| Income Statement | 2025-09-30 | 2025-06-30 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|
| Loans receivable | 103,792 | 99,646 | 97,863 | 95,252 |
| Debt securities available for sale and equity securities | 9,858 | 10,301 | 9,592 | 9,241 |
| Debt securities held to maturity | 2,886 | 2,922 | 2,616 | 2,502 |
| Total interest expense | - | - | - | 69,206 |
| Federal funds and interest-earning deposits | 2,623 | 2,443 | 3,850 | 4,459 |
| Federal home loan bank stock dividends | 1,258 | 1,179 | 1,966 | 1,832 |
| Total interest income | 120,417 | 116,491 | 115,887 | 113,286 |
| Deposits | 49,569 | 49,344 | 52,196 | 49,826 |
| Borrowings | 13,462 | 13,444 | 18,416 | 19,380 |
| Total interest expense | 63,031 | 62,788 | 70,612 | - |
| Net interest income | 57,386 | 53,703 | 45,275 | 44,080 |
| Provision for credit losses | 2,344 | 2,468 | 4,103 | 2,194 |
| Net interest income after provision for credit losses | 55,042 | 51,235 | 41,172 | 41,886 |
| Revenue from contract with customer-Deposit Account | 2,037 | 2,015 | - | - |
| Bank-owned life insurance | 2,133 | 1,990 | 1,669 | 1,804 |
| Revenue from contract with customer-Title Insurance | 684 | 861 | - | - |
| Loan fees and service charges | 1,570 | 1,744 | 951 | 1,378 |
| Gain (loss) on securities transactions | 0 | 336 | - | - |
| Change in fair value of equity securities | 714 | 272 | -27 | 101 |
| Gain on sale of loans | 401 | -15 | 459 | 181 |
| Revenue from contract with customer | - | - | 2,383 | 2,334 |
| Gain on sale of other real estate owned | 0 | 281 | - | - |
| Other non-interest income | 2,328 | 2,689 | 3,543 | 3,382 |
| Total non-interest income | 9,867 | 10,173 | 8,978 | 9,180 |
| Compensation and employee benefits | 29,248 | 28,933 | 27,738 | 27,659 |
| Occupancy | 6,055 | 5,968 | 5,594 | 6,054 |
| Federal deposit insurance premiums | 1,783 | 1,739 | 1,518 | 1,879 |
| Advertising | 512 | 563 | 766 | 661 |
| Professional fees | 2,590 | 3,519 | 2,454 | 4,509 |
| Data processing and software expenses | 4,457 | 4,103 | 4,125 | 3,914 |
| Merger-related expenses | 0 | 0 | 23 | 692 |
| Other non-interest expense, net | 441 | 81 | 616 | 879 |
| Total non-interest expense | 45,086 | 44,906 | 42,834 | 46,247 |
| Income before income tax expense | 19,823 | 16,502 | 7,316 | 4,819 |
| Income tax expense | 4,955 | 4,197 | 1,131 | 279 |
| Net income | 14,868 | 12,305 | 6,185 | 4,540 |
| Earnings per share-basic - basic (in dollars per share) | 0.15 | 0.12 | 0.06 | 0.04 |
| Earnings per share-basic - diluted (in dollars per share) | 0.15 | 0.12 | 0.06 | 0.04 |
| Weighted average shares outstanding - basic (in shares) | 102,031,221 | 101,985,784 | 101,623,160 | 101,651,511 |
| Weighted average shares outstanding - diluted (in shares) | 102,031,221 | 101,985,784 | 101,832,048 | 101,651,511 |
Columbia Financial, Inc. (CLBK)
Columbia Financial, Inc. (CLBK)