clbk-20260625

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 11-K

(Mark one)


☒			ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2025


☐			TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Commission File Number: 001-38456

A.Full title of the plan and the address of the plan, if different from that of the issuer named below:

Columbia Bank Savings and Investment Plan

B.Name of issuer of the securities held pursuant to the plan and the address of its principal executive office:

Columbia Financial, Inc.

19-01 Route 208 North

Fair Lawn, New Jersey 07410

COLUMBIA BANK

SAVINGS AND INVESTMENT PLAN

Financial Statements and Schedule

December 31, 2025 and 2024

(With Report of Independent Registered Public Accounting Firm)

COLUMBIA BANK

SAVINGS AND INVESTMENT PLAN


Table of Contents
			Page
Report of Independent Registered Public Accounting Firm			3

Financial Statements

Statements of Net Assets Available for Benefits as of December 31, 2025 and 2024			4

Statement of Changes in Net Assets Available for Benefits for the Year Ended December 31, 2025			5

Notes to Financial Statements			6

Supplementary Schedule

Schedule H, Line 4i - Schedule of Assets (Held at End of Year) as of December 31, 2025			13

Signatures			14

Exhibit Index			15

Report of Independent Registered Public Accounting Firm

To the Plan Administrator, Plan Participants and Columbia Bank's Savings and Investment Committee

Columbia Bank Savings and Investment Plan

Opinion on the Financial Statements

We have audited the accompanying statements of net assets available for benefits of Columbia Bank Savings and Investment Plan (the "Plan") as of December 31, 2025 and 2024, and the related statement of changes in net assets available for benefits for the year ended December 31, 2025, and the related notes to the financial statements (collectively referred to as the "financial statements"). In our opinion, the financial statements present fairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2025 and 2024, and the changes in net assets available for benefits for the year ended December 31, 2025, in conformity with accounting principles generally accepted in the United States of America.

Basis for Opinion

These financial statements are the responsibility of the Plan's management. Our responsibility is to express an opinion on the Plan's financial statements based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) ("PCAOB") and are required to be independent with respect to the Plan in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. The Plan is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. As part of our audits, we are required to obtain an understanding of internal control over financial reporting, but not for purposes of expressing an opinion on the effectiveness of the Plan’s internal control over financial reporting. Accordingly, we express no such opinion.

Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures include examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.

Supplemental Information

The supplemental Schedule of Assets (Held at End of Year) (Schedule H, Line 4i) as of December 31, 2025 has been subjected to the audit procedures performed in conjunction with the audit of the Plan's financial statements. The supplemental information is the responsibility of the Plan's management. Our audit procedures included determining whether the supplemental information reconciles to the financial statements or the underlying accounting and other records, as applicable, and performing procedures to test the completeness and accuracy of the information presented in the supplemental information. In forming our opinion on the supplemental information in the accompanying schedule, we evaluated whether the supplemental information, including its form and content, is presented in conformity with the Department of Labor's Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. In our opinion, the supplemental information in the accompanying schedule is fairly stated, in all material respects, in relation to the financial statements as a whole.

/s/ CohnReznick LLP

We have served as the Plan's auditor since 2020.

Parsippany, New Jersey

June 25, 2026

COLUMBIA BANK

SAVINGS AND INVESTMENT PLAN

Statements of Net Assets Available for Benefits

December 31, 2025 and 2024


	December 31,
	2025		2024
Assets:
Investments:
Employer common stock	$	8,825,085	$	10,610,576
Investment in mutual funds, at fair value (see Note 3)	148,240,833		130,663,672
Total investments	157,065,918		141,274,248

Receivables:


Notes receivable from participants	398,878		427,372
Total receivables	398,878		427,372
Total assets	157,464,796		141,701,620
Net assets available for benefits	$	157,464,796	$	141,701,620

See accompanying notes to financial statements.

COLUMBIA BANK

SAVINGS AND INVESTMENT PLAN

Statement of Changes in Net Assets Available for Benefits

Year Ended December 31, 2025


Additions:
Investment income:
Interest and dividends	$	6,248,350
Net appreciation in fair value of investments	17,031,745
Total investment income	23,280,095
Other income	358,374
Interest income on notes receivable from participants	34,117
Contributions:
Employee	6,051,201
Rollovers	1,258,709
Employer, net of forfeitures	2,592,604
Total contributions	9,902,514
Total additions	33,575,100
Deductions:
Benefits paid	17,776,608
Administrative expenses	35,316
Total deductions	17,811,924

Increase in net assets before transfer	15,763,176



Net assets available for benefits at beginning of year	141,701,620
Net assets available for benefits at end of year	$	157,464,796

See accompanying notes to financial statements.

COLUMBIA BANK

SAVINGS AND INVESTMENT PLAN

Notes to Financial Statements

December 31, 2025 and 2024

(1)Description of Plan

The following description is provided for general information summary purposes. Participants of Columbia Bank Savings and Investment Plan (the "Plan") should refer to the Summary Plan Document for a more complete description of the Plan’s provisions.

(a)General

The Plan is a participant-directed, defined contribution plan covering those employees of Columbia Bank and its subsidiaries (the "Bank") under the provisions of Section 401(a) of the Internal Revenue Code (the "IRC"), which includes a deferred arrangement as described in Section 401(k) of the IRC, for the benefit of eligible employees of the Bank. Participants are allowed to begin contributions to the Plan effective the first day of the month following their hire date. Contributions are deposited with and invested by Fidelity Management Trust Company ("FMTC"), the trustee of the Plan. The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"). The Columbia Bank Savings and Investment Plan Committee is responsible for the oversight of the Plan.

(b)Eligibility

Generally, all non-union full time, part time and temporary employees of the Bank with more than 1,000 hours of service are eligible to participate in the Plan on the first day of the month following their hire date.

(c)Contributions

Participants may elect to make tax deferred contributions by payroll deduction at an annual amount of up to 60% of total pay up to a maximum amount allowed by the Internal Revenue Service (the "IRS"), as defined in the Plan. Participants who have attained age 50 before the end of the Plan year and who are making deferral contributions to the Plan are eligible to make catch-up contributions of up to a maximum of $7,500, and a super catch-up contribution of up to a maximum of $11,500 is available for participants between 60 and 63 years old by the end of the calendar year, for the year ended December 31, 2025. The Plan also allows Roth contributions. The Bank will contribute an amount on the participant’s behalf equal to 100% of that portion of the participant’s contribution of the first 3.00% for employees hired prior to October 1, 2018, and the first 4.50% of contributions for employees hired on or after October 1, 2018, generally, after six months of service. The participant may change the contribution percentage monthly, and any change in a participant’s pay will automatically change the participant’s and the Bank’s contributions. The Bank’s Board of Directors, if profits permit, may authorize that an additional contribution be made during the Plan year. There were no additional contributions made for the year ended December 31, 2025.

All new employees are automatically enrolled in the Plan 30 days after they first become eligible with an automatic participant contribution percentage of 4.50% of eligible compensation. After six months of service, they are entitled to the Company match based on their contribution election with a maximum match of 4.50%. Enrolled participants may change their contribution rates at any time, including electing not to contribute to the Plan.

COLUMBIA BANK

SAVINGS AND INVESTMENT PLAN

Notes to Financial Statements

December 31, 2025 and 2024

(1) Description of Plan (continued)

(d)Participant Accounts

Each participant's account is valued on a daily basis and credited with the participant’s and the Bank's matching contributions, as well as allocations of net investment earnings or losses and administrative expenses. The allocations of employer contributions are based on both participant contributions and participant compensation, as defined in the Plan document. The benefit to which a participant is entitled is the benefit that can be provided from the participant’s vested account.

Participants are permitted to select among various investments offered within the Plan. Each investment has separate investment objectives.

(e)Vesting

Participants are 100% vested immediately in their contributions and the earnings or losses thereon. Bank contributions and earnings or losses thereon generally vest 25% after two years of service, 50% after three years of service, 75% after four years of service, and 100% after five years of service. In addition, upon retirement at age 65 or later, or in the event of death or permanent disability, participants have a 100% vested interest in the Bank’s contributions and the earnings or losses thereon. In the event of resignation or discharge prior to age 65, a participant who completed at least five years of service has a 100% vested interest in the Bank’s contributions and earnings or losses thereon. Such vested interest is generally reduced by 25% for each year of service less than five years. Benefits are generally paid in the form of annuity, lump-sum distribution, or installments.

(f)Forfeitures

Forfeitures of nonvested Bank contributions are used to reduce subsequent employer contributions. At December 31, 2025 and 2024, the forfeited nonvested account totaled $157,558 and $155,978, respectively. During the year ended December 31, 2025, the Bank's contribution was reduced by $250,394 in forfeitures.

(g)Notes Receivable from Participants

In accordance with the Plan document, the minimum amount a participant can borrow is $1,000. The maximum amount a participant can borrow is the lesser of $50,000 or 50% of the vested balance of their account. The loans are secured by the balance in the participant’s account. The rate of interest for the term of the loan will be established as of the loan date.

(h)Payment of Benefits

During employment, a participant may make withdrawals of amounts applicable to employees and vested employer contributions, subject to certain restrictions, as defined. Participants are entitled to withdraw funds upon attaining age 59½ or for financial hardship before that age. Participants may qualify for financial hardship withdrawals if they have an immediate and substantial financial need, as defined by the Plan document.

Upon termination of employment, a participant may leave their account with the Plan and defer commencement of receipt of their vested balance until April 1st of the calendar year following the calendar year in which they attain age 73, or 75 for those born in 1960 or later, except to the extent that their vested account balance as of the date of termination is less than $1,000, in which case their interest in the Plan will be cashed out and payment forwarded to the participant. On termination of service due to death, the value of the entire account will be payable to the participant’s beneficiary in the form of a lump-sum payment, or rollover to an individual retirement account or another qualified plan for a surviving spouse. For termination of service due to disability, a participant is entitled to the same withdrawal rights as if they had terminated their employment.

COLUMBIA BANK

SAVINGS AND INVESTMENT PLAN

Notes to Financial Statements

December 31, 2025 and 2024

(1) Description of Plan (continued)

(i)Hardship Withdrawals

Under certain conditions, participants, while still employed by the Bank, are permitted to withdraw, in a single sum, the employee contribution portion of their account balance. These conditions include unreimbursed medical expenses, the purchase of a principal residence, the payment of post-secondary education tuition or to prevent eviction from or foreclosure on a principal residence.

(j)Administrative Costs

Participants who take a loan from the Plan incur a one-time fee for establishing the loan as well as a quarterly loan administrative fee. These fees are charged directly to the individual participant’s accounts. Significant administrative expenses of the Plan have been paid by the Bank. Such costs primarily relate to audit fees and use of Bank personnel to administer and account for the Plan.

(2) Summary of Significant Accounting Policies

The following are the significant accounting policies followed by the Plan:

(a)Basis of Accounting

The Plan's financial statements are prepared on the accrual basis of accounting, which is in accordance with accounting principles generally accepted in the United States of America ("U.S. GAAP").

(b)Use of Estimates

The preparation of financial statements in accordance with U.S. GAAP requires the Plan administrator to make certain estimates and assumptions that affect the reported amounts of assets and liabilities, and changes therein, and disclosures of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

(c)Investment Valuation

The Plan's investments are reported at fair value. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. See Note 3 for discussion of fair value measurements.

(d)Notes Receivable from Participants

Notes receivable from participants are measured at their unpaid principal balance plus any accrued but unpaid interest. Interest income is recorded on the accrual basis. Delinquent participant loans are reclassified as distributions based upon the terms of the Plan management. As of December 31, 2025 and 2024, interest rates charged on participant loans ranged between 4.00% and 10.50%, with maturities through February 27, 2031.

COLUMBIA BANK

SAVINGS AND INVESTMENT PLAN

Notes to Financial Statements

December 31, 2025 and 2024

(2) Summary of Significant Accounting Policies (continued)

(e)Risks and Uncertainties

The Plan invests in various investment securities, including mutual funds and common stock of Columbia Financial, Inc., the parent company of the Bank. These investments are exposed to various risks such as interest rate, market and credit risks. Due to the level of risk associated with certain investment securities, it is at least reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect participants' account balances and the amounts reported in the statements of net assets available for benefits.

The Plan's exposure to a concentration of credit risk is limited by the diversification of investments across various participant-directed fund elections. The Plan's exposure to a concentration of risk depends on the investment options selected by the participant. Participant-directed investments are subject to the risks associated with the underlying investment options. The plan offers an investment in employer common stock. This investment is subject to risks associated with a single-security investment, including changes in financial condition and results of operations of the issuing company, as well as broader market and industry conditions. A significant decline in the value of employer stock could materially impact participants who invest a substantial portion of their account balances in this investment option.

(f)Income Recognition

Purchases and sales of investments, and related realized gains and losses, are recorded on a trade-date basis. Interest income is recorded on the accrual basis. Dividends are recorded on the ex-dividend date. Net appreciation includes gains and losses on investments bought and sold as well as those held during the year.

(g)Payment of Benefits

Benefit payments are recorded when paid.

(h)Contributions

Contributions from Plan participants and the matching contributions from the Company are recorded in the year in which the employee contributions are withheld from compensation.

(3) Fair Value Measurements

The Plan measures its investments at fair value on a recurring basis in accordance with U.S. GAAP, which establishes a framework for measuring fair value. That framework provides a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. There are three levels of inputs that may be used to measure fair values:

•Level 1 - Unadjusted quoted prices for identical assets or liabilities in active markets that are accessible on the measurement date.

•Level 2 - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar instruments in markets that are active or not active, or inputs that are observable or can be corroborated by observable market data for substantially for the full term of the asset or liability.

•Level 3 - Prices or valuation techniques that require unobservable inputs that are both significant to the fair value measurement and unobservable (i.e., supported by minimal or no market activity). Valuation techniques include the use of option pricing models, discounted cash flow models and similar techniques.

COLUMBIA BANK

SAVINGS AND INVESTMENT PLAN

Notes to Financial Statements

December 31, 2025 and 2024

(3) Fair Value Measurements (continued)

A financial instrument's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. Valuation techniques used need to maximize the use of observable inputs and minimize the use of unobservable inputs.

The following tables set forth by level, within the fair value hierarchy, the Plan's investment assets at fair value as of December 31, 2025 and 2024:


	December 31, 2025
	Total		Level 1		Level 2		Level 3

Common stock	$	8,825,085	$	8,825,085	$	—	$	—
Mutual funds	148,240,833		148,240,833		—		—
Total investments at fair value	$	157,065,918	$	157,065,918	$	—	$	—

	December 31, 2024
	Total		Level 1		Level 2		Level 3

Common stock	$	10,610,576	$	10,610,576	$	—	$	—
Mutual funds	130,663,672		130,663,672		—		—
Total investments at fair value	$	141,274,248	$	141,274,248	$	—	$	—

Following is a description of the valuation methodologies used for assets measured at fair value:

•Common stock is valued at the closing price reported on the active market on which individual securities are traded.

•Mutual funds are measured based on exchange quoted prices available in active markets.

The methods described above may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. Furthermore, while the Plan's management believes the valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain investments could result in different fair value measurements at the reporting date. There have been no changes in methodologies used at December 31, 2025 and 2024. For the years ended December 31, 2025 and 2024, there were no transfers between levels.

(4) Plan Termination

The Bank has not expressed any intention to discontinue the Plan; however, it has the right under the Plan to terminate or discontinue its contributions to the Plan at any time subject to the provisions of ERISA. In the event of Plan termination, Plan participants will become 100% vested in their Bank contribution accounts and are entitled to full distribution of such amounts.

COLUMBIA BANK

SAVINGS AND INVESTMENT PLAN

Notes to Financial Statements

December 31, 2025 and 2024

(5) Tax Status

The Company adopted a nonstandardized volume submitter profit sharing plan with the Cash or Deferred Arrangement ("CODA") sponsored by Fidelity Management & Research LLC ("FMR"). An opinion letter dated June 30, 2020 was received from the Internal Revenue Service ("IRS") as to the prototype plan's qualified status. Although the prototype plan and the Plan have been amended since the issuance of the IRS determination letter, the Plan administrator believes the Plan is designed and is being operated in compliance with the applicable provisions of the IRC and is relying on this opinion letter. Therefore, no provision for income taxes has been included in the Plan’s financial statements.

U.S. GAAP requires Plan management to evaluate tax positions taken by the Plan and recognize a tax liability, or asset, if the Plan has taken an uncertain position that more likely than not would not be sustained upon examination by the IRS. Plan management has analyzed the tax positions taken by the Plan and has concluded that as of December 31, 2025 and 2024, there are no uncertain positions taken or expected to be taken that would require recognition of a liability, or asset, or disclosure in the financial statements. The Plan is subject to routine audits by federal and New Jersey tax jurisdictions; however, there are currently no audits for any tax periods in progress.

(6) Related-Party Transactions and Exempt Party-in-Interest Transactions

The Plan owns 567,807 and 671,053 shares of Columbia Financial, Inc. common stock as of December 31, 2025 and 2024, respectively. During 2025, the Plan purchased 20,561 shares of stock at an aggregate cost of $318,592 and sold 123,806 shares of stock for total proceeds of $2,616,281. The Bank pays for fees for accounting and the administrative services. Additionally, certain employees and officers of the Bank, who are also participants in the Plan, perform administrative services for the Plan at no cost. Fees paid by the Plan for the investment management services are included in net appreciation in fair value of investments. Notes receivable from participants held by the Plan also reflects party-in-interest transactions.

Certain Plan investments were invested in funds managed by FMTC. FMTC is the trustee as defined by the Plan and, therefore, these transactions qualify as party-in-interest transactions.

The plan has an agreement with Fidelity Workplace Services LLC ("FWS"), whereby FWS provides the Plan a reimbursement of certain expenses charged to the Plan by the Plan's investments, as defined in the agreement. The amounts received from the trustee may be utilized to pay Plan administrative expenses and may also be allocated to participants that have an account balance as of a certain date at the discretion of the Company. For the year ended December 31, 2025, the arrangement resulted in other income of $331,903.

(7) Subsequent Events

Management has evaluated events and transactions from December 31, 2025 through June 25, 2026, the date these financial statements were issued, and concluded that no material events had occurred that would require disclosure.

On January 31, 2026, Columbia Financial, Inc., a Delaware corporation (the “Company”), Columbia Bank MHC (the “MHC”) and Columbia Financial, Inc., a newly-formed Maryland corporation (the “Holding Company”), entered into an Agreement and Plan of Merger (the “Merger Agreement”) with Northfield Bancorp, Inc., a Delaware corporation (“Northfield”). The Merger Agreement was unanimously approved by the Board of Directors of each of the parties.

Concurrently with the adoption of the Merger Agreement, the Boards of Directors of the Company, the Holding Company, the MHC and the Bank adopted a Plan of Conversion and Reorganization (the “Plan”), pursuant to which the Bank will convert from the mutual holding company form of organization to the fully-public stock holding company form of organization (the “Conversion”).

COLUMBIA BANK

SAVINGS AND INVESTMENT PLAN

Notes to Financial Statements

December 31, 2025 and 2024

(7) Subsequent Events (continued)

Holding Company will cause Northfield’s wholly-owned banking subsidiary, Northfield Bank, to merge with and into the Bank, with the Bank continuing as the surviving institution.

Pursuant to the terms of the Merger Agreement and subject to the conditions set forth therein, immediately following the completion of the Conversion, Northfield will merge with and into the Holding Company (the “Merger”), with the Holding Company continuing as the surviving corporation. Immediately following the completion of the Merger, the Holding Company will cause Northfield’s wholly-owned banking subsidiary, Northfield Bank, to merge with and into the Bank, with the Bank continuing as the surviving institution.

The completion of the Merger is subject to the satisfaction of various closing conditions, including the completion of the Conversion and the approval of the Merger by the stockholders of both Columbia and Northfield. The completion of the Conversion is also subject to the satisfaction of various closing conditions, including the approval of the conversion by the members (the depositors and certain borrowers of the Bank) of the MHC and the approval of the Conversion by the stockholders of Columbia.

Supplementary Schedule

COLUMBIA BANK

SAVINGS AND INVESTMENT PLAN

Schedule H, Line 4i - Schedule of Assets (Held at End of Year)

EIN: 22-0900560

Plan No: 002

December 31, 2025

(a)

(b)

(c)

(d)

(e)

Identity of Issuer

Description of Investment

Cost

Current Value

Columbia Financial, Inc.

Employer Common Stock

8,825,085

Mutual Funds:

Vanguard

Vanguard Federal Money Market

8,531,314

Fidelity

Fidelity 500 Index

12,244,426

Fidelity

Fidelity Capital & Income

1,553,824

Fidelity

Extended Market Index

2,902,086

Fidelity

Global Ex U.S. Index

1,055,331

Fidelity

Fidelity U.S. Bond Index

2,033,391

Fidelity

Fidelity GNMA

441,453

Fidelity

Fidelity Freedom Income

426,240

Fidelity

Fidelity Freedom 2010

260,495

Fidelity

Fidelity Freedom 2015

170,378

Fidelity

Fidelity Freedom 2020

5,689,712

Fidelity

Fidelity Freedom 2025

7,006,738

Fidelity

Fidelity Freedom 2030

8,477,731

Fidelity

Fidelity Freedom 2035

5,842,786

Fidelity

Fidelity Freedom 2040

5,928,900

Fidelity

Fidelity Freedom 2045

5,056,453

Fidelity

Fidelity Freedom 2050

5,427,484

Fidelity

Fidelity Freedom 2055

4,052,631

Fidelity

Fidelity Freedom 2060

3,832,402

Fidelity

Fidelity Freedom 2065

799,517

Fidelity

Fidelity Freedom 2070

36,243

Fidelity

Fidelity Balanced

6,318,927

Fidelity

Fidelity Equity-Income

4,514,257

Fidelity

Fidelity Large Growth

2,293,097

Fidelity

Fidelity Blue Chip Growth

15,129,562

Fidelity

Fidelity Capital Appreciation

5,461,880

Fidelity

Fidelity Growth Company

15,258,468

Fidelity

Fidelity OTC Portfolio

9,586,958

Vanguard

Vanguard LT Treasury

667,566

Fidelity

Fidelity Diversified International K6

2,744,932

Pimco

Pimco Real Return Instl

631,482

Royce

Royce Small Cap Instl

1,224,431

AB Small Cap Growth

1,135,022

John Hancock

John Hancock Mid Cap

651,727

Parnassus

Parnassus Core Equity

49,587

Calvert

Calvert International

145,028

Calvert

Calvert Bond Fund A

658,374

Total mutual funds

148,240,833

Participant loans

Interest rates range from 4.00% to 10.50% with maturities through February 27, 2031

398,878

Total assets held

157,464,796

* Party-in-interest

** Historical cost has not been presented since all investments are participant-directed.

See accompanying report of independent registered public accounting firm.

SIGNATURES

The Plan. Pursuant to the requirements of the Securities and Exchange Act of 1934, the trustees (or other persons who administer the employee benefit plan) have duly caused this annual Report to be signed on the Plan's behalf by the undersigned hereunto duly authorized.

Date:

June 25, 2026

Columbia Bank

Savings and Investment Plan

/s/ John Shalhoub

Plan Administrator

EXHIBIT INDEX


Exhibit No.						Description of Exhibit

23.1						Consent of Independent Registered Public Accounting Firm - CohnReznick LLP

SEC Form 11-K filed by Columbia Financial Inc.