---
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"
generated_at: "2026-05-17T03:15:46.508289+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Columbia Financial Q3 net income $14.9M ($0.15/sh) up 140% YoY; NIM expands to 2.29%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001723596-25-000362
- JSON: https://secwatch.observer/filing/0001723596-25-000362.json
- Plain text: https://secwatch.observer/filing/0001723596-25-000362.txt

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