{"schema_version":"secwatch.filing_event.v1","accession":"0001723596-25-000305","form_type":"8-K","ticker":"CLBK","cik":"0001723596","company_name":"Columbia Financial, Inc.","filed_at":"2025-07-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.804049+00:00","generated_at":"2026-05-17T23:08:23.037737+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Columbia Financial Q2 net income $12.3M ($0.12 EPS) vs $4.5M YoY; NIM expands to 2.19%","bullets":["Net income $12.3M, diluted EPS $0.12 for Q2 2025 vs $4.5M, $0.04 in Q2 2024.","Net interest income $53.7M, up 21.8% YoY; net interest margin 2.19% vs 1.81%.","Purchased $130.9M in commercial equipment finance loans in May 2025.","Non-performing loans rose to $39.5M (0.49% of loans) from $21.7M at Dec 2024.","Six-month net income $21.2M ($0.21 EPS) vs $3.4M ($0.03) YoY, up 526%."],"urls":{"canonical":"https://secwatch.observer/filing/0001723596-25-000305","json":"https://secwatch.observer/filing/0001723596-25-000305.json","markdown":"https://secwatch.observer/filing/0001723596-25-000305.md","text":"https://secwatch.observer/filing/0001723596-25-000305.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1723596/000172359625000305/0001723596-25-000305-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1723596/000172359625000305/clbk-20250730.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T23:08:23.037737+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"}