- Columbia Financial, Inc. reported **net income of $14.9 million**, or **$0.15 per basic and diluted share**, for the quarter ended September 30, 2025, a significant increase from $6.2 million, or $0.06 per basic and diluted share, for the same period in 2024.  **[1723596_0001723596-25-000362_exhibit9913q20259302025.htm:0]** 
- For the nine months ended September 30, 2025, net income was **$36.1 million**, or **$0.35 per basic and diluted share**, compared to $9.6 million, or $0.09 per basic and diluted share, for the nine months ended September 30, 2024.  **[1723596_0001723596-25-000362_exhibit9913q20259302025.htm:0]** 
- The company's net interest margin for the quarter ended September 30, 2025, expanded to **2.29%**, an increase of **45 basis points** from the prior year quarter.  **[1723596_0001723596-25-000362_exhibit9913q20259302025.htm:1]** **[1723596_0001723596-25-000362_exhibit9913q20259302025.htm:2]** 
- Loan growth for Q3 2025 was **$97.1 million**, representing an annualized growth rate of approximately 4.8%.  **[1723596_0001723596-25-000362_exhibit9913q20259302025.htm:1]** 
- In September 2025, the Board authorized a share repurchase program of **1,800,000 shares**, with **183,864 shares repurchased** during that month.  **[1723596_0001723596-25-000362_exhibit9913q20259302025.htm:1]**  Non-performing assets to total assets decreased to **0.30%** at September 30, 2025, from 0.37% at June 30, 2025.  **[1723596_0001723596-25-000362_exhibit9913q20259302025.htm:1]**

Columbia Financial, Inc. Announces Q3 2025 Financial Results

- Columbia Financial, Inc. reported net income of **$14.9 million**, or **$0.15 per basic and diluted share**, for the quarter ended September 30, 2025, compared to $6.2 million, or $0.06 per share, for the same quarter in 2024.  **[1723596_1147015f8cde4251939653855e43ed88_0]**  For the nine months ended September 30, 2025, net income was **$36.1 million**, or **$0.35 per basic and diluted share**, up from $9.6 million, or $0.09 per share, in the prior year.  **[1723596_1147015f8cde4251939653855e43ed88_0]** 
- The company's net interest margin for the quarter ended September 30, 2025, was **2.29%**, an increase of **10 basis points** from the prior quarter and **45 basis points** from the prior year quarter.  **[1723596_1147015f8cde4251939653855e43ed88_0]** 
- Loan growth for the quarter ended September 30, 2025, was **$97.1 million**, resulting in an annualized growth rate of approximately **4.8%**.  **[1723596_1147015f8cde4251939653855e43ed88_0]** 
- Non-performing assets as a percentage of total assets decreased to **0.30%** at September 30, 2025, from 0.37% at June 30, 2025.  **[1723596_1147015f8cde4251939653855e43ed88_0]** 
- In September 2025, the Board of Directors authorized a share repurchase program of **1,800,000 shares**, and management commenced repurchases totaling **183,864 shares** at a cost of approximately **$2.8 million**.  **[1723596_1147015f8cde4251939653855e43ed88_0]** **[1723596_1147015f8cde4251939653855e43ed88_7]**

Columbia Financial (CLBK)