---
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"
generated_at: "2026-05-27T08:25:18.139908+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Columbia Financial posts Q4 net loss of $21.2M on balance sheet repositioning

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001723596-25-000021
- JSON: https://secwatch.observer/filing/0001723596-25-000021.json
- Plain text: https://secwatch.observer/filing/0001723596-25-000021.txt

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