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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 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 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 filerAccelerated filerSmaller reporting company
Non-accelerated filerEmerging 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 November 4, 2022, there were 109,575,472 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 September 30, 2022 (Unaudited) and December 31, 2021
Consolidated Statements of Income for the Three and Nine Months Ended September 30, 2022 and 2021 (Unaudited)
Consolidated Statements of Comprehensive Income (Loss) for the Three and Nine Months Ended September 30, 2022 and 2021 (Unaudited)
Consolidated Statements of Changes in Stockholder's Equity for the Three and Nine Months Ended September 30, 2022 and 2021 (Unaudited)
Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2022 and 2021 (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)
September 30,December 31,
20222021
Assets
 (Unaudited)
Cash and due from banks$101,917 $70,702 
Short-term investments131 261 
Total cash and cash equivalents102,048 70,963 
Debt securities available for sale, at fair value1,371,721 1,703,847 
Debt securities held to maturity, at amortized cost (fair value of $373,494 and $434,789 at September 30, 2022 and December 31, 2021, respectively)
425,077 429,734 
Equity securities, at fair value3,453 2,710 
Federal Home Loan Bank stock37,726 23,141 
Loans receivable7,326,223 6,360,601 
Less: allowance for credit losses (1)
51,891 62,689 
Loans receivable, net7,274,332 6,297,912 
Accrued interest receivable30,152 28,300 
Office properties and equipment, net84,255 78,708 
Bank-owned life insurance ("BOLI")263,217 247,474 
Goodwill and intangible assets126,296 91,693 
Other assets293,894 249,615 
Total assets$10,012,171 $9,224,097 
Liabilities and Stockholders' Equity
Liabilities:
Deposits$8,064,893 $7,570,216 
Borrowings674,018 377,309 
Advance payments by borrowers for taxes and insurance44,463 36,471 
Accrued expenses and other liabilities199,152 161,020 
Total liabilities8,982,526 8,145,016 
Stockholders' equity:
Preferred stock, $0.01 par value. 10,000,000 shares authorized; none issued and outstanding at September 30, 2022 and December 31, 2021
  
Common stock, $0.01 par value. 500,000,000 shares authorized; 130,789,496 shares issued and 109,907,943 shares outstanding at September 30, 2022 and 124,630,738 shares issued and 107,442,453 shares outstanding at December 31, 2021
1,308 1,246 
Additional paid-in capital779,294 667,906 
Retained earnings835,627 765,133 
Accumulated other comprehensive loss(201,149)(45,919)
Treasury stock, at cost; 20,881,553 shares at September 30, 2022 and 17,188,285 shares at December 31, 2021
(349,373)(271,647)
Common stock held by the Employee Stock Ownership Plan(35,322)(37,026)
Stock held by Rabbi Trust(3,010)(2,425)
Deferred compensation obligations2,270 1,813 
Total stockholders' equity1,029,645 1,079,081 
Total liabilities and stockholders' equity$10,012,171 $9,224,097 
See accompanying notes to unaudited consolidated financial statements.
 (1) The Company adopted ASU 2016-13 as of January 1, 2022. Prior year periods have not been restated.
2


COLUMBIA FINANCIAL, INC. AND SUBSIDIARIES
Consolidated Statements of Income
(In thousands, except per share data)
Three Months Ended September 30,Nine Months Ended September 30,
2022202120222021
Interest income:
(Unaudited)
Loans receivable
$68,516 $55,451 $187,400 $171,902 
Debt securities available for sale and equity securities
8,434 7,622 25,741 21,521 
Debt securities held to maturity
2,440 2,353 7,223 6,256 
Federal funds and interest-earning deposits
151 167 245 310 
Federal Home Loan Bank stock dividends
384 460 1,129 1,582 
Total interest income
79,925 66,053 221,738 201,571 
Interest expense:
Deposits
6,968 6,673 16,326 23,403 
Borrowings
3,806 2,028 7,028 5,996 
Total interest expense
10,774 8,701 23,354 29,399 
Net interest income
69,151 57,352 198,384 172,172 
Provision for (reversal of) credit losses (1)
1,516 480 4,514 (2,561)
Net interest income after provision for (reversal of) credit losses
67,635 56,872 193,870 174,733 
Non-interest income:
Demand deposit account fees
1,510 986 4,129 2,682 
Bank-owned life insurance
1,633 1,504 5,501 4,475 
Title insurance fees
796 1,431 2,788 4,554 
Loan fees and service charges
1,432 844 2,928 2,209 
Gain on securities transactions
 2,296 210 2,015 
Change in fair value of equity securities
(264)(443)(332)(1,809)
(Loss) gain on sale of loans
(1)140 109 10,814 
Other non-interest income
3,058 2,116 7,541 6,920 
Total non-interest income
8,164 8,874 22,874 31,860 
Non-interest expense:
Compensation and employee benefits
31,523 24,512 86,393 71,506 
Occupancy
5,973 4,846 16,838 14,912 
Federal deposit insurance premiums
645 604 1,922 1,751 
Advertising
771 662 2,215 1,860 
Professional fees
2,134 1,766 5,727 5,207 
Data processing and software expenses
3,670 2,798 10,036 8,181 
Merger-related expenses
1,198 55 2,676 130 
Loss on extinguishment of debt   742 
Other non-interest expense, net
1,925 1,809 4,501 8,076 
Total non-interest expense
47,839 37,052 130,308 112,365 
 Income before income tax expense
27,960 28,694 86,436 94,228 
Income tax expense 7,041 7,712 22,154 25,513 
Net income
$20,919 $20,982 $64,282 $68,715 
Earnings per share-basic $0.20 $0.20 $0.61 $0.66 
Earnings per share-diluted$0.19 $0.20 $0.61 $0.66 
Weighted average shares outstanding-basic106,926,864 102,977,254 105,440,345 104,486,520 
Weighted average shares outstanding-diluted107,534,498 102,977,254 106,040,240 104,486,520 
See accompanying notes to unaudited consolidated financial statements.
(1) The Company adopted ASU 2016-13 as of January 1, 2022. Prior year periods have not been restated.
3


COLUMBIA FINANCIAL, INC. AND SUBSIDIARIES
Consolidated Statements of Comprehensive Income (Loss)
(In thousands)
Three Months Ended September 30,Nine Months Ended September 30,
2022202120222021
(Unaudited)
Net income $20,919 $20,982 $64,282 $68,715 
Other comprehensive (loss) income, net of tax:
Unrealized (loss) on debt securities available for sale(47,155)(9,943)(142,643)(22,189)
Accretion of unrealized (loss) on debt securities reclassified as held to maturity(13)(2)(21) 
Reclassification adjustment for gain included in net income 1,791 151 1,589 
(47,168)(8,154)(142,513)(20,600)
Derivatives, net of tax:
Unrealized gain on swap contracts accounted for as cash flow hedges1,182 1,467 5,167 8,098 
1,182 1,467 5,167 8,098 
Employee benefit plans, net of tax:
Amortization of prior service cost included in net income(11)(10)(31)(31)
Reclassification adjustment of actuarial net (loss) included in net income(244)(1,089)(732)(3,267)
Change in funded status of retirement obligations937 2,198 (17,121)36,570 
682 1,099 (17,884)33,272 
Total other comprehensive (loss) income(45,304)(5,588)(155,230)20,770 
Total comprehensive (loss) income, net of tax$(24,385)$15,394 $(90,948)$89,485 
See accompanying notes to unaudited consolidated financial statements.

4


COLUMBIA FINANCIAL, INC. AND SUBSIDIARIES
Consolidated Statements of Changes in Stockholders' Equity (Unaudited)
Three Months Ended September 30, 2022 and 2021
(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 June 30, 2022$1,308 $776,542 $814,708 $(155,845)$(325,723)$(35,895)$(2,878)$2,067 $1,074,284 
Net income— — 20,919 — — — — — 20,919 
Other comprehensive (loss)— — — (45,304)— — — — (45,304)
Stock based compensation— 1,680 — — — — — — 1,680 
Purchase of treasury stock (874,080 shares)
— — — — (18,590)— — — (18,590)
Exercise of stock options (87,025 shares)
— (253)— — — — — — (253)
Restricted stock forfeitures (31,796 shares)
— 661 — — (661)— — —  
Repurchase shares for taxes (198,794 shares)
— — — — (4,399)— — — (4,399)
Employee Stock Ownership Plan shares committed to be released— 664 — — — 573 — — 1,237 
Funding of deferred compensation obligations— — — — — — (132)203 71 
Balance at September 30, 2022
$1,308 $779,294 $835,627 $(201,149)$(349,373)$(35,322)$(3,010)$2,270 $1,029,645 
See accompanying notes to unaudited consolidated financial statements.

















5



COLUMBIA FINANCIAL, INC. AND SUBSIDIARIES
Consolidated Statements of Changes in Stockholders' Equity (Unaudited)
Three Months Ended September 30, 2022 and 2021
(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 June 30, 2021$1,220 $614,381 $720,817 $(43,267)$(221,072)$(38,169)$(2,205)$1,341 $1,033,046 
Net income— — 20,982 — — — — — 20,982 
Other comprehensive income— — — (5,588)— — — — (5,588)
Stock based compensation— 2,203 — — — — — — 2,203 
Purchase of treasury stock (1,163,500 shares)
— — — — (20,544)— — — (20,544)
Exercise of options (26,861 shares)
— (26)— — — — — — (26)
Restricted stock forfeitures (29,882 shares)
— 539 — — (539)— — —  
Repurchase shares for taxes (16,599 shares)
— — — — (292)— — — (292)
Employee Stock Ownership Plan shares committed to be released— 451 — — — 572 — — 1,023 
Funding of deferred compensation obligations— — — — — — (94)166 72 
Balance at September 30, 2021
$1,220 $617,548 $741,799 $(48,855)$(242,447)$(37,597)$(2,299)$1,507 $1,030,876 
See accompanying notes to unaudited consolidated financial statements.








6


COLUMBIA FINANCIAL, INC. AND SUBSIDIARIES
Consolidated Statements of Changes in Stockholders' Equity (Unaudited)
Nine Months Ended September 30, 2022 and 2021
(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, 2021$1,246 $667,906 $765,133 $(45,919)$(271,647)$(37,026)$(2,425)$1,813 $1,079,081 
Effect of adopting ASU No. 2016-13 ("CECL")— — 6,212 — — — — 6,212 
Balance at January 1, 20221,246 667,906 771,345 (45,919)(271,647)(37,026)(2,425)1,813 1,085,293 
Net income— — 64,282 — — — — — 64,282 
Other comprehensive (loss)— — — (155,230)— — — — (155,230)
Issuance of common stock to Columbia Bank MHC61 102,680 — — — — — — 102,741 
Issuance of common stock allocated to restricted stock award grants (51,746 shares)
1 (1)— — — — — —  
Stock based compensation— 5,787 — — — — — — 5,787 
Purchase of treasury stock (3,420,747 shares)
— — — — (71,766)— — — (71,766)
Exercise of stock options (155,296 shares)
— (445)— — — — — — (445)
Restricted stock forfeitures (68,548 shares)
— 1,448 — —