Thomas J. Kemly - 26 Dec 2025 Form 4 Insider Report for Columbia Financial, Inc. (CLBK)

Role: President & CEO, Director
Signature: /s/ Thomas J. Kemly
Issuer symbol: CLBK
Transactions as of: 26 Dec 2025
Net transactions value: +$1,787
Form type: 4
Filing time: 30 Dec 2025, 11:51:12 UTC
Previous filing: 16 Dec 2025
Next filing: 13 Jan 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Kemly Thomas J.	President & CEO, Director	19-01 ROUTE 208 NORTH, FAIR LAWN	/s/ Thomas J. Kemly	30 Dec 2025	0001729897

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	CLBK	Common Stock	Award	$1,787	+111	+0.17%	$16.12	66,489	26 Dec 2025	By Stock-Based Deferral Plan	F1
holding	CLBK	Common Stock						233,808	26 Dec 2025	Direct
holding	CLBK	Common Stock						40,946	26 Dec 2025	By 401(k)
holding	CLBK	Common Stock						7,620	26 Dec 2025	By ESOP
holding	CLBK	Common Stock						32,597	26 Dec 2025	By SERP
holding	CLBK	Common Stock						41,572	26 Dec 2025	By SIM
holding	CLBK	Common Stock						5,933	26 Dec 2025	By Spouse
holding	CLBK	Common Stock						43,411	26 Dec 2025	By Stock Award II	F2
holding	CLBK	Common Stock						50,686	26 Dec 2025	By Stock Award III	F3
holding	CLBK	Common Stock						54,690	26 Dec 2025	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
holding	CLBK	Stock Options (right to buy)						656,471	26 Dec 2025	Common Stock	656,471	$15.60	Direct	F5
holding	CLBK	Stock Options (right to buy)						37,894	26 Dec 2025	Common Stock	37,894	$15.94	Direct	F6
holding	CLBK	Stock Options (right to buy)						37,168	26 Dec 2025	Common Stock	37,168	$16.49	Direct	F7
holding	CLBK	Stock Options (right to buy)						94,749	26 Dec 2025	Common Stock	94,749	$16.23	Direct	F8

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

Explanation of Responses:

Id	Content
F1	Represents phantom stock purchased, on a non-discretionary basis, by the trustee of the Bank's rabbi trust maintained in connection with the Columbia Bank Stock Based Deferral Plan, a non-qualified stock-based deferral plan. Stock unit interests under the Columbia Bank Stock Based Deferral Plan will be settled in shares of stock upon distribution to the reporting person.
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 are fully vested and exercisable.
F6	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.
F7	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.
F8	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.