24-000033","json":"https://secwatch.observer/filing/0001723596-24-000033.json","markdown":"https://secwatch.observer/filing/0001723596-24-000033.md","text":"https://secwatch.observer/filing/0001723596-24-000033.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1723596/000172359624000033/0001723596-24-000033-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1723596/000172359624000033/clbk-20240125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T18:23:32.731867+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":"32f8a411bfbe9cc9bec4acc0b4d784075cb812dd","claim":"Columbia Financial, Inc. reported the quarter and year ended December 31, 2023 results: net income $6.6 million, or $0.06 per basic and diluted share.","evidence_excerpt":"Columbia Financial, Inc. Announces Financial Results for the Fourth Quarter and Year Ended December 31, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1723596/000172359624000033/0001723596-24-000033-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and year ended December 31, 2023"},{"label":"Net income","value":"$6.6 million, or $0.06 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"}