{"schema_version":"secwatch.filing_event.v1","accession":"0001723596-25-000191","form_type":"8-K","ticker":"CLBK","cik":"0001723596","company_name":"Columbia Financial, Inc.","filed_at":"2025-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.474858+00:00","generated_at":"2026-05-23T02:31:07.737080+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Columbia Financial posts Q1 net income of $8.9M, reversing year-ago loss; NIM expands 36 bps","bullets":["Net income $8.9M ($0.09/diluted) vs net loss $1.2M ($-0.01) in Q1 2024.","Net interest income up 19.3% to $50.3M; net interest margin +36bps to 2.11%.","Provision for credit losses down $2.3M to $2.9M; non-interest expense down $1.8M to $43.8M.","Loans grew $108.3M to $8.0B; deposits increased $98.8M; total assets $10.6B.","Non-performing loans rose to $24.9M (0.31% of loans) from $21.7M (0.28%) at Dec 31."],"urls":{"canonical":"https://secwatch.observer/filing/0001723596-25-000191","json":"https://secwatch.observer/filing/0001723596-25-000191.json","markdown":"https://secwatch.observer/filing/0001723596-25-000191.md","text":"https://secwatch.observer/filing/0001723596-25-000191.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1723596/000172359625000191/0001723596-25-000191-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1723596/000172359625000191/clbk-20250430.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T02:31:07.737080+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"}