{"schema_version":"secwatch.filing_event.v1","accession":"0001723596-26-000013","form_type":"8-K","ticker":"CLBK","cik":"0001723596","company_name":"Columbia Financial, Inc.","filed_at":"2026-04-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.811098+00:00","generated_at":"2026-05-15T05:20:39.893019+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 Q1 net income $13.1M ($0.13/share), up 47% YoY; net interest margin expands to 2.42%","bullets":["Net income of $13.1M ($0.13 per share) for Q1 2026, up 47.2% from $8.9M ($0.09) in Q1 2025.","Net interest margin improved 31 bps YoY to 2.42%, driven by higher loan yields and lower deposit costs.","Provision for credit losses decreased 67.4% to $1.0M; net recoveries of $604K vs net charge-offs of $857K last year.","Non-interest expense rose 8.3% to $47.5M, including $1.8M in merger-related costs and higher compensation."],"urls":{"canonical":"https://secwatch.observer/filing/0001723596-26-000013","json":"https://secwatch.observer/filing/0001723596-26-000013.json","markdown":"https://secwatch.observer/filing/0001723596-26-000013.md","text":"https://secwatch.observer/filing/0001723596-26-000013.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1723596/000172359626000013/0001723596-26-000013-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1723596/000172359626000013/clbk-20260420.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:20:39.893019+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":[{"claim_id":"f3f0e99324fcff623a17632373db409e2ae6fd5d","claim":"Columbia Financial, Inc. reported the quarter ended March 31, 2026 results: net income $13.1 million, EPS $0.13 per basic and diluted share.","evidence_excerpt":"Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank (\"Columbia\"), reported net income of $13.1 million, or $0.13 per basic and diluted share, for the quarter ended March 31, 2026","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1723596/000172359626000013/0001723596-26-000013-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Net income","value":"$13.1 million"},{"label":"EPS","value":"$0.13 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}