{"schema_version":"secwatch.filing_event.v1","accession":"0001723596-24-000186","form_type":"8-K","ticker":"CLBK","cik":"0001723596","company_name":"Columbia Financial, Inc.","filed_at":"2024-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:19.748050+00:00","generated_at":"2026-06-03T04:34:57.527419+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Columbia Financial posts Q1 net loss of $1.2M vs net income $18.7M YoY; NIM shrinks to 1.75%","bullets":["Net loss of $1.2M ($0.01 diluted EPS) versus net income of $18.7M ($0.18) in Q1 2023.","Net interest income fell 30.7% to $42.2M; net interest margin dropped 83 bps to 1.75%.","Provision for credit losses surged to $5.3M from $175k; net charge-offs were $5.0M.","Non-performing loans rose to $22.9M (0.30% of loans) from $12.6M (0.16%) at Dec 2023.","Company reaffirms net interest margin stabilization; repurchased 101,516 shares for $1.7M."],"urls":{"canonical":"https://secwatch.observer/filing/0001723596-24-000186","json":"https://secwatch.observer/filing/0001723596-24-000186.json","markdown":"https://secwatch.observer/filing/0001723596-24-000186.md","text":"https://secwatch.observer/filing/0001723596-24-000186.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1723596/000172359624000186/0001723596-24-000186-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1723596/000172359624000186/clbk-20240430.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T04:34:57.527419+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":"2d6c68ec3f241e2137759de3e90ac820b7b18425","claim":"Columbia Financial, Inc. reported the three months ended March 31, 2024 results: net income net loss of $1.2 million, EPS $0.01 per basic and diluted share.","evidence_excerpt":"reported a net loss of $1.2 million, or $0.01 per basic and diluted share, for the quarter ended March 31, 2024","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1723596/000172359624000186/0001723596-24-000186-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2024"},{"label":"Net income","value":"net loss of $1.2 million"},{"label":"EPS","value":"$0.01 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"}