John Klimowich - 02 Mar 2026 Form 4 Insider Report for Columbia Financial, Inc. (CLBK)

Role: SEVP & Chief Risk Officer
Signature: /s/ Dennis E. Gibney, Power of Attorney
Issuer symbol: CLBK
Transactions as of: 02 Mar 2026
Net transactions value: $0
Form type: 4
Filing time: 04 Mar 2026, 14:48:18 UTC
Previous filing: 24 Feb 2026
Next filing: 10 Mar 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Klimowich John	SEVP & Chief Risk Officer	19-01 ROUTE 208 NORTH, FAIR LAWN	/s/ Dennis E. Gibney, Power of Attorney	04 Mar 2026	0001729859

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	CLBK	Common Stock	Award		+11,906		$0.000000^*	11,906	02 Mar 2026	By Stock Award V	F1
holding	CLBK	Common Stock						8,300	02 Mar 2026	By Stock-Based Deferral Plan
holding	CLBK	Common Stock						60,769	02 Mar 2026	Direct
holding	CLBK	Common Stock						17,130	02 Mar 2026	By 401(k)
holding	CLBK	Common Stock						7,620	02 Mar 2026	By ESOP
holding	CLBK	Common Stock						7,051	02 Mar 2026	By SERP
holding	CLBK	Common Stock						4,214	02 Mar 2026	By SIM
holding	CLBK	Common Stock						13,781	02 Mar 2026	By Stock Award II	F2
holding	CLBK	Common Stock						12,068	02 Mar 2026	By Stock Award III	F3
holding	CLBK	Common Stock						11,723	02 Mar 2026	By Stock Award IV	F4

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	CLBK	Stock Options (right to buy)	Award		+20,227		$0.000000^*	20,227	02 Mar 2026	Common Stock	20,227	$18.28	Direct	F5
holding	CLBK	Stock Options (right to buy)						188,235	02 Mar 2026	Common Stock	188,235	$15.60	Direct	F6
holding	CLBK	Stock Options (right to buy)						12,030	02 Mar 2026	Common Stock	12,030	$15.94	Direct	F7
holding	CLBK	Stock Options (right to buy)						8,850	02 Mar 2026	Common Stock	8,850	$16.49	Direct	F8
holding	CLBK	Stock Options (right to buy)						20,310	02 Mar 2026	Common Stock	20,310	$16.23	Direct	F9

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive plan, which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award on March 2, 2029.
F2	Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive plan, 25% of which vest in three approximately equal annual installments commencing on May 1, 2024; and the remaining 75% of which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award.
F3	Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive plan, 25% of which vest in three approximately equal annual installments commencing on March 6, 2025; and the remaining 75% of which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award.
F4	Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive plan, which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award on March 3, 2028.
F5	Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 2, 2027.
F6	Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.
F7	Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on May 1, 2024.
F8	Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 6, 2025.
F9	Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 3, 2026.