{"schema_version":"secwatch.filing_event.v1","accession":"0001723596-25-000021","form_type":"8-K","ticker":"CLBK","cik":"0001723596","company_name":"Columbia Financial, Inc.","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.621478+00:00","generated_at":"2026-05-27T08:25:18.139908+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Columbia Financial posts Q4 net loss of $21.2M on balance sheet repositioning","bullets":["Net loss $21.2M ($0.21 per share) vs. net income $6.6M ($0.06) in Q4 2023.","Sold $352.3M of debt securities; pre-tax loss of $37.9M from repositioning.","Core net income (non-GAAP) $11.4M, up 12.4% from $10.1M a year ago.","Proceeds used to fund loan growth ($72.9M), buy higher-yielding securities ($78.1M), prepay borrowings ($170.0M).","Annual meeting of stockholders set for June 5, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001723596-25-000021","json":"https://secwatch.observer/filing/0001723596-25-000021.json","markdown":"https://secwatch.observer/filing/0001723596-25-000021.md","text":"https://secwatch.observer/filing/0001723596-25-000021.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1723596/000172359625000021/0001723596-25-000021-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1723596/000172359625000021/clbk-20250128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:25:18.139908+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"}