---
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"
generated_at: "2026-05-30T10:34:01.363916+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Columbia Financial Q3 net income down 32% YoY to $6.2M; NIM declines

## Summary
- 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.

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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001723596-24-000411
- JSON: https://secwatch.observer/filing/0001723596-24-000411.json
- Plain text: https://secwatch.observer/filing/0001723596-24-000411.txt

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