{"schema_version":"secwatch.filing_event.v1","accession":"0001723596-25-000362","form_type":"8-K","ticker":"CLBK","cik":"0001723596","company_name":"Columbia Financial, Inc.","filed_at":"2025-10-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.255933+00:00","generated_at":"2026-05-17T03:15:46.508289+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Columbia Financial Q3 net income $14.9M ($0.15/sh) up 140% YoY; NIM expands to 2.29%","bullets":["Net income $14.9M ($0.15 EPS) vs $6.2M ($0.06) in Q3 2024; nine-month net income $36.1M ($0.35).","Net interest margin increased 45 bps YoY to 2.29%; loan growth $97.1M (4.8% annualized).","Board authorized 1.8M share repurchase; 183,864 shares bought back in Sept at ~$15.43.","Non-performing assets to total assets improved to 0.30% from 0.37% prior quarter.","Provision for credit losses decreased 42.9% to $2.3M vs $4.1M a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0001723596-25-000362","json":"https://secwatch.observer/filing/0001723596-25-000362.json","markdown":"https://secwatch.observer/filing/0001723596-25-000362.md","text":"https://secwatch.observer/filing/0001723596-25-000362.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1723596/000172359625000362/0001723596-25-000362-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1723596/000172359625000362/clbk-20251020.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:15:46.508289+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"}