CLBK / Columbia Financial, Inc. - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

Columbia Financial, Inc.
US ˙ NasdaqGS ˙ US1976411033

Mga Batayang Estadistika
LEI 254900B9UDXFOJAZKN61
CIK 1723596
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Columbia Financial, Inc.
SEC Filings (Chronological Order)
Halaman ini menyediakan daftar lengkap dan kronologis dari Pengajuan SEC, tidak termasuk pengajuan kepemilikan yang kami sediakan di tempat lain.
August 8, 2025 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Senior Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has

August 8, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 ☐ TRANSITION REPORT PU

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of regis

July 30, 2025 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Second Quarter Ended June 30, 2025

Columbia Financial, Inc. Announces Financial Results for the Second Quarter Ended June 30, 2025 Fair Lawn, New Jersey (July 30, 2025): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank ("Columbia"), reported net income of $12.3 million, or $0.12 per basic and diluted share, for the quarter ended June 30, 2025, as compared to $4.5 million, or $0

July 30, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): July 30, 2025 Columbia Financial,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): July 30, 2025 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of i

June 26, 2025 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 ☐ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-38456 A.Full title of the plan and the address of the plan, if dif

June 6, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): June 5, 2025 Columbia Financial,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): June 5, 2025 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of in

June 5, 2025 EX-99.1

Columbia Financial, Inc. Annual Meeting of Shareholders June 5, 2025 | Thomas J. Kemly, President & CEO June 5, 2025 | Dennis E. Gibney, Sr. EVP, CFO Safe Harbor Statement This presentation contains forward-looking statements within the meaning of th

Columbia Financial, Inc. Annual Meeting of Shareholders June 5, 2025 | Thomas J. Kemly, President & CEO June 5, 2025 | Dennis E. Gibney, Sr. EVP, CFO Safe Harbor Statement This presentation contains forward-looking statements within the meaning of the private securities litigation reform act of 1995 regarding Columbia Financial Inc.'s expectations or predictions of future financial or business per

June 5, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): June 5, 2025 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of in

May 9, 2025 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Senior Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has

May 9, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 ☐ TRANSITION REPORT P

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of regi

May 1, 2025 EX-14.1

COLUMBIA FINANCIAL, INC. CODE OF ETHICS AND BUSINESS CONDUCT TABLE OF CONTENTS Page I. Our Code of Ethics and Your Responsibilities A. To Whom the Code Applies 1 B. Our Responsibilities 2 C. Asking Questions and Raising Concerns 2 D. Investigating Co

COLUMBIA FINANCIAL, INC. CODE OF ETHICS AND BUSINESS CONDUCT TABLE OF CONTENTS Page I. Our Code of Ethics and Your Responsibilities A. To Whom the Code Applies 1 B. Our Responsibilities 2 C. Asking Questions and Raising Concerns 2 D. Investigating Concerns 3 E. Consequences of a Violation 3 F. Protection from Retaliation 4 G. Supporting/Related Policies and Procedures 4 H. Waivers 4 I. Prior Appro

May 1, 2025 8-K

Amendment to Registrant's Code of Ethics, or Waiver of a Provision of the Code of Ethics, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 29, 2025 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of

April 30, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 30, 2025 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of

April 30, 2025 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the First Quarter Ended March 31, 2025

Columbia Financial, Inc. Announces Financial Results for the First Quarter Ended March 31, 2025 Fair Lawn, New Jersey (April 30, 2025): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank ("Columbia"), reported net income of $8.9 million, or $0.09 per basic and diluted share, for the quarter ended March 31, 2025, as compared to a net loss of $1.2

April 25, 2025 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

April 25, 2025 ARS

Annual Report 2024 A Company you can COUNT ON CLBK To our Shareholders, 2024 was a year marked by economic and political uncertainty, yet Columbia Financial, Inc. demonstrated remarkable resilience. Despite the volatility in the markets, our teams re

Annual Report 2024 A Company you can COUNT ON CLBK To our Shareholders, 2024 was a year marked by economic and political uncertainty, yet Columbia Financial, Inc.

April 25, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   )

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission only (as permit

March 3, 2025 EX-19.0

Filed herewith

1 COLUMBIA FINANCIAL, INC. POLICY REGARDING INSIDER TRADING Purpose and Scope of Policy The purpose of this Policy is to prohibit illegal insider trading and tipping by directors, officers, and employees of Columbia Financial, Inc. (“Columbia” or the “Company”) and its direct and indirect subsidiaries. This Policy applies to the Columbia Board of Directors and all officers and employees of Columbi

March 3, 2025 EX-21.0

Filed herewith

EX-21.0 Subsidiaries of the Registrant Name Percent Ownership State of Incorporation Columbia Bank 100% United States of America* First Jersey Title Services, Inc. 100% New Jersey** 1901 Commercial Management Company LLC 100% New Jersey** 1901 Residential Management Company LLC 100% New Jersey** Columbia Investment Services, Inc. 100% New Jersey** Stewardship Realty LLC 100% New Jersey** Stewardsh

March 3, 2025 EX-32.0

Filed herewith

EX-32.0 Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Senior Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has reviewed the annual r

March 3, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2024 ☐ TRANSITION REPORT PURSUA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-38456 COLUMBIA FINAN

March 3, 2025 EX-10.8

Filed herewith

March 3, 2025 EX-10.15

Filed herewith

exhibitpaipprogram

January 28, 2025 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Fourth Quarter and Year Ended December 31, 2024

Columbia Financial, Inc. Announces Financial Results for the Fourth Quarter and Year Ended December 31, 2024 Fair Lawn, New Jersey (January 28, 2025): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank ("Columbia"), reported a net loss of $21.2 million, or $0.21 per basic and diluted share, for the quarter ended December 31, 2024, as compared to

January 28, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): January 28, 2025 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

December 5, 2024 EX-99.1

COLUMBIA FINANCIAL, INC. ANNOUNCES REPOSITIONING OF BALANCE SHEET

COLUMBIA FINANCIAL, INC. ANNOUNCES REPOSITIONING OF BALANCE SHEET Fair Lawn, New Jersey, December 5, 2024 – Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK) the holding company for Columbia Bank (the “Bank”) announced a repositioning of the Company’s balance sheet. As part of the Company’s strategy to improve future earnings and expand its net interest margin, the Company sold approximately

December 5, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): December 5, 2024 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

November 25, 2024 EX-99.1

COLUMBIA FINANCIAL, INC. ANNOUNCES APPOINTMENT OF NEW SENIOR EXECUTIVE VICE PRESIDENT AND CHIEF OPERATING OFFICER

COLUMBIA FINANCIAL, INC. ANNOUNCES APPOINTMENT OF NEW SENIOR EXECUTIVE VICE PRESIDENT AND CHIEF OPERATING OFFICER Fair Lawn, New Jersey, November 25, 2024 — Columbia Financial, Inc. (Nasdaq: CLBK) (the “Company”), the mid-tier holding company for Columbia Bank (the “Bank”), announced today that Matthew Smith has been appointed as Senior Executive Vice President and Chief Operating Officer of the C

November 25, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): November 25, 2024 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer

November 13, 2024 EX-99.1

1 East Coast Financial Services Conference 2024 November 13, 2024 | Thomas J. Kemly, President & CEO E. Thomas Allen, SEVP & Chief Operating Officer John Klimowich, SEVP & Chief Risk Officer 2 Safe Harbor Statement This presentation contains forward-

1 East Coast Financial Services Conference 2024 November 13, 2024 | Thomas J. Kemly, President & CEO E. Thomas Allen, SEVP & Chief Operating Officer John Klimowich, SEVP & Chief Risk Officer 2 Safe Harbor Statement This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 regarding Columbia Financial Inc.'s expectations or pred

November 13, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): November 13, 2024 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer

November 8, 2024 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Senior Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has

November 8, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 ☐ TRANSITION REPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of

October 24, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): October 24, 2024 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

October 24, 2024 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Third Quarter Ended September 30, 2024

Columbia Financial, Inc. Announces Financial Results for the Third Quarter Ended September 30, 2024 Fair Lawn, New Jersey (October 24, 2024): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank ("Columbia"), reported net income of $6.2 million, or $0.06 per basic and diluted share, for the quarter ended September 30, 2024, as compared to $9.1 mil

October 7, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): October 7, 2024 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of

October 7, 2024 EX-99.1

COLUMBIA FINANCIAL, INC. ANNOUNCES COMPLETION OF MERGER OF FREEHOLD BANK INTO COLUMBIA BANK

COLUMBIA FINANCIAL, INC. ANNOUNCES COMPLETION OF MERGER OF FREEHOLD BANK INTO COLUMBIA BANK Fair Lawn, New Jersey, October 7, 2024 — Columbia Financial, Inc. (Nasdaq: CLBK) (the “Company”), the mid-tier holding company for Columbia Bank, announced today the completion of the merger of Freehold Bank with and into Columbia Bank, effective as of October 5, 2024. Prior to the bank merger, Freehold Ban

August 26, 2024 EX-99.1

COLUMBIA FINANCIAL, INC. ANNOUNCES RECEIPT OF REGULATORY APPROVAL FOR MERGER OF FREEHOLD BANK INTO COLUMBIA BANK

COLUMBIA FINANCIAL, INC. ANNOUNCES RECEIPT OF REGULATORY APPROVAL FOR MERGER OF FREEHOLD BANK INTO COLUMBIA BANK Fair Lawn, New Jersey, August 26, 2024 — Columbia Financial, Inc. (Nasdaq: CLBK) (the “Company”), the mid-tier holding company for Columbia Bank and Freehold Bank, announced today that Columbia Bank has received the requisite regulatory approval from the Office of the Comptroller of the

August 26, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): August 26, 2024 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of

August 9, 2024 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Senior Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has

August 9, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 ☐ TRANSITION REPORT PU

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of regis

July 31, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): July 31, 2024 Columbia Financial,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): July 31, 2024 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of i

July 31, 2024 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Second Quarter Ended June 30, 2024

Columbia Financial, Inc. Announces Financial Results for the Second Quarter Ended June 30, 2024 Fair Lawn, New Jersey (July 31, 2024): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank ("Columbia") and Freehold Bank ("Freehold"), reported net income of $4.5 million, or $0.04 per basic and diluted share, for the quarter ended June 30, 2024, as c

June 21, 2024 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-38456 A.Full title of the plan and the address of the plan, if dif

June 7, 2024 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): June 6, 2024 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of in

June 6, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): June 6, 2024 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of in

June 6, 2024 EX-99.1

1 Columbia Financial, Inc. Annual Meeting of Shareholders June 6, 2024 | Thomas J. Kemly, President & CEO 2 Safe Harbor Statement This presentation contains forward-looking statements within the meaning of the private securities litigation reform act

1 Columbia Financial, Inc. Annual Meeting of Shareholders June 6, 2024 | Thomas J. Kemly, President & CEO 2 Safe Harbor Statement This presentation contains forward-looking statements within the meaning of the private securities litigation reform act of 1995 regarding Columbia Financial Inc.'s expectations or predictions of future financial or business performance or conditions. Forward-looking st

May 24, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): May 20, 2024 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of in

May 23, 2024 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): May 18, 2024 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of in

May 23, 2024 EX-3.1

Amended Bylaws of Columbia Financial, Inc.

EXHIBIT-3.1 COLUMBIA FINANCIAL, INC. AMENDED BYLAWS ARTICLE I - STOCKHOLDERS Section 1. Annual Meeting. An annual meeting of the stockholders of Columbia Financial, Inc. (the “Corporation”) shall be held each year at such date and at such time as the Board of Directors shall in their discretion fix, which date shall be within thirteen (13) months subsequent to the last annual meeting of stockholde

May 10, 2024 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has review

May 10, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 ☐ TRANSITION REPORT P

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of regi

April 30, 2024 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the First Quarter Ended March 31, 2024

Columbia Financial, Inc. Announces Financial Results for the First Quarter Ended March 31, 2024 Fair Lawn, New Jersey (April 30, 2024): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank ("Columbia") and Freehold Bank ("Freehold"), reported a net loss of $1.2 million, or $0.01 per basic and diluted share, for the quarter ended March 31, 2024, as

April 30, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 30, 2024 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of

April 26, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   )

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission only (as permit

April 26, 2024 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

April 26, 2024 ARS

2023 ANNUAL REPORT A Company you can Count On. Advancing Access to homeownership, through a new special purpose credit program 3,000 low-cost, Bank On certified checking accounts serviced $39.8 million SBA loans originated to support small businesses

2023 ANNUAL REPORT A Company you can Count On. Advancing Access to homeownership, through a new special purpose credit program 3,000 low-cost, Bank On certified checking accounts serviced $39.8 million SBA loans originated to support small businesses 94% of clients rated the Bank’s branch experience “excellent” “Great Place to Work” a global certificate identifying an outstanding employee experien

February 29, 2024 EX-21.0

Filed herewith

EX-21.0 Subsidiaries of the Registrant Name Percent Ownership State of Incorporation Columbia Bank 100% United States of America* Freehold Bank 100% United States of America* First Jersey Title Services, Inc. 100% New Jersey** 1901 Commercial Management Company LLC 100% New Jersey** 1901 Residential Management Company LLC 100% New Jersey** Columbia Investment Services, Inc. 100% New Jersey** 2500

February 29, 2024 EX-32.0

Filed herewith

EX-32.0 Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has reviewed the annual report o

February 29, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2023 ☐ TRANSITION REPORT PURSUA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-38456 COLUMBIA FINAN

February 29, 2024 EX-97.0

Filed herewith

COLUMBIA FINANCIAL, INC. INCENTIVE-COMPENSATION RECOUPMENT POLICY EFFECTIVE OCTOBER 24, 2023 1. Policy Purpose; Effective Date and Retroactive Application. The purpose of Columbia Financial, Inc.’s (the “Company”) Incentive-Compensation Recoupment Policy (the “Policy”) is to enable the Company to recoup Erroneously Awarded Compensation in the event that the Company is required to prepare an Accoun

January 25, 2024 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Fourth Quarter and Year Ended December 31, 2023

Columbia Financial, Inc. Announces Financial Results for the Fourth Quarter and Year Ended December 31, 2023 Fair Lawn, New Jersey (January 25, 2024): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank ("Columbia") and Freehold Bank ("Freehold"), reported net income of $6.6 million, or $0.06 per basic and diluted share, for the quarter ended Dec

January 25, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): January 25, 2024 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

November 9, 2023 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has review

November 9, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of

October 25, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): October 25, 2023 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

October 25, 2023 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Third Quarter Ended September 30, 2023

Columbia Financial, Inc. Announces Financial Results for the Third Quarter Ended September 30, 2023 Fair Lawn, New Jersey (October 25, 2023): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank ("Columbia") and Freehold Bank ("Freehold"), reported net income of $9.1 million, or $0.09 per basic and diluted share, for the quarter ended September 30

August 9, 2023 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has review

August 9, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 ☐ TRANSITION REPORT PU

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of regis

July 26, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): July 26, 2023 Columbia Financial,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): July 26, 2023 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of i

July 26, 2023 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Second Quarter Ended June 30, 2023

Columbia Financial, Inc. Announces Financial Results for the Second Quarter Ended June 30, 2023 Fair Lawn, New Jersey (July 26, 2023): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank ("Columbia") and Freehold Bank ("Freehold"), reported net income of $1.7 million, or $0.02 per basic and diluted share, for the quarter ended June 30, 2023, as c

June 28, 2023 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-38456 A.Full title of the plan and the address of the plan, if dif

June 9, 2023 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): June 7, 2023 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of in

June 7, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): June 7, 2023 Columbia Financial,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): June 7, 2023 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of in

June 7, 2023 EX-99.1

NASDAQ: CLBK SAFE HARBOR STATEMENT THIS PRESENTATION CONTAINS FORWARD‐LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC.’S EXPECTATIONS OR PREDICTIONS OF FUTURE FINANCIAL OR

NASDAQ: CLBK SAFE HARBOR STATEMENT THIS PRESENTATION CONTAINS FORWARD‐LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC.

May 25, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): May 25, 2023 Columbia Financial,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): May 25, 2023 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of in

May 25, 2023 EX-99.1

COLUMBIA FINANCIAL, INC. ANNOUNCES SIXTH STOCK REPURCHASE PROGRAM

COLUMBIA FINANCIAL, INC. ANNOUNCES SIXTH STOCK REPURCHASE PROGRAM Fair Lawn, New Jersey, May 16, 2023 — Columbia Financial, Inc. (Nasdaq: CLBK) (the “Company”), the holding company for Columbia Bank and Freehold Bank, today announced that the Company’s Board of Directors has authorized its sixth stock repurchase program to acquire up to 2,000,000 shares, or approximately 1.9%, of the Company's cur

May 10, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 ☐ TRANSITION REPORT P

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of regi

May 10, 2023 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has review

April 28, 2023 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

April 28, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   )

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission only (as permit

April 28, 2023 ARS

2022 ANNUAL REPORT We sincerely believe that it is our responsibility to provide our customers and members of the community with financial services supported by excellence in quality of products, services and performance. We remain committed to maint

annualreport2022 2022 ANNUAL REPORT We sincerely believe that it is our responsibility to provide our customers and members of the community with financial services supported by excellence in quality of products, services and performance.

April 26, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 26, 2023 Columbia Financial

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 26, 2023 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of

April 26, 2023 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the First Quarter Ended March 31, 2023

Columbia Financial, Inc. Announces Financial Results for the First Quarter Ended March 31, 2023 Fair Lawn, New Jersey (April 26, 2023): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank ("Columbia") and Freehold Bank ("Freehold"), reported net income of $18.7 million, or $0.18 per basic and diluted share, for the quarter ended March 31, 2023, a

March 13, 2023 EX-99.1

Update of the Financial Strength of Columbia Financial, Inc.

Update of the Financial Strength of Columbia Financial, Inc. Silicon Valley Bank’s and Silvergate Bank’s problems have attracted nationwide attention. As such, Columbia Financial, Inc. (the “Company”) the holding company of Columbia Bank and Freehold Bank, want to assure clients and shareholders that the Company’s risk profile continues to be prudently managed in order to ensure a safe and secure

March 13, 2023 8-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): March 12, 202

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): March 12, 2023 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commissi

March 13, 2023 EX-99.1

Update of the Financial Strength of Columbia Financial, Inc.

Update of the Financial Strength of Columbia Financial, Inc. Silicon Valley Bank’s and Silvergate Bank’s problems have attracted nationwide attention. As such, Columbia Financial, Inc. (the “Company”) the holding company of Columbia Bank and Freehold Bank, want to assure clients and shareholders that the Company’s risk profile continues to be prudently managed in order to ensure a safe and secure

March 13, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): March 12, 2023 Columbia Financial

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): March 12, 2023 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of

March 1, 2023 EX-21.0

Filed herewith

EX-21.0 Subsidiaries of the Registrant Name Percent Ownership State of Incorporation Columbia Bank 100% United States of America* Freehold Bank 100% United States of America* First Jersey Title Services, Inc. 100% New Jersey** 1901 Commercial Management Company LLC 100% New Jersey** 1901 Residential Management Company LLC 100% New Jersey** Columbia Investment Services, Inc. 100% New Jersey** Real

March 1, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2022 ☐ TRANSITION REPORT PURSUA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-38456 COLUMBIA FINAN

March 1, 2023 EX-32.0

Filed herewith

EX-32.0 Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has reviewed the annual report o

February 21, 2023 EX-99.1

February 2023 NASDAQ: CLBK SAFE HARBOR STATEMENT THIS PRESENTATION CONTAINS FORWARD‐LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC.’S EXPECTATIONS OR PREDICTIONS OF FUTUR

investorpresentationfebr February 2023 NASDAQ: CLBK SAFE HARBOR STATEMENT THIS PRESENTATION CONTAINS FORWARD‐LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC.

February 21, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): February 21, 2023 Columbia Financ

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): February 21, 2023 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer

February 1, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): February 1, 2023 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

February 1, 2023 EX-99.1

February 1-2, 2023 NASDAQ: CLBK SAFE HARBOR STATEMENT THIS PRESENTATION CONTAINS FORWARD-LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC.’S EXPECTATIONS OR PREDICTIONS OF

February 1-2, 2023 NASDAQ: CLBK SAFE HARBOR STATEMENT THIS PRESENTATION CONTAINS FORWARD-LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC.

January 25, 2023 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Fourth Quarter and Year Ended December 31, 2022

Columbia Financial, Inc. Announces Financial Results for the Fourth Quarter and Year Ended December 31, 2022 Fair Lawn, New Jersey (January 25, 2023): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank ("Columbia") and Freehold Bank ("Freehold"), reported net income of $21.9 million, or $0.21 per basic and diluted share, for the quarter ended De

January 25, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): January 25, 2023 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

December 14, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): December 14, 2022 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer

December 14, 2022 EX-99.1

COLUMBIA FINANCIAL, INC. ANNOUNCES FIFTH STOCK REPURCHASE PROGRAM

COLUMBIA FINANCIAL, INC. ANNOUNCES FIFTH STOCK REPURCHASE PROGRAM Fair Lawn, New Jersey, December 14, 2022 ? Columbia Financial, Inc. (Nasdaq: CLBK) (the ?Company?), the holding company for Columbia Bank and Freehold Bank, today announced that the Company?s Board of Directors has authorized a new stock repurchase program to acquire up to 3,000,000 shares, or approximately 2.7%, of the Company's cu

December 13, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): December 13, 2022 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer

December 13, 2022 EX-99.1

December 13, 2022 NASDAQ: CLBK SAFE HARBOR STATEMENT THIS PRESENTATION CONTAINS FORWARD‐LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC.’S EXPECTATIONS OR PREDICTIONS OF F

December 13, 2022 NASDAQ: CLBK SAFE HARBOR STATEMENT THIS PRESENTATION CONTAINS FORWARD?LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC.

December 8, 2022 EX-99.1

Columbia Financial, Inc. and Columbia Bank Appoint Mayra L. Rinaldi as Executive Vice President, Corporate Governance and Culture

Columbia Financial, Inc. and Columbia Bank Appoint Mayra L. Rinaldi as Executive Vice President, Corporate Governance and Culture FAIR LAWN, NJ December 8, 2022 ?Columbia Financial, Inc. (the ?Company?), and its wholly owned subsidiary Columbia Bank (the ?Bank?), are pleased to announce the appointment of Mayra L. Rinaldi as Executive Vice President, Corporate Governance and Culture of the Company

December 8, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): December 8, 2022 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

November 9, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 ☐ TRANSITION REPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of

November 9, 2022 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has review

October 26, 2022 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Third Quarter Ended September 30, 2022

Columbia Financial, Inc. Announces Financial Results for the Third Quarter Ended September 30, 2022 Fair Lawn, New Jersey (October 26, 2022): Columbia Financial, Inc. (the ?Company?) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank ("Columbia") and Freehold Bank ("Freehold"), reported net income of $20.9 million, or $0.20 per basic share and $0.19 per diluted share, for the quarter e

October 26, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): October 26, 2022 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

October 12, 2022 EX-99.1

Columbia Bank Appoints Manesh Prabu as Executive Vice President, Chief Information Officer

Columbia Bank Appoints Manesh Prabu as Executive Vice President, Chief Information Officer FAIR LAWN, NJ October 12, 2022 ? Columbia Bank is pleased to welcome Manesh Prabhu as Executive Vice President, Chief Information Officer, effective immediately.

October 12, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): October 12, 2022 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

September 12, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): September 12, 2022 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer

September 12, 2022 EX-99.1

Columbia Bank Hires Executive Vice President, Chief Credit Officer, Matthew Rickert

Columbia Bank Hires Executive Vice President, Chief Credit Officer, Matthew Rickert FAIR LAWN, NJ SEPTEMBER 12, 2022 ? Columbia Bank is pleased to welcome Matthew Rickert as Executive Vice President, Chief Credit Officer, effective immediately.

August 9, 2022 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has review

August 9, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 ☐ TRANSITION REPORT PU

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of regis

August 9, 2022 EX-10.1

Employment Agreement between Columbia Financial, Inc., Columbia Bank and Jenifer W. Walden

July 27, 2022 EX-99

Columbia Financial, Inc. Announces Financial Results for the Second Quarter Ended June 30, 2022

Columbia Financial, Inc. Announces Financial Results for the Second Quarter Ended June 30, 2022 Fair Lawn, New Jersey (July 27, 2022): Columbia Financial, Inc. (the ?Company?) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank ("Columbia") and Freehold Bank ("Freehold"), reported net income of $23.0 million, or $0.22 per basic and diluted share, for the quarter ended June 30, 2022, as

July 27, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): July 27, 2022 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of i

June 28, 2022 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ☐ TRANSITION REPORT PURSUANT TO

11-K 1 a11k401kfs12312021.htm 11-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-38456 A.Full title of the plan

June 23, 2022 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): June 22, 2022 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of i

June 16, 2022 EX-99.1

Columbia Bank Hires Jenifer Walden, New Executive Vice President, Chief Human Resource Officer

Columbia Bank Hires Jenifer Walden, New Executive Vice President, Chief Human Resource Officer FAIR LAWN, NJ JUNE 16, 2022 ? Columbia Bank is pleased to welcome, Jenifer Walden, the new Executive Vice President, Chief Human Resources Officer, effective immediately.

June 16, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): June 16, 2022 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of i

June 9, 2022 EX-99.1

June 9, 2022 NASDAQ: CLBK SAFE HARBOR STATEMENT THIS PRESENTATION CONTAINS FORWARD‐LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC.’S EXPECTATIONS OR PREDICTIONS OF FUTURE

June 9, 2022 NASDAQ: CLBK SAFE HARBOR STATEMENT THIS PRESENTATION CONTAINS FORWARD?LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC.

June 9, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): June 9, 2022 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of in

May 12, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.    )

DEF 14A 1 tm227933-2def14a.htm DEF 14A TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.    ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, f

May 12, 2022 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

May 10, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ☐ TRANSITION REPORT P

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of regi

May 10, 2022 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has review

May 2, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): May 2, 2022 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of inc

May 2, 2022 EX-99.1

COLUMBIA FINANCIAL, INC. ANNOUNCES COMPLETION OF RSI BANK ACQUISITION

COLUMBIA FINANCIAL, INC. ANNOUNCES COMPLETION OF RSI BANK ACQUISITION Fair Lawn, New Jersey, May 2, 2022 ? Columbia Bank MHC, Columbia Financial, Inc. (NASDAQ: CLBK) and Columbia Bank (collectively, ?Columbia?) announced today that Columbia has completed its acquisition of RSI Bancorp, M.H.C., RSI Bancorp, Inc. and RSI Bank (collectively, ?RSI?), effective as of May 1, 2022. At the effective time

May 2, 2022 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A (Amendment No. 1) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2021 ¨ TRANSITION REPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A (Amendment No. 1) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-38456 COLUM

April 27, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 27, 2022 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of

April 27, 2022 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the First Quarter Ended March 31, 2022

Columbia Financial, Inc. Announces Financial Results for the First Quarter Ended March 31, 2022 Fair Lawn, New Jersey (April 27, 2022): Columbia Financial, Inc. (the ?Company?) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank ("Columbia") and Freehold Bank ("Freehold"), reported net income of $20.4 million, or $0.20 per basic and diluted share, for the quarter ended March 31, 2022, a

April 18, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 18, 2022 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of

April 18, 2022 EX-99.1

COLUMBIA FINANCIAL, INC. RECEIVES REGULATORY APPROVALS FOR ACQUISITION OF RSI BANK

COLUMBIA FINANCIAL, INC. RECEIVES REGULATORY APPROVALS FOR ACQUISITION OF RSI BANK Fair Lawn, New Jersey, April 18, 2022 ? Columbia Bank MHC, Columbia Financial, Inc. (Nasdaq: CLBK) (the ?Company?) and Columbia Bank (collectively, ?Columbia?) today announced that Columbia and RSI Bancorp M.H.C., RSI Bancorp, Inc. and RSI Bank (collectively, ?RSI?) have received the requisite regulatory approvals f

April 11, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 5, 2022 COLUMBIA FINANCIAL, INC.

April 5, 2022 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 4, 2022 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of i

March 1, 2022 EX-10.11

Filed herewith

March 1, 2022 EX-32.0

Filed herewith

EX-32.0 Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has reviewed the annual report o

March 1, 2022 EX-21.0

Filed herewith

EX-21.0 Subsidiaries of the Registrant Name Percent Ownership State of Incorporation Columbia Bank 100% United States of America* Freehold Bank 100% United States of America* First Jersey Title Services, Inc. 100% New Jersey** 1901 Commercial Management Company LLC 100% New Jersey** 1901 Residential Management Company LLC 100% New Jersey** Columbia Investment Services, Inc. 100% New Jersey** Real

March 1, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2021 ☐ TRANSITION REPORT PURSUA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-38456 COLUMBIA FINAN

February 23, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.    )

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ???) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? ? Confidential, for Use of the Commission Only (as per

February 23, 2022 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

DEFA14A 1 tm225669d4defa14a.htm DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commis

February 7, 2022 PRE 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.    )

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ???) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? ? Confidential, for Use of the Commission Only (as per

January 25, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): January 25, 2022 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

January 25, 2022 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Fourth Quarter and Year Ended December 31, 2021

Columbia Financial, Inc. Announces Financial Results for the Fourth Quarter and Year Ended December 31, 2021 Fair Lawn, New Jersey (January 25, 2022): Columbia Financial, Inc. (the ?Company?) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank ("Columbia") and Freehold Bank ("Freehold"), reported net income of $23.3 million, or $0.23 per basic and diluted share, for the quarter ended De

January 24, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): January 18, 2022 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

January 24, 2022 EX-99.1

Columbia Bank Announces The Appointment of Justin Jennings to Executive Vice President, Operations Officer

Columbia Bank Announces The Appointment of Justin Jennings to Executive Vice President, Operations Officer FAIR LAWN, NJ JANUARY 21, 2022 ? Columbia Bank is pleased to welcome, Justin Jennings, the new Executive Vice President, Operations Officer, effective immediately.

December 23, 2021 EX-99.1

Regarding Blackout Period and Regulation BTR Trading Restrictions December 22, 2021

Regarding Blackout Period and Regulation BTR Trading Restrictions December 22, 2021 Pursuant to the Sarbanes-Oxley Act of 2002, and Rule 104 under Securities and Exchange Commission Regulation BTR, Columbia Financial, Inc.

December 23, 2021 8-K

Temporary Suspension of Trading Under Registrant's Employee Benefit Plans, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): December 17, 2021 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer

December 22, 2021 EX-99.2

IN THE COURT OF CHANCERY OF THE STATE OF DELAWARE

Exhibit 99.2 IN THE COURT OF CHANCERY OF THE STATE OF DELAWARE FREDRIC D. PASCAL, derivatively on behalf of COLUMBIA FINANCIAL, INC., and individually on behalf of himself and all other similarly situated stockholders of COLUMBIA FINANCIAL, INC., Plaintiff, vs. FRANK CZERWINSKI, RAYMOND G. HALLOCK, NOEL R. HOLLAND, THOMAS J. KEMLY, HENRY KUIKEN, MICHAEL MASSOOD, JR., ELIZABETH E. RANDALL, and ROBE

December 22, 2021 EX-99.1

IN THE COURT OF CHANCERY OF THE STATE OF DELAWARE

Exhibit 99.1 IN THE COURT OF CHANCERY OF THE STATE OF DELAWARE FREDRIC D. PASCAL, derivatively on behalf of COLUMBIA FINANCIAL, INC., and individually on behalf of himself and all other similarly situated stockholders of COLUMBIA FINANCIAL, INC., ) C.A. No. 2020-0320-SG ) ) ) ) ) ) Plaintiff, ) ) vs. ) ) FRANK CZERWINSKI, RAYMOND G. HALLOCK, NOEL R. HOLLAND, THOMAS J. KEMLY, HENRY KUIKEN, MICHAEL

December 22, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 15, 2021 COLUMBIA FINANCIAL, INC.

December 22, 2021 EX-99.4

IN THE COURT OF CHANCERY OF THE STATE OF DELAWARE

Exhibit 99.4 IN THE COURT OF CHANCERY OF THE STATE OF DELAWARE FREDRIC D. PASCAL, derivatively on behalf of COLUMBIA FINANCIAL, INC., and individually on behalf of himself and all other similarly situated stockholders of COLUMBIA FINANCIAL, INC., ) ) ) ) ) ) C.A. No. 2020-0320-SG ) ) ) Plaintiff, ) ) vs. ) ) FRANK CZERWINSKI, RAYMOND G. HALLOCK, NOEL R. HOLLAND, G. HALLOCK, NOEL R. HOLLAND, THOMAS

December 22, 2021 EX-99.3

IN THE COURT OF CHANCERY OF THE STATE OF DELAWARE

Exhibit 99.3 IN THE COURT OF CHANCERY OF THE STATE OF DELAWARE FREDRIC D. PASCAL, derivatively on behalf of COLUMBIA FINANCIAL INC., and individually on behalf of himself and all other similarly situated stockholders of COLUMBIA FINANCIAL, INC., ) ) ) ) ) ) C.A. No. 2020-0320-SG ) Plaintiff, ) ) vs. ) ) FRANK CZERWINSKI, RAYMOND G. HALLOCK, NOEL R. HOLLAND, THOMAS J. KEMLY, HENRY KUIKEN, MICHAEL M

December 6, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): December 6, 2021 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

December 6, 2021 EX-99.1

COLUMBIA FINANCIAL, INC. ANNOUNCES FOURTH STOCK REPURCHASE PROGRAM

COLUMBIA FINANCIAL, INC. ANNOUNCES FOURTH STOCK REPURCHASE PROGRAM Fair Lawn, New Jersey, December 6, 2021 ? Columbia Financial, Inc. (Nasdaq: CLBK) (the ?Company?), the holding company for Columbia Bank and Freehold Bank, today announced that the Company?s Board of Directors has authorized a new stock repurchase program to acquire up to 5,000,000 shares, or approximately 4.6%, of the Company's cu

December 1, 2021 EX-99.2

Columbia Financial, Inc. to Acquire RSI Bank

Exhibit 99.2 FOR IMMEDIATE RELEASE Columbia Financial, Inc. to Acquire RSI Bank FAIR LAWN, NJ and RAHWAY, NJ, December 1, 2021 - Columbia Bank MHC, Columbia Financial, Inc. (NASDAQ: CLBK) and Columbia Bank (collectively, ?Columbia?), and RSI Bancorp, M.H.C., RSI Bancorp, Inc. and RSI Bank (collectively, ?RSI?) announced today the signing of a definitive merger agreement. Under the terms of the mer

December 1, 2021 EX-99.1

COLUMBIA FINANCIAL, INC. ANNOUNCES COMPLETION OF FREEHOLD BANK ACQUISITION

COLUMBIA FINANCIAL, INC. ANNOUNCES COMPLETION OF FREEHOLD BANK ACQUISITION Fair Lawn, New Jersey, December 1, 2021 ? Columbia Bank MHC, Columbia Financial, Inc. (Nasdaq: CLBK) (the ?Company?) and Columbia Bank (collectively, ?Columbia?) today announced that Columbia has completed its acquisition of Freehold MHC, Freehold Bancorp and Freehold Bank (the ?Merger?) pursuant to the Agreement and Plan o

December 1, 2021 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 1, 2021 COLUMBIA FINANCIAL, INC.

December 1, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): December 1, 2021 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

December 1, 2021 EX-2.1

Agreement and Plan of Merger, dated as of December 1, 2021, by and among Columbia Bank MHC, Columbia Financial, Inc. and Columbia Bank and RSI Bancorp, M.H.C., RSI Bancorp, Inc. and RSI Bank*

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER DECEMBER 1, 2021 BY AND AMONG COLUMBIA BANK MHC, COLUMBIA FINANCIAL, INC., COLUMBIA BANK AND RSI BANCORP, M.H.C. RSI BANCORP, INC. RSI BANK TABLE OF CONTENTS Page No. ARTICLE I Definitions 2 ARTICLE II The Merger 9 2.1 The Merger 9 2.2 Closing 11 2.3 Effective Time 11 2.4 Effect on Outstanding Shares of Columbia Financial Common Stock 11 2.5 Alternative Str

December 1, 2021 EX-99.1

NASDAQ: CLBK December 1, 2021

Exhibit 99.1 NASDAQ: CLBK December 1, 2021 2 SAFE HARBOR STATEMENT THIS PRESENTATION CONTAINS FORWARD - LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC . ?S EXPECTATIONS OR PREDICTIONS OF FUTURE FINANCIAL OR BUSINESS PERFORMANCE OR CONDITIONS . FORWARD - LOOKING STATEMENTS ARE TYPICALLY IDENTIFIED BY WORDS SUCH AS ?BELI

November 24, 2021 EX-99.1

COLUMBIA FINANCIAL, INC. RECEIVES REGULATORY APPROVALS FOR THE ACQUISITION OF FREEHOLD BANK

COLUMBIA FINANCIAL, INC. RECEIVES REGULATORY APPROVALS FOR THE ACQUISITION OF FREEHOLD BANK Fair Lawn, New Jersey, November 24, 2021 ? Columbia Bank MHC, Columbia Financial, Inc. (Nasdaq: CLBK) (the ?Company?) and Columbia Bank (collectively, ?Columbia?) today announced that Columbia and Freehold MHC, Freehold Bancorp and Freehold Bank (collectively, ?Freehold?) have received the requisite regulat

November 24, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): November 24, 2021 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer

November 9, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 ☐ TRANSITION REPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of

November 9, 2021 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has review

October 27, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): October 27, 2021 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

October 27, 2021 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Third Quarter Ended September 30, 2021

Columbia Financial, Inc. Announces Financial Results for the Third Quarter Ended September 30, 2021 Fair Lawn, New Jersey (October 27, 2021): Columbia Financial, Inc. (the ?Company?) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank (the "Bank"), reported net income of $21.0 million, or $0.20 per basic and diluted share, for the quarter ended September 30, 2021, as compared to net inc

August 9, 2021 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has review

August 9, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 ☐ TRANSITION REPORT PU

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of regis

July 29, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): July 26, 2021 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of i

July 29, 2021 EX-99.1

Columbia Financial, Inc. Announces the Appointment of Daria Torres to its Board of Directors

Columbia Financial, Inc. Announces the Appointment of Daria Torres to its Board of Directors FAIR LAWN, NJ ? July 29, 2021 ? Columbia Financial, Inc. (NASDAQ: CLBK), the parent company of Columbia Bank, is pleased to announce that Mount Laurel, New Jersey resident, Daria Torres has been appointed to the Boards of Directors of Columbia Financial and Columbia Bank effective July 27, 2021. Ms. Torres

July 28, 2021 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Second Quarter Ended June 30, 2021

Columbia Financial, Inc. Announces Financial Results for the Second Quarter Ended June 30, 2021 Fair Lawn, New Jersey (July 28, 2021): Columbia Financial, Inc. (the ?Company?) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank (the "Bank"), reported net income of $26.7 million, or $0.26 per basic and diluted share, for the quarter ended June 30, 2021, as compared to net income of $15.1

July 28, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): July 28, 2021 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of i

June 29, 2021 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 ☐ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark one) ? ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 or ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-38456 A.Full title of the plan and the address of the plan, if dif

June 17, 2021 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 17, 2021 COLUMBIA FINANCIAL, INC.

June 17, 2021 EX-99.1

NASDAQ: CLBK June 17, 2021

Exhibit 99.1 NASDAQ: CLBK June 17, 2021 2 SAFE HARBOR STATEMENT THIS PRESENTATION CONTAINS FORWARD - LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC . ?S EXPECTATIONS OR PREDICTIONS OF FUTURE FINANCIAL OR BUSINESS PERFORMANCE OR CONDITIONS . FORWARD - LOOKING STATEMENTS ARE TYPICALLY IDENTIFIED BY WORDS SUCH AS ?BELIEVE

June 17, 2021 EX-2.1

Agreement and Plan of Merger, dated as of June 17, 2021, by and among Columbia Bank MHC, Columbia Financial, Inc. and Columbia Bank and Freehold MHC, Freehold Bancorp and Freehold Bank*

Exhibit 2.1 Execution Version AGREEMENT AND PLAN OF MERGER JUNE 17, 2021 BY AND AMONG COLUMBIA BANK MHC, COLUMBIA FINANCIAL, INC., COLUMBIA BANK AND FREEHOLD MHC FREEHOLD BANCORP FREEHOLD BANK TABLE OF CONTENTS Page No. ARTICLE I Definitions 2 ARTICLE II The Merger 9 2.1 The Merger 9 2.2 Closing 11 2.3 Effective Time 11 2.4 Effect on Outstanding Shares of Columbia Financial Common Stock 11 2.5 Alt

June 17, 2021 EX-99.2

Columbia Financial, Inc. to Acquire Freehold Bank

EX-99.2 4 tm2120065d1ex99-2.htm EXHIBIT 99.2 Exhibit 99.2 FOR IMMEDIATE RELEASE Columbia Financial, Inc. to Acquire Freehold Bank FAIR LAWN, NJ and FREEHOLD, NJ, June 17, 2021 - Columbia Bank, MHC, Columbia Financial, Inc. (NASDAQ: CLBK) and Columbia Bank (collectively, “Columbia”), and Freehold MHC, Freehold Bancorp and Freehold Bank (collectively, “Freehold”) announced today the signing of a def

May 24, 2021 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): May 20, 2021 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of in

May 20, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): May 20, 2021 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of in

May 20, 2021 EX-99.1

May 20, 2021 NASDAQ: CLBK SAFE HARBOR STATEMENT THIS PRESENTATION CONTAINS FORWARD‐LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC.’S EXPECTATIONS OR PREDICTIONS OF FUTURE

May 20, 2021 NASDAQ: CLBK SAFE HARBOR STATEMENT THIS PRESENTATION CONTAINS FORWARD?LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC.

May 10, 2021 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has review

May 10, 2021 10-Q

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of regi

April 28, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 28, 2021 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of

April 28, 2021 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the First Quarter Ended March 31, 2021

Columbia Financial, Inc. Announces Financial Results for the First Quarter Ended March 31, 2021 Fair Lawn, New Jersey (April 28, 2021): Columbia Financial, Inc. (the ?Company?) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank (the "Bank"), reported net income of $21.0 million, or $0.20 per basic and diluted share, for the quarter ended March 31, 2021, as compared to net income of $6.

April 9, 2021 DEFA14A

- DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

April 9, 2021 DEF 14A

- DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

March 1, 2021 EX-10.10

Filed herewith

March 1, 2021 10-K

Annual Report - 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2020 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-38456 COLUMBIA FINAN

March 1, 2021 EX-32.0

Filed herewith

EX-32.0 Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the ?Company?), each certify in his capacity as an officer of the Company that he has reviewed the annual report o

March 1, 2021 EX-21.0

Filed herewith

EX-21.0 Subsidiaries of the Registrant Name Percent Ownership State of Incorporation Columbia Bank 100% United States of America* First Jersey Title Services, Inc. 100% New Jersey** 1901 Commercial Management Company LLC 100% New Jersey** 1901 Residential Management Company LLC 100% New Jersey** Columbia Investment Services, Inc. 100% New Jersey** Real Estate Management Corporation, LLC 100% New J

February 1, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): February 1, 2021 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

February 1, 2021 EX-99.1

COLUMBIA FINANCIAL, INC. ANNOUNCES THIRD STOCK REPURCHASE PROGRAM

COLUMBIA FINANCIAL, INC. ANNOUNCES THIRD STOCK REPURCHASE PROGRAM Fair Lawn, New Jersey, February 1, 2021 — Columbia Financial, Inc. (Nasdaq: CLBK) (the “Company”), the holding company for Columbia Bank, today announced that the Company’s Board of Directors has authorized a new stock repurchase program to acquire up to 5,000,000 shares, or approximately 4.5%, of the Company's currently issued and

January 27, 2021 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Fourth Quarter and Year Ended December 31, 2020

Columbia Financial, Inc. Announces Financial Results for the Fourth Quarter and Year Ended December 31, 2020 Fair Lawn, New Jersey (January 27, 2021): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank (the "Bank"), reported net income of $20.7 million, or $0.19 per basic and diluted share, for the quarter ended December 31, 2020, as compared to

January 27, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): January 27, 2021 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

January 5, 2021 8-K

Current Report

Columbia Bank Announces The Appointment of Oliver E. Lewis, Jr. to Executive Vice President, Head of Commercial Banking FAIR LAWN, NJ – January 4, 2021 – Columbia Bank is pleased to announce that Oliver Lewis has been appointed to Executive Vice President, Head of Commercial Banking. In his new role, Mr. Lewis will be responsible for the Commercial Banking Division consisting of the Bank’s Commerc

January 5, 2021 EX-99.1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): January 4, 2021 Columbia Financia

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): January 4, 2021 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of

November 9, 2020 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 ☐ TRANSITION REPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of

October 29, 2020 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Third Quarter Ended September 30, 2020

Columbia Financial, Inc. Announces Financial Results for the Third Quarter Ended September 30, 2020 Fair Lawn, New Jersey (October 29, 2020): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank (the "Bank"), reported net income of $15.1 million, or $0.14 per basic and diluted share, for the quarter ended September 30, 2020, as compared to net inc

October 29, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): October 29, 2020 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

September 10, 2020 EX-99

COLUMBIA FINANCIAL, INC. ANNOUNCES SECOND STOCK REPURCHASE PROGRAM

COLUMBIA FINANCIAL, INC. ANNOUNCES SECOND STOCK REPURCHASE PROGRAM Fair Lawn, New Jersey, September 10, 2020 — Columbia Financial, Inc. (Nasdaq: CLBK) (the “Company”), the holding company for Columbia Bank, today announced that the Company’s Board of Directors has authorized a new stock repurchase program to acquire up to 5,000,000 shares, or approximately 4.3%, of the Company's currently issued a

September 10, 2020 8-K

Financial Statements and Exhibits, Other Events - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): September 10, 2020 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer

August 10, 2020 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has review

August 10, 2020 10-Q

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of regis

July 29, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): July 29, 2020 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of i

July 29, 2020 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Second Quarter Ended June 30, 2020

Columbia Financial, Inc. Announces Financial Results for the Second Quarter Ended June 30, 2020 Fair Lawn, New Jersey (July 29, 2020): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank (the "Bank"), reported net income of $15.1 million, or $0.14 per basic and diluted share, for the quarter ended June 30, 2020, as compared to net income of $12.0

June 29, 2020 11-K

- FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38456 A. Full title of the plan

May 27, 2020 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): May 22, 2020 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of in

May 27, 2020 EX-99.1

TWO NEW BOARD MEMBERS ELECTED TO COLUMBIA FINANCIAL, INC. BOARD

TWO NEW BOARD MEMBERS ELECTED TO COLUMBIA FINANCIAL, INC. BOARD FAIR LAWN, NJ - May 26, 2020 - Columbia Financial Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank (the "Bank"), announces the election of James Kuiken and Lucy Sorrentini to its Board of Directors to fill the terms of two retiring directors. The election occurred during the Company’s annual meeting

May 22, 2020 EX-99.1

NASDAQ: CLBK May 22, 2020 SAFE HARBOR STATEMENT THIS PRESENTATION CONTAINS FORWARD‐LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC.’S EXPECTATIONS OR PREDICTIONS OF FUTURE

investorpresentationannu NASDAQ: CLBK May 22, 2020 SAFE HARBOR STATEMENT THIS PRESENTATION CONTAINS FORWARD‐LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC.

May 22, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): May 22, 2020 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of in

May 11, 2020 10-Q

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of regi

May 11, 2020 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has review

April 29, 2020 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the First Quarter Ended March 31, 2020

Columbia Financial, Inc. Announces Financial Results for the First Quarter Ended March 31, 2020 Fair Lawn, New Jersey (April 29, 2020): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank (the "Bank"), reported net income of $6.8 million, or $0.06 per basic and diluted share, for the quarter ended March 31, 2020, as compared to net income of $14.

April 29, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): April 29, 2020 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of

April 10, 2020 DEFA14A

CLBK / Columbia Financial, Inc. DEFA14A - - DEFA14A

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

April 10, 2020 DEF 14A

CLBK / Columbia Financial, Inc. DEF 14A - - DEF 14A

TABLE OF CONTENTS SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

April 1, 2020 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported):April 1, 2020 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer of in

April 1, 2020 EX-99.1

COLUMBIA FINANCIAL, INC. ANNOUNCES COMPLETION OF ROSELLE BANK ACQUISITION

COLUMBIA FINANCIAL, INC. ANNOUNCES COMPLETION OF ROSELLE BANK ACQUISITION Fair Lawn, New Jersey, April 1, 2020 - Columbia Bank MHC, Columbia Financial, Inc. (NASDAQ: CLBK) and Columbia Bank (collectively, “Columbia”), announced today that Columbia has completed its acquisition of RSB Bancorp, MHC, RSB Bancorp, Inc. and Roselle Bank (collectively, “Roselle”). At the effective time of the merger, Ro

March 2, 2020 EX-21.0

Filed herewith

EX-21.0 Subsidiaries of the Registrant Name Percent Ownership State of Incorporation Columbia Bank 100% United States of America* First Jersey Title Services, Inc. 100% New Jersey** 1901 Commercial Management Company LLC 100% New Jersey** 1901 Residential Management Company LLC 100% New Jersey** Columbia Investment Services, Inc. 100% New Jersey** Real Estate Management Corporation, LLC 100% New J

March 2, 2020 EX-10.9

Filed herewith

damodarambashyamemployme

March 2, 2020 10-K

Annual Report - 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2019 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-38456 COLUMBIA FINAN

March 2, 2020 EX-32.0

Filed herewith

EX-32.0 Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has reviewed the annual report o

March 2, 2020 EX-4.1

Filed herewith

Exhibit 4.1 Description of COLUMBIA FINANCIAL, Inc.’s Common Stock Registered Under Section 12 of the Securities Exchange Act of 1934 General Columbia Financial, Inc. (the “Company”) is incorporated in the State of Delaware. The rights of our shareholders are generally covered by Delaware law and our certificate of incorporation and bylaws (each as amended and in effect on the date hereof). The te

January 30, 2020 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Fourth Quarter and Year Ended December 31, 2019

Columbia Financial, Inc. Announces Financial Results for the Fourth Quarter and Year Ended December 31, 2019 Fair Lawn, New Jersey (January 30, 2020): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank (the "Bank"), reported net income of $13.5 million, or $0.12 per basic and diluted share, for the quarter ended December 31, 2019, as compared to

January 30, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): January 30, 2020 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

December 11, 2019 EX-99.1

COLUMBIA FINANCIAL, INC. ANNOUNCES EXPANSION OF STOCK REPURCHASE PROGRAM

Exhibit 99.1 FOR IMMEDIATE RELEASE COLUMBIA FINANCIAL, INC. ANNOUNCES EXPANSION OF STOCK REPURCHASE PROGRAM Fair Lawn, New Jersey, December 5, 2019 — Columbia Financial, Inc. (Nasdaq: CLBK) (the “Company”), the holding company for Columbia Bank, announced today that it has expanded its stock repurchase program to acquire an additional 3,000,000 shares of the Company’s outstanding common stock in a

December 11, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 5, 2019 COLUMBIA FINANCIAL, INC.

December 3, 2019 EX-99.1

NASDAQ: CLBK December 3, 2019

Exhibit 99.1 NASDAQ: CLBK December 3, 2019 SAFE HARBOR STATEMENT THIS CONTAINS FORWARD - LOOKING STATEMENTS WITHIN THE MEANING OF THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 REGARDING COLUMBIA FINANCIAL INC.’S EXPECTATIONS OR PREDICTIONS OF FUTURE FINANCIAL OR BUSINESS PERFORMANCE OR CONDITIONS. FORWARD - LOOKING STATEMENTS ARE TYPICALLY IDENTIFIED BY WORDS SUCH AS “BELIEVE,” “EXPECT,” “A

December 3, 2019 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 2, 2019 COLUMBIA FINANCIAL, INC.

December 3, 2019 EX-2.1

Agreement and Plan of Merger, dated as of December 2, 2019, by and among Columbia Bank MHC, Columbia Financial, Inc. and Columbia Bank and RSB Bancorp, MHC, RSB Bancorp, Inc. and Roselle Bank*

Exhibit 2.1 Execution Version AGREEMENT AND PLAN OF MERGER DATED AS OF DECEMBER 2, 2019 BY AND AMONG COLUMBIA BANK MHC, COLUMBIA FINANCIAL, INC., COLUMBIA BANK AND RSB BANCORP, MHC RSB BANCORP, INC. ROSELLE BANK TABLE OF CONTENTS Page No. Introductory Statement 1 ARTICLE I Definitions 2 ARTICLE II The Merger 9 2.1 The Merger 9 2.2 Closing 11 2.3 Effective Time 11 2.4 Effect on Outstanding Shares o

December 3, 2019 EX-99.2

Columbia Financial, Inc. to Acquire Roselle Bank

Exhibit 99.2 FOR IMMEDIATE RELEASE Columbia Financial, Inc. to Acquire Roselle Bank FAIR LAWN, NJ and ROSELLE, NJ, December 3, 2019 /PRNewswire/ - Columbia Bank, MHC, Columbia Financial, Inc. (NASDAQ: CLBK) and Columbia Bank (collectively, “Columbia”), and RSB Bancorp, MHC, RSB Bancorp, Inc. and Roselle Bank (collectively, “Roselle”) announced today the signing of a definitive merger agreement. Un

November 12, 2019 10-Q

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 or ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of

November 12, 2019 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has review

November 4, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 1, 2019 COLUMBIA FINANCIAL, INC.

November 4, 2019 EX-99.1

COLUMBIA FINANCIAL, INC. ANNOUNCES COMPLETION OF STEWARDSHIP FINANCIAL CORPORATION ACQUISITION

Exhibit 99.1 FOR IMMEDIATE RELEASE COLUMBIA FINANCIAL, INC. ANNOUNCES COMPLETION OF STEWARDSHIP FINANCIAL CORPORATION ACQUISITION Fair Lawn, New Jersey, November 1, 2019 — Columbia Financial, Inc. (Nasdaq: CLBK) (the “Company”), the holding company for Columbia Bank, today announced that the Company has completed its acquisition of Stewardship Financial Corporation (“Stewardship”) and its wholly o

October 24, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): October 24, 2019 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

October 24, 2019 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Quarter Ended September 30, 2019

Columbia Financial, Inc. Announces Financial Results for the Quarter Ended September 30, 2019 Fair Lawn, New Jersey (October 24, 2019): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank (the "Bank"), reported net income of $14.2 million, or $0.13 per basic and diluted share, for the quarter ended September 30, 2019, as compared to net income of

October 21, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): October 21, 2019 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other jurisdiction (Commission (IRS Employer o

October 21, 2019 EX-99.1

COLUMBIA FINANCIAL, INC. RECEIVES REGULATORY APPROVALS FOR ACQUISITION OF STEWARDSHIP FINANCIAL CORPORATION

COLUMBIA FINANCIAL, INC. RECEIVES REGULATORY APPROVALS FOR ACQUISITION OF STEWARDSHIP FINANCIAL CORPORATION Fair Lawn, New Jersey, October 21, 2019 - Columbia Financial, Inc. (Nasdaq: CLBK) (the “Company”), the holding company for Columbia Bank, today announced that the Company and Stewardship Financial Corporation (“Stewardship”) have received the requisite regulatory approvals from the Board of

August 13, 2019 10-Q

CLBK / Columbia Financial, Inc. 10-Q - Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2019 or ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38456 Columbia Financial, Inc. (Exact name of regis

August 13, 2019 EX-32.0

Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

Section 4: EX-32 (Exhibit 32) Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 Thomas J. Kemly, President and Chief Executive Officer, and Dennis E. Gibney, Executive Vice President and Chief Financial Officer of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has review

July 24, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 a2q2019pressreleasecover.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): July 24, 2019 Columbia Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-38456 22-3504946 (State or other juri

July 24, 2019 EX-99.1

Columbia Financial, Inc. Announces Financial Results for the Quarter Ended June 30, 2019

Columbia Financial, Inc. Announces Financial Results for the Quarter Ended June 30, 2019 Fair Lawn, New Jersey (July 24, 2019): Columbia Financial, Inc. (the “Company”) (NASDAQ: CLBK), the mid-tier holding company for Columbia Bank (the "Bank"), reported net income of $12.0 million, or $0.11 per basic and diluted share, for the quarter ended June 30, 2019, as compared to a net loss of $14.7 millio

July 23, 2019 EX-10.3

Form of Time-Based Restricted Stock Award Agreement

Exhibit 10.3 FORM OF 2019 TIME-BASED RESTRICTED STOCK AWARD AGREEMENT We are pleased to advise you that the Compensation Committee (the “Committee”) of the Board of Directors of Columbia Financial, Inc. (the “Company”) has granted you a restricted stock award (the “Award”) pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan (the “Plan”) on [DATE] (the “Grant Date”). Capitalized ter

July 23, 2019 EX-10.2

Form of Non-qualified Stock Option Award Agreement

Exhibit 10.2 FORM OF 2019 NON-QUALIFIED STOCK OPTION AWARD AGREEMENT We are pleased to advise you that the Compensation Committee (the “Committee”) of the Board of Directors of Columbia Financial, Inc. (the “Company”) has granted you a non-qualified stock option award pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan (the “Plan”) on [DATE] (the “Grant Date”). Capitalized terms us

July 23, 2019 EX-10.5

Form of Performance-Based Restricted Stock Award Agreement

Exhibit 10.5 FORM OF 2019 PERFORMANCE-BASED RESTRICTED STOCK AWARD AGREEMENT We are pleased to advise you that the Compensation Committee (the “Committee”) of the Board of Directors of Columbia Financial, Inc. (the “Company”) has granted you a restricted stock award (the “Award”) pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan (the “Plan”) on [DATE] (the “Grant Date”). Capitali

July 23, 2019 S-8

CLBK / Columbia Financial, Inc. S-8 - - FORM S-8

As filed with the U.S. Securities and Exchange Commission on July 23, 2019 Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 COLUMBIA FINANCIAL, INC. (Exact name of registrant as specified in its charter) Delaware 22-3504946 (State or other jurisdiction of (IRS Employer Identification No.) in

July 23, 2019 EX-10.4

Form of Time-Based Restricted Stock Unit Award Agreement

Exhibit 10.4 FORM OF 2019 TIME-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT We are pleased to advise you that the Compensation Committee (the “Committee”) of the Board of Directors of Columbia Financial, Inc. (the “Company”) has granted you a restricted stock unit award pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan (the “Plan”) on [DATE] (the “Grant Date”). Capitalized terms u

June 11, 2019 EX-99.1

COLUMBIA FINANCIAL, INC. ANNOUNCES STOCK REPURCHASE PROGRAM

Exhibit 99.1 FOR IMMEDIATE RELEASE COLUMBIA FINANCIAL, INC. ANNOUNCES STOCK REPURCHASE PROGRAM Fair Lawn, New Jersey, June 11, 2019 — Columbia Financial, Inc. (Nasdaq: CLBK) (the “Company”), the holding company for Columbia Bank, today announced that the Company’s Board of Directors has authorized a stock repurchase program to acquire up to 4,000,000 shares of the Company's currently issued and ou

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