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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 registrant as specified in its charter)
Delaware
22-3504946
(State or other jurisdiction
of incorporation or organization)		(I.R.S. Employer Identification Number)
19-01 Route 208 North,Fair Lawn,
New Jersey07140
(Address of principal executive offices)(Zip Code)

(800) 522-4167
(Registrant’s telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered
Common Stock, $0.01 par value per share CLBKThe Nasdaq Stock Market LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days.
☒ Yes ☐ No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).
☒ Yes ☐ No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer”, “smaller reporting company”, and “emerging growth company” in Rule 12b-2 of the Exchange Act:
Large accelerated filer☐Accelerated filer☒Smaller reporting company☐
Non-accelerated filer☐Emerging growth company☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
☐ Yes ☒ No

As of August 6, 2024, there were 104,727,144 shares issued and outstanding of the Registrant's common stock, par value $0.01 per share (including 76,016,524 shares held by Columbia Bank, MHC).


COLUMBIA FINANCIAL, INC. AND SUBSIDIARIES
Index to Form 10-Q                                
Item Number
Page Number
PART I.
Financial Information
Item 1.Financial Statements
Consolidated Statements of Financial Condition as of June 30, 2024 (Unaudited) and December 31, 2023
Consolidated Statements of Income (Loss) for the Three and Six Months Ended June 30, 2024 and 2023 (Unaudited)
Consolidated Statements of Comprehensive Income (Loss) for the Three and Six Months Ended June 30, 2024 and 2023 (Unaudited)
Consolidated Statements of Changes in Stockholder's Equity for the Three and Six Months Ended June 30, 2024 and 2023 (Unaudited)
Consolidated Statements of Cash Flows for the Six Months Ended June 30, 2024 and 2023 (Unaudited)
Item 2.
Item 3.
Item 4.
PART II.


COLUMBIA FINANCIAL, INC. AND SUBSIDIARIES
Consolidated Statements of Financial Condition
(In thousands, except share and per share data)
June 30,December 31,
20242023
Assets
 (Unaudited)
Cash and due from banks$391,004 $423,140 
Short-term investments110 109 
Total cash and cash equivalents391,114 423,249 
Debt securities available for sale, at fair value1,263,459 1,093,557 
Debt securities held to maturity, at amortized cost (fair value of $365,344 and $357,177 at June 30, 2024 and December 31, 2023, respectively)
411,300 401,154 
Equity securities, at fair value4,531 4,079 
Federal Home Loan Bank stock87,618 81,022 
Loans receivable7,819,011 7,874,537 
Less: allowance for credit losses57,062 55,096 
Loans receivable, net7,761,949 7,819,441 
Accrued interest receivable41,338 39,345 
Office properties and equipment, net82,547 83,577 
Bank-owned life insurance ("BOLI")271,300 268,362 
Goodwill and intangible assets122,102 123,350 
Other real estate owned1,974 — 
Other assets324,358 308,432 
Total assets$10,763,590 $10,645,568 
Liabilities and Stockholders' Equity
Liabilities:
Deposits$7,781,547 $7,846,556 
Borrowings1,683,899 1,528,695 
Advance payments by borrowers for taxes and insurance47,842 43,509 
Accrued expenses and other liabilities203,568 186,473 
Total liabilities9,716,856 9,605,233 
Stockholders' equity:
Preferred stock, $0.01 par value. 10,000,000 shares authorized; none issued and outstanding at June 30, 2024 and December 31, 2023
— — 
Common stock, $0.01 par value. 500,000,000 shares authorized; 131,370,633 shares issued and 104,755,270 shares outstanding at June 30, 2024 and 131,155,268 shares issued and 104,918,905 shares outstanding at December 31, 2023
1,314 1,312 
Additional paid-in capital796,432 791,450 
Retained earnings896,989 893,604 
Accumulated other comprehensive loss(155,482)(158,735)
Treasury stock, at cost; 26,615,363 shares at June 30, 2024 and 26,236,363 shares at December 31, 2023
(460,291)(454,128)
Common stock held by the Employee Stock Ownership Plan(31,349)(32,478)
Stock held by Rabbi Trust(3,106)(2,955)
Deferred compensation obligations2,227 2,265 
Total stockholders' equity1,046,734 1,040,335 
Total liabilities and stockholders' equity$10,763,590 $10,645,568 
See accompanying notes to unaudited consolidated financial statements.
2

COLUMBIA FINANCIAL, INC. AND SUBSIDIARIES
Consolidated Statements of Income (Loss)
(In thousands, except per share data)
Three Months Ended June 30,Six Months Ended June 30,
2024202320242023
Interest income:
(Unaudited)
Loans receivable
$95,252 $84,188 $188,201 $164,478 
Debt securities available for sale and equity securities
9,241 6,445 17,026 14,896 
Debt securities held to maturity
2,502 2,447 4,871 4,904 
Federal funds and interest-earning deposits
4,459 1,801 8,022 2,613 
Federal Home Loan Bank stock dividends
1,832 1,262 3,793 2,132 
Total interest income
113,286 96,143 221,913 189,023 
Interest expense:
Deposits
49,826 28,727 98,244 45,815 
Borrowings
19,380 16,265 37,389 31,193 
Total interest expense
69,206 44,992 135,633 77,008 
Net interest income
44,080 51,151 86,280 112,015 
Provision for credit losses
2,194 1,078 7,472 1,253 
Net interest income after provision for credit losses
41,886 50,073 78,808 110,762 
Non-interest income:
Demand deposit account fees
1,590 1,291 3,003 2,467 
Bank-owned life insurance
1,804 1,675 3,584 3,656 
Title insurance fees
744 624 1,247 1,211 
Loan fees and service charges
1,378 1,325 2,339 2,397 
Loss on securities transactions
— (9,552)(1,256)(10,847)
Change in fair value of equity securities
101 162 452 330 
Gain on sale of loans
181 (128)366 663 
Other non-interest income
3,382 4,057 6,897 7,651 
Total non-interest income
9,180 (546)16,632 7,528 
Non-interest expense:
Compensation and employee benefits
27,659 32,460 55,172 63,618 
Occupancy
6,054 5,738 12,027 11,492 
Federal deposit insurance premiums
1,879 1,734 4,234 2,423 
Advertising
661 786 1,287 1,473 
Professional fees
4,509 2,376 9,143 4,251 
Data processing and software expenses
3,914 3,601 7,881 7,426 
Merger-related expenses
692 266 714 266 
Other non-interest expense, net
879 645 1,447 559 
Total non-interest expense
46,247 47,606 91,905 91,508 
Income before income tax expense
4,819 1,921 3,535 26,782 
Income tax expense 279 257 150 6,395 
Net Income
$4,540 $1,664 $3,385 $20,387 
Earnings per share-basic $0.04 $0.02 $0.03 $0.20 
Earnings per share-diluted$0.04 $0.02 $0.03 $0.20 
Weighted average shares outstanding-basic101,651,511 102,409,035 101,699,126 103,514,169 
Weighted average shares outstanding-diluted101,651,511 102,517,584 101,804,386 103,835,235 
See accompanying notes to unaudited consolidated financial statements.
3

COLUMBIA FINANCIAL, INC. AND SUBSIDIARIES
Consolidated Statements of Comprehensive Income (Loss)
(In thousands)
Three Months Ended June 30,Six Months Ended June 30,
2024202320242023
(Unaudited)
Net income $4,540 $1,664 $3,385 $20,387 
Other comprehensive income (loss), net of tax:
Unrealized (loss) gain on debt securities available for sale(450)3,165 (5,442)16,234 
Accretion of unrealized gain (loss) on debt securities reclassified as held to maturity2 (1)6 (9)
Reclassification adjustment for (loss) gain included in net income— (6,851)(903)(7,779)
(448)(3,687)(6,339)8,446 
Derivatives, net of tax:
Unrealized gain (loss) on swap contracts accounted for as cash flow hedges298 2,883 4,058 2,018 
298 2,883 4,058 2,018 
Employee benefit plans, net of tax:
Amortization of prior service cost included in net income(10)(10)(20)(20)
Reclassification adjustment of actuarial net (loss) gain included in net income(394)1 (778)1 
Change in funded status of retirement obligations5,909 2,500 6,332 2,680 
5,505 2,491 5,534 2,661 
Total other comprehensive income5,355 1,687 3,253 13,125 
Total comprehensive income, net of tax$9,895 $3,351 $6,638 $33,512 
See accompanying notes to unaudited consolidated financial statements.

4

COLUMBIA FINANCIAL, INC. AND SUBSIDIARIES
Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (continued)
Three Months Ended June 30, 2024 and 2023 (In thousands)

Common StockAdditional Paid-in CapitalRetained EarningsAccumulated Other Comprehensive (Loss)Treasury StockCommon Stock Held by the Employee Stock Ownership PlanStock Held by Rabbi TrustDeferred Compensation ObligationsTotal Stockholders' Equity
Balance at March 31, 2024$1,314 $793,878 $892,449 $(160,837)$(455,948)$(31,914)$(3,041)$2,124 $1,038,025 
Net income— — 4,540 — — — — — 4,540 
Other comprehensive (loss)— — — 5,355 — — — — 5,355 
Stock based compensation— 2,241 — — — — — — 2,241 
Purchase of treasury stock (263,600 shares)
— — — — (4,242)— — — (4,242)
Restricted stock forfeitures (150 shares)
— 3 — — (3)— — — — 
Repurchase shares for taxes (3,786 shares)
— — — — (56)— — — (56)
Excise tax on net stock repurchases— — — — (42)— — — (42)
Employee Stock Ownership Plan shares committed to be released— 310 — — — 565 — — 875 
Funding of deferred compensation obligations— — — — — — (65)103 38 
Balance at June 30, 2024
$1,314 $796,432 $896,989 $(155,482)$(460,291)$(31,349)$(3,106)$2,227 $1,046,734 
See accompanying notes to unaudited consolidated financial statements.












5

COLUMBIA FINANCIAL, INC. AND SUBSIDIARIES
Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (continued)
Three Months Ended June 30, 2024 and 2023 (In thousands)

Common StockAdditional Paid-in CapitalRetained EarningsAccumulated Other Comprehensive (Loss)Treasury StockCommon Stock Held by the Employee Stock Ownership PlanStock Held by Rabbi TrustDeferred Compensation ObligationsTotal Stockholders' Equity
Balance at March 31, 2023$1,309 $783,642 $876,241 $(167,858)$(419,678)$(34,190)$(2,668)$2,092 $1,038,890 
Net income— — 1,664 — — — — — 1,664 
Other comprehensive (loss)— — — 1,687 — — — — 1,687 
Issuance of common stock allocated to restricted stock award grants (226,574 shares)
2 7 — — — — — — 9 
Stock based compensation— 2,028 — — — — — — 2,028 
Purchase of treasury stock (1,207,100 shares)
— — — — (21,998)— — — (21,998)
Exercise of stock options (37,234 shares)
— (33)— — — — — — (33)
Restricted stock forfeitures (10,425 shares)
— 186 — — (186)— — — — 
Excise tax on net stock repurchases— — — — (222)— — (222)
Employee Stock Ownership Plan shares committed to be released— 418 — — — 567 — — 985 
Funding of deferred compensation obligations— — — — — — (112)(110)(222)
Balance at June 30, 2023
$1,311 $786,248 $877,905 $(166,171)$(442,084)$(33,623)$(2,780)$1,982 $1,022,788 
See accompanying notes to unaudited consolidated financial statements.










6

COLUMBIA FINANCIAL, INC. AND SUBSIDIARIES
Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (continued)
Six Months Ended June 30, 2024 and 2023 (In thousands)

Common StockAdditional Paid-in CapitalRetained EarningsAccumulated Other Comprehensive (Loss)Treasury StockCommon Stock Held by the Employee Stock Ownership PlanStock Held by Rabbi TrustDeferred Compensation ObligationsTotal Stockholders' Equity
Balance at December 31, 2023$1,312 $791,450 $893,604 $(158,735)$(454,128)$(32,478)$(2,955)$2,265 $1,040,335 
Net (loss) income— — 3,385 — — — — — 3,385 
Other comprehensive (loss)— — — 3,253 — — — — 3,253 
Issuance of common stock allocated to restricted stock award grants (212,441 shares)
2 (2)— — — — — — — 
Stock based compensation— 4,270 — — — — — — 4,270 
Purchase of treasury stock (365,116 shares)
— — — — (5,894)— — — (5,894)
Exercise of stock options (28,051shares)
— (49)— — — — — — (49)
Restricted stock forfeitures (1,695 shares)
— 30 — — (30)— — — — 
Repurchase shares for taxes (12,189 shares)
— — — — (195)— — — (195)
Excise tax on net stock repurchases— — — — (44)(44)
Employee Stock Ownership Plan shares committed to be released— 733 — — — 1,129 — — 1,862 
Funding of deferred compensation obligations— — — — — — (151)(38)(189)
Balance at June 30, 2024
$1,314 $796,432 $896,989 $(155,482)$(460,291)$(31,349)$(3,106)$2,227 $1,046,734 
See accompanying notes to unaudited consolidated financial statements.










7

COLUMBIA FINANCIAL, INC. AND SUBSIDIARIES
Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (continued)
Six Months Ended June 30, 2024 and 2023 (In thousands)

Common StockAdditional Paid-in-CapitalRetained EarningsAccumulated Other Comprehensive (Loss)Treasury StockCommon Stock Held by the Employee Stock Ownership PlanStock Held by Rabbi TrustDeferred Compensation ObligationsTotal Stockholders' Equity
Balance at December 31, 2022$1,309 $781,165 $857,518 $(179,296)$(371,708)$(34,750)$(3,149)$2,506 $1,053,595 
Net income— — 20,387 — — — — — 20,387 
Other comprehensive (loss)— — — 13,125 — — — — 13,125 
Issuance of common stock allocated to restricted stock award grants (226,574 shares)
2 7 — — — — — — 9 
Stock based compensation— 3,873 — — — — — — 3,873 
Purchase of treasury stock (3,585,534 shares)
— — — — (69,321)— — — (69,321)
Exercise of stock options (40,852 shares)
— (22)— — — — — — (22)
Restricted stock forfeitures (12,354 shares)
— 225 — — (225)— — — — 
Repurchase shares for taxes (7,068 shares)
— — — — (133)— — — (133)
Excise tax on net stock repurchases— — — — (697)— — — (697)
Employee Stock Ownership Plan shares committed to be released— 1,000 — — — 1,127 — — 2,127 
Funding of deferred compensation obligations— — — — — — 369 (524)(155)
Balance at June 30, 2023
$1,311 $786,248 $877,905 $(166,171)$(442,084)$(33,623)$(2,780)$1,982 $1,022,788 
See accompanying notes to unaudited consolidated financial statements.
8

COLUMBIA FINANCIAL, INC. AND SUBSIDIARIES
Consolidated Statements of Cash Flows
Six Months Ended June 30,
20242023
(In thousands, unaudited)
Cash flows from operating activities:
Net income$3,385 $20,387 
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of deferred loan costs, fees and purchased premiums and discounts2,095 2,777 
Net amortization of premiums and discounts on securities(216)1,090 
Net amortization of mortgage servicing rights134 112 
Amortization of intangible assets1,116 1,194 
Depreciation and amortization of office properties and equipment4,078 3,823 
Amortization of operating lease right-of-use assets1,958 1,954 
Provision for credit losses 7,472 1,253 
Loss on securities transactions1,256 10,847 
Change in fair value of equity securities(452)(330)
Gain on sale of loans, net(366)(663)
Net loss on disposal of office properties and equipment— 25 
Deferred tax expense (benefit)1,688 (2,762)
Increase in accrued interest receivable(1,993)(1,261)
Increase in other assets(8,123)(10,226)
Increase (decrease) in accrued expenses and other liabilities18,319 (483)
Income on bank-owned life insurance(3,584)(3,656)
Employee stock ownership plan expense1,862 2,127 
Stock based compensation4,270 3,873 
(Increase) decrease in deferred compensation obligations under Rabbi Trust(189)(155)
Net cash provided by operating activities32,710 29,926 
Cash flows from investing activities:
Proceeds from sales of debt securities available for sale3,495 277,022 
Proceeds from paydowns/maturities/calls of debt securities available for sale62,990 53,365 
Proceeds from paydowns/maturities/calls of debt securities held to maturity6,483 6,135 
Purchases of debt securities available for sale(246,244)— 
Purchases of debt securities held to maturity(16,635)— 
Proceeds from sales of loans held-for-sale6,896 93,639 
Purchases of loans receivable— (14,729)
Net decrease (increase) in loans receivable39,419 (165,198)
Proceeds from bank-owned life insurance death benefits5 605 
Proceeds from redemptions of Federal Home Loan Bank stock 17,553 67,107 
Purchases of Federal Home Loan Bank stock(24,149)(70,270)
Additions to office properties and equipment(3,048)(2,814)
Net cash (used in) provided by investing activities$(153,235)$244,862 















9

COLUMBIA FINANCIAL, INC. AND SUBSIDIARIES
Consolidated Statements of Cash Flows (continued)
Six Months Ended June 30,
20242023
(In thousands, unaudited)
Cash flows from financing activities:
Net decrease in deposits$(65,009)$(287,003)
Proceeds from long-term borrowings210,000 261,113 
Payments on long-term borrowings(70,000)(11,300)
Net increase (decrease) in short-term borrowings15,204 (256,600)
Increase in advance payments by borrowers for taxes and insurance4,333 2,716 
Issuance of common stock for restricted stock awards— 9 
Exercise of stock options(49)(22)
Purchase of treasury stock(5,894)(69,321)
Repurchase of shares for taxes(195)(133)
Net cash provided by (used in) financing activities$88,390 $(360,541)
Net (decrease) in cash and cash equivalents$(32,135)$(85,753)
Cash and cash equivalents at beginning of year423,249 179,228 
Cash and cash equivalents at end of period$391,114 $93,475 
Cash paid during the period for:
Interest on deposits and borrowings$134,745 $73,700 
Income tax payments, net of refu