UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

(Mark one)


☒			QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2026


☐			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Commission File Number 333-294103

Columbia Financial, Inc.

(Exact name of registrant as specified in its charter)


Maryland									42-1991301
(State or other jurisdiction of incorporation or organization)									(I.R.S. Employer Identification Number)
19-01 Route 208 North
Fair Lawn, New Jersey									07410
(Address of principal executive offices)									(Zip Code)

(800) 522-4167

(Registrant’s telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading symbol(s)	Name of each exchange on which registered
None

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days.

☐ Yes ☒ No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

☒ Yes ☐ No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer”, “smaller reporting company”, and “emerging growth company” in Rule 12b-2 of the Exchange Act:

Large accelerated filer

☐

Accelerated filer

☒

Smaller reporting company

☐

Non-accelerated filer

☐

Emerging growth company

☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

☐ Yes ☒ No

As of June 9, 2026, there were 100 shares of the Registrant's common stock outstanding, all of which were held by Columbia Financial, Inc., a Delaware corporation.

EXPLANATORY NOTE

Columbia Financial, Inc., a Maryland corporation (the “Company”), was formed to serve as the stock holding company for Columbia Bank as part of the second-step conversion of Columbia Bank MHC. As of March 31, 2026, the conversion had not been completed, and, as of that date, the Company had no assets or liabilities and had not conducted any business other than that of an organizational nature. Accordingly, for informational purposes, the Quarterly Report for the quarter ended March 31, 2026, as amended, of Columbia Financial, Inc., a Delaware corporation, the current stock holding company for Columbia Bank, is attached as Exhibit 99.1 to this Quarterly Report.

PART I — FINANCIAL INFORMATION

Item 1. Financial Statements

Columbia Financial, Inc./MD/ 10-Q