For the quarter ending 2026-03-31, CLBK had -$28,038K decrease in cash & cash equivalents over the period. -$35,282K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income | -22,974 | 14,868 | 21,205 |
| Amortization of deferred loan costs, fees and purchased premiums and discounts | 3,361 | -1,815 | -2,941 |
| Net amortization of premiums and discounts on securities | -1,948 | 920 | 1,915 |
| Net amortization of mortgage servicing rights | -104 | 60 | 98 |
| Amortization of intangible assets | -1,025 | 561 | 1,031 |
| Depreciation and amortization of office properties and equipment | -4,131 | 2,181 | 4,218 |
| Amortization of operating lease right-of-use assets | -1,962 | 1,022 | 1,995 |
| Provision for credit losses | -6,789 | 2,344 | 5,401 |
| (gain) loss on securities transactions | - | 0 | 336 |
| Gain on sale of other real estate owned | - | 0 | 281 |
| Change in fair value of equity securities | -2,458 | 714 | 580 |
| Gain on securitizations | - | 59 | 70 |
| Gain on sale of loans, net | -752 | 342 | 430 |
| Gain on disposal of office properties and equipment, net | 18 | -36 | 18 |
| Deferred tax (benefit) expense | - | 772 | -5,818 |
| (increase) in accrued interest receivable | -1,551 | 1,088 | 778 |
| (increase) decrease in other assets | 11,851 | -4,600 | -810 |
| (decrease) in accrued expenses and other liabilities | -881 | 5,931 | -14,599 |
| Income on bank-owned life insurance | -3,809 | 2,133 | 3,849 |
| Employee stock ownership plan expense | -1,567 | 853 | 1,674 |
| Stock based compensation | -2,556 | 1,130 | 2,460 |
| (increase) in deferred compensation obligations under rabbi trust | 34 | 39 | -99 |
| Net cash provided by (used in) operating activities | -40,875 | 30,956 | 13,060 |
| Proceeds from sales of debt securities available for sale | - | 0 | 15,656 |
| Proceeds from paydowns/maturities/calls of debt securities available for sale | -99,596 | 53,855 | 102,847 |
| Proceeds from paydowns/maturities/calls of debt securities held to maturity | -9,413 | 3,239 | 24,869 |
| Purchases of debt securities available for sale | -41,361 | 60,811 | 118,767 |
| Proceeds from sales of other real estate owned | - | 0 | 1,615 |
| Purchases of debt securities held to maturity | -33,369 | 0 | 33,369 |
| Proceeds from sales of loans held-for-sale | -27,040 | 8,785 | 20,525 |
| Proceeds from bank-owned life insurance death benefits | - | 0 | 0 |
| Purchases of loans receivable | -150,882 | 0 | 150,882 |
| Net decrease (increase) in loans receivable | -276,923 | 114,677 | 138,878 |
| Proceeds from redemptions of federal home loan bank stock | -22,190 | 7,079 | 19,574 |
| Purchases of federal home loan bank and federal reserve bank stock | -11,805 | 6,679 | 27,850 |
| Proceeds from sales of office properties and equipment | 0 | -18 | 18 |
| Purchase of insurance agency book of business | - | 1,400 | - |
| Additions to office properties and equipment | -5,593 | 2,837 | 4,622 |
| Purchase of treasury stock | - | 2,837 | 0 |
| Net cash (used in) investing activities | 345,823 | -113,464 | -289,264 |
| Net (decrease) increase in deposits | -216,237 | 104,838 | 39,334 |
| Proceeds from long-term borrowings | -115,333 | 25,333 | 130,000 |
| Payments on long-term borrowings | -64,418 | 19,418 | 60,000 |
| Net increase in short-term borrowings | -71,978 | -15,010 | 121,978 |
| Increase in advance payments by borrowers for taxes and insurance | 3,265 | -5,220 | 4,072 |
| Exercise of stock options | -34 | 0 | 0 |
| Repurchase of shares for taxes | -76 | 0 | 179 |
| Net cash (used in) provided by financing activities | -332,986 | 87,686 | 235,205 |
| Net (decrease) in cash and cash equivalents | -28,038 | 5,178 | -40,999 |
| Cash and cash equivalents at beginning of year | 253,402 | 289,223 | - |
| Cash and cash equivalents at end of period | 276,947 | 253,402 | - |
Columbia Financial, Inc. (CLBK)
Columbia Financial, Inc. (CLBK)