Columbia Financial, Inc./MD/

For the period ended Sep 30, 2026. Filed Nov 9, 2026.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2026 · Filed Nov 9, 2026

CLBK$11.33-0.2%Stored close · as of Nov 10, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Consolidated Statements of Income

(In thousands, except per share data)

	Three Months Ended September 30,		Nine Months Ended September 30,
	2026	2025	2026	2025
Interest income: · (Unaudited)
Loans receivable	$152,636	$103,792	$358,128	$298,548
Debt securities available for sale and equity securities	25,403	9,858	46,941	29,901
Debt securities held to maturity	4,879	2,886	10,486	8,619
Federal funds and interest-earning deposits	7,738	2,623	13,425	7,924
Federal Home Loan Bank and Federal Reserve Bank stock dividends	2,001	1,258	4,799	4,079
Total interest income	192,657	120,417	433,779	349,071
Interest expense:
Deposits	62,840	49,569	155,285	149,058
Borrowings	15,436	13,462	40,803	38,599
Total interest expense	78,276	63,031	196,088	187,657
Net interest income	114,381	57,386	237,691	161,414
Provision for credit losses	1,832	2,344	7,100	7,745
Net interest income after provision for credit losses	112,549	55,042	230,591	153,669
Non-interest (loss) income:
Demand deposit account fees	3,027	2,037	7,164	5,940
Bank-owned life insurance	3,768	2,133	8,682	5,982
Title insurance fees	714	684	2,201	2,191
Loan fees and service charges	1,103	1,570	4,088	4,370
(Loss) gain on securities transactions	(40,849)	—	(40,849)	336
Change in fair value of equity securities	(447)	714	(1,429)	1,294
(Loss) gain on sale of loans	(7,567)	401	(6,792)	901
Bargain purchase gain	25,689	—	25,689	—
(Loss) gain on sale of other real estate owned	(1,770)	—	(1,770)	281
Other non-interest income	2,424	2,328	6,685	7,216
Total non-interest (loss) income	(13,908)	9,867	3,669	28,511
Non-interest expense:
Compensation and employee benefits	43,462	29,248	106,524	86,764
Occupancy	8,663	6,055	22,242	18,208
Federal deposit insurance premiums	2,331	1,783	5,743	5,402
Advertising	915	512	2,228	1,606
Professional fees	2,377	2,590	5,995	8,624
Data processing and software expenses	5,748	4,457	15,366	12,621
Merger-related expenses	30,641	—	33,283	—
Loss on extinguishment of debt	196	—	196	—
Amortization of intangible assets	3,489	560	4,611	1,592
Other non-interest expense, net	(317)	(119)	(1,779)	(980)
Total non-interest expense	97,505	45,086	194,409	133,837
Income before income tax expense	1,136	19,823	39,851	48,343
Income tax (benefit) expense	(4,095)	4,955	7,034	12,270
Net Income	$5,231	$14,868	$32,817	$36,073
Earnings per share-basic	$0.02	$0.07	$0.14	$0.16
Earnings per share-diluted	$0.02	$0.07	$0.14	$0.16
Weighted average shares outstanding-basic (1)	250,984,115	224,468,686	232,335,137	224,275,297
Weighted average shares outstanding-diluted (1)	251,662,369	224,468,686	232,571,404	224,275,297
(1) Share and per share amounts related to periods prior to the date of conversion (July 20, 2026) have been adjusted to give retroactive recognition to the 2.2000 exchange ratio applied in second-step conversion (See Note 1).
See accompanying notes to unaudited consolidated financial statements.

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.