---
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"
generated_at: "2026-05-23T02:31:07.737080+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Columbia Financial posts Q1 net income of $8.9M, reversing year-ago loss; NIM expands 36 bps

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001723596-25-000191
- JSON: https://secwatch.observer/filing/0001723596-25-000191.json
- Plain text: https://secwatch.observer/filing/0001723596-25-000191.txt

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