Columbia Financial Inc

ir.columbiabankonline.com

Columbia Financial Inc (NASDAQ: CLBK) is a New Jersey-based bank holding company that operates Columbia Bank, a savings institution providing deposit and lending services to retail and commercial customers throughout the state. The company earns money primarily through net interest income, the spread between interest collected on loans and interest paid on deposits and borrowings. As of December 31, 2025, total gross loans outstanding were $8.24 billion, with an allowance for credit losses of $67.2 million, or 0.82% of total gross loans. The loan portfolio includes one-to-four family real estate, commercial real estate, construction, commercial business, and consumer loans. Columbia Financial is a majority-owned subsidiary of Columbia Bank MHC, a mutual holding company, a structure that shapes its dividend policy and capital decisions. The company employed 796 full-time and part-time employees across New Jersey as of December 31, 2025. FHLB advances were the primary wholesale funding source, with $1.18 billion outstanding at year-end 2025. Uninsured deposits totaled $3.3 billion at December 31, 2025, including $944.6 million in collateralized municipal deposits.