SEC Form 4 · accession 0001729859-26-000048

· CLBK

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

Reporting owner

John Klimowich

Officer — SEVP & Chief Risk Officer

Period of report

Aug 26, 2026

Accepted (ET)

Aug 28, 2026 · 2:19 pm EDT

Rule 10b5-1 plan

box not checked

Issuer CIK

0002115119

Table I — non-derivative securities

Security	Date	Code	Shares	Price	A/D	Owned after	D/I	Nature of ownership
Common Stock^F1	Aug 26, 2026	A	88	$11.62	A	20,611	I	By Stock-Based Deferral Plan
Common Stock^F2	Aug 26, 2026	A	39	$11.62	A	9,309	I	By SIM
Common Stock	holding	—	—		—	145,056	D
Common Stock^F3	holding	—	—		—	67,975	I	By 401(k)
Common Stock^F3	holding	—	—		—	19,198	I	By ESOP
Common Stock^F3	holding	—	—		—	16,852	I	By SERP
Common Stock^F4	holding	—	—		—	24,135	I	By Stock Award III
Common Stock^F5	holding	—	—		—	25,790	I	By Stock Award IV
Common Stock^F6	holding	—	—		—	26,193	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)^F7	$7.10	holding	—	—	—	Jul 23, 2020	Jul 23, 2029	Common Stock	414,117	414,117	D
Stock Options (right to buy)^F7	$7.25	holding	—	—	—	May 1, 2024	May 1, 2033	Common Stock	26,466	26,466	D
Stock Options (right to buy)^F8	$7.50	holding	—	—	—	Mar 6, 2025	Mar 6, 2034	Common Stock	19,470	19,470	D
Stock Options (right to buy)^F9	$7.38	holding	—	—	—	Mar 3, 2026	Mar 3, 2035	Common Stock	44,682	44,682	D
Stock Options (right to buy)^F10	$8.31	holding	—	—	—	Mar 2, 2027	Mar 2, 2036	Common Stock	44,499	44,499	D

Explanation of responses

F1Represents phantom stock dividends which are exempt under Rule 16b-3 in connection with the Columbia Bank Stock Based Deferral Plan.
F10Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 2, 2027.
F2Represents dividends which are exempt under Rule 16b-3 in connection with the Columbia Bank Savings Income Maintenance Plan.
F3This form reflects increases in beneficial ownership resulting from exempt acquisitions pursuant to rule 16b-3(c).
F4Stock 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.
F5Stock 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.
F6Stock 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.
F7Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.
F8Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 6, 2025.
F9Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 3, 2026.