SEC Form 4 · accession 0001957684-26-000011

· CLBK

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

Reporting owner

Mayra Liseth Rinaldi

Officer — EVP, Corp Governance & Culture

Period of report

Jul 20, 2026

Accepted (ET)

Jul 22, 2026 · 9:18 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	Jul 20, 2026	P	1,157	$10.00	A	17,104	I	By 401(k)
Common Stock	Jul 20, 2026	P	9,000	$10.00	A	12,572	I	By Spouse - IRA
Common Stock	Jul 20, 2026	P	100	$10.00	A	540	I	By UTMA Custodian for Daughter
Common Stock	Jul 20, 2026	P	50	$10.00	A	50	I	By UTMA Custodian for Son
Common Stock	Jul 20, 2026	P	30	$10.00	A	118	I	By UTMA Custodian for God Daughter
Common Stock	holding	—	—		—	44,371	D
Common Stock	holding	—	—		—	17,047	I	By ESOP
Common Stock	holding	—	—		—	149	I	By SERP
Common Stock^F1	holding	—	—		—	13,075	I	By Stock Award III
Common Stock^F2	holding	—	—		—	14,242	I	By Stock Award IV

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)^F3	$7.10	holding	—	—	—	Jul 23, 2020	Jul 23, 2029	Common Stock	108,706	108,706	D
Stock Options (right to buy)^F3	$7.25	holding	—	—	—	May 1, 2024	May 1, 2033	Common Stock	16,541	16,541	D
Stock Options (right to buy)^F4	$7.50	holding	—	—	—	Mar 6, 2025	Mar 6, 2034	Common Stock	10,546	10,546	D
Stock Options (right to buy)^F5	$7.38	holding	—	—	—	Mar 3, 2026	Mar 3, 2035	Common Stock	24,673	24,673	D
Stock Options (right to buy)^F6	$8.31	holding	—	—	—	Mar 2, 2027	Mar 2, 2036	Common Stock	26,666	26,666	D
Phantom Stock Unit^F7,F8	—	holding	—	—	—	—	—	Common Stock	10,463	10,463	I

Explanation of responses

F1Stock 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.
F2Stock 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.
F3Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.
F4Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 6, 2025.
F5Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 3, 2026.
F6Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 2, 2027.
F7One 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.
F8On 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.

Remarks

Exhibit List: Exhibit 24 Power of Attorney