---
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"
generated_at: "2026-05-31T14:26:30.550296+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Columbia Financial Q2 net income $4.5M; core net income down 55% YoY; NIM 1.81%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001723596-24-000324
- JSON: https://secwatch.observer/filing/0001723596-24-000324.json
- Plain text: https://secwatch.observer/filing/0001723596-24-000324.txt

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