SEC Form 4 · accession 0001729859-26-000036

Columbia Financial, Inc. · CLBK

Statement of changes in beneficial ownership, as filed. Original on EDGAR ↗

Reporting owner

John Klimowich

Officer — SEVP & Chief Risk Officer

Period of report

Jul 10, 2026

Accepted (ET)

Jul 14, 2026 · 11:26 am EDT

Rule 10b5-1 plan

box not checked

Issuer CIK

0001723596

Table I — non-derivative securities

Security	Date	Code	Shares	Price	A/D	Owned after	D/I	Nature of ownership
Common Stock^F1	Jul 10, 2026	A	32	$21.25	A	9,245	I	By Stock-Based Deferral Plan
Common Stock	holding	—	—		—	63,662	D
Common Stock	holding	—	—		—	17,130	I	By 401(k)
Common Stock	holding	—	—		—	8,689	I	By ESOP
Common Stock	holding	—	—		—	7,627	I	By SERP
Common Stock	holding	—	—		—	4,214	I	By SIM
Common Stock^F2	holding	—	—		—	10,971	I	By Stock Award III
Common Stock^F3	holding	—	—		—	11,723	I	By Stock Award IV
Common Stock^F4	holding	—	—		—	11,906	I	By Stock Award V

Table II — derivative securities

Security	Conv. / exercise price	Date	Code	Shares	A/D	Exercisable	Expires	Underlying	Underlying shares	Owned after	D/I
Stock Options (right to buy)^F5	$15.60	holding	—	—	—	Jul 23, 2020	Jul 23, 2029	Common Stock	188,235	188,235	D
Stock Options (right to buy)^F5	$15.94	holding	—	—	—	May 1, 2024	May 1, 2033	Common Stock	12,030	12,030	D
Stock Options (right to buy)^F6	$16.49	holding	—	—	—	Mar 6, 2025	Mar 6, 2034	Common Stock	8,850	8,850	D
Stock Options (right to buy)^F7	$16.23	holding	—	—	—	Mar 3, 2026	Mar 3, 2035	Common Stock	20,310	20,310	D
Stock Options (right to buy)^F8	$18.28	holding	—	—	—	Mar 2, 2027	Mar 2, 2036	Common Stock	20,227	20,227	D

Explanation of responses

F1Represents 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.
F2Stock 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.
F3Stock 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.
F4Stock 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.
F5Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.
F6Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 6, 2025.
F7Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 3, 2026.
F8Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 2, 2027.