Columbia Financial, Inc./MD/ 8-K

What Happened

• Columbia Financial, Inc. (a Maryland corporation) filed an 8-K (Item 8.01) reporting a press release dated July 16, 2026 announcing the results of a firm‑commitment underwritten offering tied to the second‑step conversion of its Delaware holding company and the final subscription and merger exchange ratios. The press release also disclosed the final merger exchange ratio in connection with Columbia Financial’s acquisition of Northfield Bancorp, Inc. The transactions are scheduled to close on July 20, 2026. The press release is included as Exhibit 99.1 to the Form 8‑K.

Key Details

• Company announced results of a firm‑commitment underwritten offering in connection with the holding company’s second‑step conversion.
• Final subscription offering exchange ratio for the holding company’s minority stockholders was set and announced.
• Final merger exchange ratio for the acquisition of Northfield Bancorp, Inc. was announced.
• Scheduled closing date for the conversion, offering and merger transactions: July 20, 2026.

Why It Matters

• The filing provides the final terms and timing for the company’s corporate reorganization (second‑step conversion), the related capital raise (underwritten offering), and the acquisition of Northfield Bancorp—items that directly determine what former holding‑company shareholders and Northfield shareholders will receive.
• These finalized exchange ratios and the closing date are material to investors because they fix the consideration and consummation timing of the transactions; shareholders should review the company’s July 16, 2026 press release (Exhibit 99.1) for the specific exchange ratios and any additional economic details.