Manesh Balachandran Prabhu - 02 Mar 2026 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: 02 Mar 2026
Net transactions value: $0
Form type: 4
Filing time: 04 Mar 2026, 14:49:05 UTC
Previous filing: 04 Nov 2025
Next filing: 10 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 Mar 2026	0001949911

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
holding	CLBK	Common Stock						546	02 Mar 2026	By Stock-Based Deferral Plan
holding	CLBK	Common Stock						4,857	02 Mar 2026	Direct
holding	CLBK	Common Stock						1,660	02 Mar 2026	By 401(k)	F1
holding	CLBK	Common Stock						2,150	02 Mar 2026	By ESOP
holding	CLBK	Common Stock						437	02 Mar 2026	By SERP
holding	CLBK	Common Stock						9,690	02 Mar 2026	By Stock Award II	F2
holding	CLBK	Common Stock						11,315	02 Mar 2026	By Stock Award III	F3
holding	CLBK	Common Stock						11,018	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		+19,545		$0.000000^*	19,545	02 Mar 2026	Common Stock	19,545	$18.28	Direct	F5
transaction	CLBK	Phantom Stock Unit	Award		+7,669		$0.000000^*	7,669	02 Mar 2026	Common Stock	7,669		Deferred Stock Unit Plan	F6, F7
holding	CLBK	Stock Options (right to buy)						12,985	02 Mar 2026	Common Stock	12,985	$20.54	Direct	F8
holding	CLBK	Stock Options (right to buy)						8,459	02 Mar 2026	Common Stock	8,459	$15.94	Direct	F9
holding	CLBK	Stock Options (right to buy)						8,296	02 Mar 2026	Common Stock	8,296	$16.49	Direct	F10
holding	CLBK	Stock Options (right to buy)						19,086	02 Mar 2026	Common Stock	19,086	$16.23	Direct	F11

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

Explanation of Responses:

Id	Content
F1	This form reflects increases in beneficial ownership resulting from exempt acquisitions pursuant to rule 16b-3(c).
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	One phantom stock unit is the economic equivalent of one share of CLBK Common Stock. Phantom stock units were granted under the Columbia Financial, Inc. 2026 Phantom Stock Plan and will be settled in cash upon distribution.
F7	On the settlement date, phantom stock units will be payable in cash. The cash value will be calculated, in accordance with the Columbia Financial, Inc. 2026 Phantom Stock Plan, based on the closing stock price of the Company's Common Stock on the determination date.
F8	Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.
F9	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.
F10	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.
F11	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.