{"schema_version":"secwatch.filing_event.v1","accession":"0001723596-24-000324","form_type":"8-K","ticker":"CLBK","cik":"0001723596","company_name":"Columbia Financial, Inc.","filed_at":"2024-07-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:14.279182+00:00","generated_at":"2026-05-31T14:26:30.550296+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Columbia Financial Q2 net income $4.5M; core net income down 55% YoY; NIM 1.81%","bullets":["Net income $4.5M ($0.04 EPS) vs $1.7M ($0.02) YoY; core net income $5.3M down 54.9% from $11.7M.","Net interest margin fell 36 bps to 1.81%; interest expense up 53.8% on higher deposit costs.","Provision for credit losses $2.2M (up $1.1M); non-performing loans doubled to $25.3M (0.33% of loans).","Stock repurchases paused; 365K shares repurchased at $16.14 in H1.","Uninsured deposits 26.6% of total ($2.1B); new Camden branch in southern NJ."],"urls":{"canonical":"https://secwatch.observer/filing/0001723596-24-000324","json":"https://secwatch.observer/filing/0001723596-24-000324.json","markdown":"https://secwatch.observer/filing/0001723596-24-000324.md","text":"https://secwatch.observer/filing/0001723596-24-000324.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1723596/000172359624000324/0001723596-24-000324-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1723596/000172359624000324/clbk-20240731.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T14:26:30.550296+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}