Columbia Financial Inc. reported net income of USD 15.7 million, or USD 0.15 per basic and diluted share, for the fourth quarter (Q4) ended December 31, 2025. This compares to a net loss of USD 21.2 million, or USD 0.21 per basic and diluted share, for the same period in 2024. The results for Q4 2025 reflected higher net interest income, attributed to both an increase in interest income and a decrease in interest expense. The company also recorded a decrease in provision for credit losses and higher non-interest income, partially offset by higher income tax expense. Key financial metrics for the fourth quarter included an interest rate spread of 1.76 percentage points, a net interest margin of 2.36 percentage points, and a ratio of interest-earning assets to interest-bearing liabilities of 124.84 percent. During the previous year’s fourth quarter, Columbia Financial Inc. restructured its balance sheet by selling debt securities available for sale, a move that impacted GAAP reporting of results. Columbia Financial Inc. operates 71 full-service banking offices, providing traditional financial services to consumers and businesses in its market area.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Columbia Financial Inc. published the original content used to generate this news brief via GlobeNewswire (Ref. ID: GNW9646809-en) on February 02, 2026, and is solely responsible for the information contained therein.