Columbia Financial, Inc. 8-K

What Happened
Columbia Financial, Inc. (a newly formed Maryland corporation and the proposed successor holding company of Columbia Bank) announced it is commencing an offering of common stock on or about May 21, 2026 in connection with the planned second-step conversion of Columbia Bank MHC from a mutual holding company to a stock holding company. The company also said Columbia Financial, Inc. and Columbia Bank have received conditional approvals from the Board of Governors of the Federal Reserve System and the Office of the Comptroller of the Currency to acquire Northfield Bancorp, Inc. and Northfield Bank immediately upon completion of the second-step conversion. A press release describing these developments was filed as Exhibit 99.1 to the Form 8-K.

Key Details

• Offering start date: on or about May 21, 2026 (common stock offering tied to the second-step conversion).
• Corporate structure: Columbia Financial, Inc. is a newly formed Maryland corporation and the proposed successor holding company of Columbia Bank.
• Regulatory approvals: Conditional approval obtained from the Federal Reserve Board and the OCC for the acquisition of Northfield Bancorp, Inc. and Northfield Bank, contingent on completion of the second-step conversion.
• Filing: Press release dated May 11, 2026 was included as Exhibit 99.1 to the 8-K.

Why It Matters
This 8-K signals two near-term, material corporate events for investors: (1) the start of a public common stock offering tied to Columbia Bank’s transition from a mutual to a stock holding company, and (2) regulatory clearance to acquire Northfield Bancorp/Bank once that conversion closes. Investors should note the offering may change the company’s capital structure and shareholder base, and the acquisition is conditioned on the conversion and final regulatory closing. Monitor subsequent filings (prospectus, closing notices, and any updated regulatory conditions) for details on timing, share issuance, and financial impact.