Manesh Balachandran Prabhu - 31 Oct 2025 Form 4 Insider Report for Columbia Financial, Inc. (CLBK)

Role: EVP & CIO
Signature: /s/ Dennis E. Gibney, Power of Attorney
Issuer symbol: CLBK
Transactions as of: 31 Oct 2025
Net transactions value: -$7,700
Form type: 4
Filing time: 04 Nov 2025, 12:31:45 UTC
Previous filing: 05 May 2025
Next filing: 04 Mar 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Prabhu Manesh Balachandran	EVP & CIO	19-01 ROUTE 208 NORTH, FAIR LAWN	/s/ Dennis E. Gibney, Power of Attorney	04 Nov 2025	0001949911

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	CLBK	Common Stock	Tax liability	$7,700	-522	-9.7%	$14.75	4,857	31 Oct 2025	Direct	F1
holding	CLBK	Common Stock						546	31 Oct 2025	By Stock-Based Deferral Plan
holding	CLBK	Common Stock						1,541	31 Oct 2025	By 401(k)	F2
holding	CLBK	Common Stock						2,150	31 Oct 2025	By ESOP
holding	CLBK	Common Stock						437	31 Oct 2025	By SERP
holding	CLBK	Common Stock						9,690	31 Oct 2025	By Stock Award II	F3
holding	CLBK	Common Stock						11,315	31 Oct 2025	By Stock Award III	F4
holding	CLBK	Common Stock						11,018	31 Oct 2025	By Stock Award IV	F5

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)						12,985	31 Oct 2025	Common Stock	12,985	$20.54	Direct	F6
holding	CLBK	Stock Options (right to buy)						8,459	31 Oct 2025	Common Stock	8,459	$15.94	Direct	F7
holding	CLBK	Stock Options (right to buy)						8,296	31 Oct 2025	Common Stock	8,296	$16.49	Direct	F8
holding	CLBK	Stock Options (right to buy)						19,086	31 Oct 2025	Common Stock	19,086	$16.23	Direct	F9

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

Explanation of Responses:

Id	Content
F1	The number of shares held directly includes certain shares that were previously held by Stock Award and that have subsequently vested.
F2	This form reflects increases in beneficial ownership resulting from exempt acquisitions pursuant to rule 16b-3(c).
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 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.
F4	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.
F5	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.
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.