---
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"
generated_at: "2026-06-06T18:23:32.731867+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Columbia Financial Q4 net income falls 70% to $6.6M; core earnings down 54%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001723596-24-000033
- JSON: https://secwatch.observer/filing/0001723596-24-000033.json
- Plain text: https://secwatch.observer/filing/0001723596-24-000033.txt

## Key facts
- Earnings Releases
  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.
  - Period: the quarter and year ended December 31, 2023
  - Net income: $6.6 million, or $0.06 per basic and diluted share
  - Result: reported results
  source text: Columbia Financial, Inc. Announces Financial Results for the Fourth Quarter and Year Ended December 31, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1723596/000172359624000033/0001723596-24-000033-index.htm

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