{"schema_version":"secwatch.filing_event.v1","accession":"0001723596-24-000411","form_type":"8-K","ticker":"CLBK","cik":"0001723596","company_name":"Columbia Financial, Inc.","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:09.367282+00:00","generated_at":"2026-05-30T10:34:01.363916+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Columbia Financial Q3 net income down 32% YoY to $6.2M; NIM declines","bullets":["EPS $0.06 vs $0.09 Q3 2023; nine-month EPS $0.09 vs $0.29, down 67.6%.","Net interest income $45.3M (-6.7% YoY); net interest margin 1.84% (vs 2.06% Q3 2023).","Provision for credit losses $4.1M in Q3 (+$1.7M); net charge-offs $2.7M (Q3) and $8.2M YTD.","Non-performing loans surged to $28.0M (0.36%) from $12.6M (0.16%) at Dec 2023.","Completed Freehold Bank merger/system conversion Oct 2024; stock repurchases paused."],"urls":{"canonical":"https://secwatch.observer/filing/0001723596-24-000411","json":"https://secwatch.observer/filing/0001723596-24-000411.json","markdown":"https://secwatch.observer/filing/0001723596-24-000411.md","text":"https://secwatch.observer/filing/0001723596-24-000411.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1723596/000172359624000411/0001723596-24-000411-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1723596/000172359624000411/clbk-20241024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:34:01.363916+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"}