---
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"
generated_at: "2026-05-15T05:20:39.893019+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Columbia Financial Q1 net income $13.1M ($0.13/share), up 47% YoY; net interest margin expands to 2.42%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001723596-26-000013
- JSON: https://secwatch.observer/filing/0001723596-26-000013.json
- Plain text: https://secwatch.observer/filing/0001723596-26-000013.txt

## Key facts
- Earnings Releases
  Columbia Financial, Inc. reported the quarter ended March 31, 2026 results: net income $13.1 million, EPS $0.13 per basic and diluted share.
  - Period: the quarter ended March 31, 2026
  - Net income: $13.1 million
  - EPS: $0.13 per basic and diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1723596/000172359626000013/0001723596-26-000013-index.htm

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