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Pay vs Performance Disclosure
 12 Months Ended
Dec. 31, 2025
USD ($)
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Dec. 31, 2022
USD ($)
Dec. 31, 2021
USD ($)
Pay vs Performance Disclosure          
Pay vs Performance Disclosure, Table
Pay Versus Performance
The following table sets forth information on the compensation paid to our chief executive officer and the other named executive officers along with the cumulative total stockholder return of Columbia Financial and a peer group index, Columbia Financial’s net income and Columbia Financial’s Bank level core return on average assets (“ROAA”), which is the most important financial measure (that is not otherwise disclosed in the table) used by Columbia Financial to link compensation actually paid to Columbia Financial’s NEOs in 2025 to Columbia Financial’s performance.
 
    
Summary

Compensation
Table Total
for Chief
Executive
Officer
($)
     
Compensation
Actually Paid
to Chief
Executive
Officer
($)
(1)
     
Average
Summary
Compensation
Tables Total
for
NEOs other
than CEO
($)
(2)
     
Average
Compensation
Actually Paid
to NEOs other
than CEO
($)
(2)
     
Value of Initial Fixed $100
Investment Based
on Cumulative
Stockholder Return
               
Year
   
Total
Stockholder
Return
($)
     
Peer Group
Total
Stockholder
Return
($)
(3)
     
Net
Income
(in thousands)
($)
(4)
    
Bank
Level
Core
ROAA
(5)
  
2025
      4,370,846        1,462,507        1,136,636        640,287        100        145        51,766       0.48 % 
2024
      2,759,021        621,278        963,859        409,601        102        139        (11,653 )      0.19 % 
2023
      3,695,655        549,639        1,250,538        374,582        124        127        36,086       0.46 % 
2022
      1,662,649        2,257,930        851,145        947,272        139        135        86,173       0.96 % 
2021
      2,131,936        5,339,883        1,034,874        1,913,716        134        150        92,049       1.04 % 
 
(1)
Thomas J. Kemly served as President and Chief Executive Officer f
or
each of the years presented in the table. Compensation actually paid to Mr. Kemly for each of the years p
rese
nted in the table, as calculated in accordance
with
SEC regulations, was as follows:
 
    
2025
($)
    
2024
($)
    
2023
($)
    
2022
($)
    
2021
($)
  
Total Average Compensation in Summary Compensation Table
      4,370,846       2,759,021       3,695,655       1,662,649       2,131,936  
Plus/Minus: aggregate change in pension value
      (1,548,330 )      (564,078 )      (1,672,739 )      —        (366,796 ) 
Increase/Decrease for “Service Cost” for Pension Plans
      (17,700 )      (20,277 )      (43,689 )      (16,229 )      31,875  
Minus: stock awards reported in Summary Compensation Table
      (591,746 )      (683,840 )      (622,776 )      —        —   
Minus: option awards reported in Summary Compensation Table
      (591,234 )      (227,840 )      (207,659 )      —        —   
Plus/Minus: fair value at covered fiscal
year-end
of unvested stock awards and stock options granted during covered fiscal year
      (103,113 )      (62,873 )      300,557       —        —   
Plus/Minus: change in fair value at covered fiscal
year-end
of unvested stock awards and stock options granted in any prior fiscal year that remain outstanding
      (35,507 )      (253,362 )      (370,005 )      240,345       3,225,045  
Plus/Minus: change in fair value at vesting date of stock awards granted in any prior fiscal year for which all applicable vesting conditions have been satisfied
      (20,709 )      (325,473 )      (529,705 )      371,165       317,823  
  
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
Compensation Actually Paid
      1,462,507       621,278       549,639       2,257,930       5,339,883  
  
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
 
(2)
The named executive officers for each of the years presented were as follows: for 2025, Dennis Gibney, John Klimowich, Oliver E. Lewis, Jr. and Allyson Schlesinger; for 2024, 2023 and 2020, Dennis E. Gibney, E. Thomas Allen, Jr., John Klimowich, and Allyson Schlesinger, for 2022, Dennis E. Gibney, E. Thomas Allen, Jr., John Klimowich, Allyson Schlesinger and W. Justin Jennings; and for 2021, Dennis E. Gibney, E. Thomas Allen, Jr., John Klimowich, Allyson Schlesinger and Oliver E. Lewis, Jr. The average compensation actually paid to the executive officers other than the chief executive officer for each of the years presented in the table, as calculated in accordance with SEC regulations, was as follows:
 
    
2025
($)
    
2024
($)
    
2023
($)
    
2022
($)
    
2021
($)
  
Total Average Compensation in Summary Compensation Table
      1,136,636       963,859       1,250,538       851,145       1,034,874  
Minus: aggregate change in pension value
      (189,400 )      (103,726 )      (369,708 )      —        (108,626 ) 
Increase/Decrease for “Service Cost” for Pension Plans
      (5,768 )      4,230       (23,429 )      (9,147 )      26,558  
Minus: stock awards reported in Summary Compensation Table
      (131,045 )      (180,174 )      (218,773 )      (81,002 )      (83,999 ) 
Minus: option awards reported in Summary Compensation Table
      (130,934 )      (60,030 )      (72,950 )      (54,000 )      (56,000 ) 
Plus: fair value at covered fiscal
year-end
of unvested stock awards and stock options granted during covered fiscal year
      (22,835 )      (16,566 )      105,584       78,960       147,310  
Plus/Minus: change in fair value at covered fiscal
year-end
of unvested stock awards and stock options granted in any prior fiscal year that remain outstanding
      (9,960 )      (89,005 )      (122,010 )      63,403       868,051  
Plus/Minus: change in fair value at vesting date of stock awards granted in any prior fiscal year for which all applicable vesting conditions have been satisfied
      (6,408 )      (108,989 )      (174,671 )      97,913       85,548  
  
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
Compensation Actually Paid
      640,287       409,601       374,582       947,272       1,913,716  
  
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
 
(3)
The peer group members did not change from 2022 to 2023, but did change for 2024 and 20
25. S
ee “
Peer Group and Benchmarking.
”
(4)
Net Income as reported in Columbia Financial’s Annual Report on Form
10-K
for the fiscal year ended December 31, 2025.
(5)
See “
—
 
Non-GAAP
Financial Measures
” for reconciliation to Bank Level Core ROAA.
       
Company Selected Measure Name BankLevelCoreROAA        
Named Executive Officers, Footnote
(1)
Thomas J. Kemly served as President and Chief Executive Officer f
or
each of the years presented in the table. Compensation actually paid to Mr. Kemly for each of the years p
rese
nted in the table, as calculated in accordance
with
SEC regulations, was as follows:
The named executive officers for each of the years presented were as follows: for 2025, Dennis Gibney, John Klimowich, Oliver E. Lewis, Jr. and Allyson Schlesinger; for 2024, 2023 and 2020, Dennis E. Gibney, E. Thomas Allen, Jr., John Klimowich, and Allyson Schlesinger, for 2022, Dennis E. Gibney, E. Thomas Allen, Jr., John Klimowich, Allyson Schlesinger and W. Justin Jennings; and for 2021, Dennis E. Gibney, E. Thomas Allen, Jr., John Klimowich, Allyson Schlesinger and Oliver E. Lewis, Jr. The average compensation actually paid to the executive officers other than the chief executive officer for each of the years presented in the table, as calculated in accordance with SEC regulations, was as follows: 		       
Peer Group Issuers, Footnote
(3)
The peer group members did not change from 2022 to 2023, but did change for 2024 and 20
25. S
ee “
Peer Group and Benchmarking.
”
       
PEO Total Compensation Amount $ 4,370,846 $ 2,759,021 $ 3,695,655 $ 1,662,649 $ 2,131,936
PEO Actually Paid Compensation Amount $ 1,462,507 621,278 549,639 2,257,930 5,339,883
Adjustment To PEO Compensation, Footnote
    
2025
($)
    
2024
($)
    
2023
($)
    
2022
($)
    
2021
($)
  
Total Average Compensation in Summary Compensation Table
      4,370,846       2,759,021       3,695,655       1,662,649       2,131,936  
Plus/Minus: aggregate change in pension value
      (1,548,330 )      (564,078 )      (1,672,739 )      —        (366,796 ) 
Increase/Decrease for “Service Cost” for Pension Plans
      (17,700 )      (20,277 )      (43,689 )      (16,229 )      31,875  
Minus: stock awards reported in Summary Compensation Table
      (591,746 )      (683,840 )      (622,776 )      —        —   
Minus: option awards reported in Summary Compensation Table
      (591,234 )      (227,840 )      (207,659 )      —        —   
Plus/Minus: fair value at covered fiscal
year-end
of unvested stock awards and stock options granted during covered fiscal year
      (103,113 )      (62,873 )      300,557       —        —   
Plus/Minus: change in fair value at covered fiscal
year-end
of unvested stock awards and stock options granted in any prior fiscal year that remain outstanding
      (35,507 )      (253,362 )      (370,005 )      240,345       3,225,045  
Plus/Minus: change in fair value at vesting date of stock awards granted in any prior fiscal year for which all applicable vesting conditions have been satisfied
      (20,709 )      (325,473 )      (529,705 )      371,165       317,823  
  
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
Compensation Actually Paid
      1,462,507       621,278       549,639       2,257,930       5,339,883  
  
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
        
Non-PEO NEO Average Total Compensation Amount $ 1,136,636 963,859 1,250,538 851,145 1,034,874
Non-PEO NEO Average Compensation Actually Paid Amount $ 640,287 409,601 374,582 947,272 1,913,716
Adjustment to Non-PEO NEO Compensation Footnote
    
2025
($)
    
2024
($)
    
2023
($)
    
2022
($)
    
2021
($)
  
Total Average Compensation in Summary Compensation Table
      1,136,636       963,859       1,250,538       851,145       1,034,874  
Minus: aggregate change in pension value
      (189,400 )      (103,726 )      (369,708 )      —        (108,626 ) 
Increase/Decrease for “Service Cost” for Pension Plans
      (5,768 )      4,230       (23,429 )      (9,147 )      26,558  
Minus: stock awards reported in Summary Compensation Table
      (131,045 )      (180,174 )      (218,773 )      (81,002 )      (83,999 ) 
Minus: option awards reported in Summary Compensation Table
      (130,934 )      (60,030 )      (72,950 )      (54,000 )      (56,000 ) 
Plus: fair value at covered fiscal
year-end
of unvested stock awards and stock options granted during covered fiscal year
      (22,835 )      (16,566 )      105,584       78,960       147,310  
Plus/Minus: change in fair value at covered fiscal
year-end
of unvested stock awards and stock options granted in any prior fiscal year that remain outstanding
      (9,960 )      (89,005 )      (122,010 )      63,403       868,051  
Plus/Minus: change in fair value at vesting date of stock awards granted in any prior fiscal year for which all applicable vesting conditions have been satisfied
      (6,408 )      (108,989 )      (174,671 )      97,913       85,548  
  
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
Compensation Actually Paid
      640,287       409,601       374,582       947,272       1,913,716  
  
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
        
Compensation Actually Paid vs. Total Shareholder Return LOGO        
Compensation Actually Paid vs. Net Income LOGO        
Compensation Actually Paid vs. Company Selected Measure LOGO        
Tabular List, Table
Financial Performance Measures
The following lists the most important financial performance measures used by us to link compensation actually paid to our named executive officers for 2025 to Columbia Financial performance.
Bank Level
Non-GAAP
Core ROAA
Bank Level Net Interest Margin
Bank Level
Non-GAAP
Efficiency Ratio
NPAs to Assets
For explanations of these financial performance measures and reconciliation to the applicable amount measured in accordance with GAAP, see “
—
 
Non-GAAP
Financial Measures.
” For explanations of how these financial performance measures were used to determine 2025 pay for our chief executive officer and other named executive officers, see “
Compensation Discussion and Analysis
 
—
 
Elements of 2025 Executive Compensation Program.
”
       
Total Shareholder Return Amount $ 100 102 124 139 134
Peer Group Total Shareholder Return Amount 145 139 127 135 150
Net Income (Loss) $ 51,766,000 $ (11,653,000) $ 36,086,000 $ 86,173,000 $ 92,049,000
Company Selected Measure Amount 0.48 0.19 0.46 0.96 1.04
PEO Name Thomas J. Kemly        
Measure:: 1          
Pay vs Performance Disclosure          
Name Bank Level Non-GAAP Core ROAA        
Measure:: 2          
Pay vs Performance Disclosure          
Name Bank Level Net Interest Margin        
Measure:: 3          
Pay vs Performance Disclosure          
Name Bank Level Non-GAAP Efficiency Ratio        
Measure:: 4          
Pay vs Performance Disclosure          
Name NPAs to Assets        
PEO | Aggregate Change in Present Value of Accumulated Benefit for All Pension Plans Reported in Summary Compensation Table          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount $ (1,548,330) $ (564,078) $ (1,672,739) $ 0 $ (366,796)
PEO | Pension Adjustments Service Cost          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (17,700) (20,277) (43,689) (16,229) 31,875
PEO | Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (591,746) (683,840) (622,776) 0 0
PEO | Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (103,113) (62,873) 300,557 0 0
PEO | Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (35,507) (253,362) (370,005) 240,345 3,225,045
PEO | Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (20,709) (325,473) (529,705) 371,165 317,823
PEO | Option awards reported in Summary Compensation Table          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (591,234) (227,840) (207,659) 0 0
Non-PEO NEO | Aggregate Change in Present Value of Accumulated Benefit for All Pension Plans Reported in Summary Compensation Table          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (189,400) (103,726) (369,708) 0 (108,626)
Non-PEO NEO | Pension Adjustments Service Cost          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (5,768) 4,230 (23,429) (9,147) 26,558
Non-PEO NEO | Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (131,045) (180,174) (218,773) (81,002) (83,999)
Non-PEO NEO | Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (22,835) (16,566) 105,584 78,960 147,310
Non-PEO NEO | Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (9,960) (89,005) (122,010) 63,403 868,051
Non-PEO NEO | Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (6,408) (108,989) (174,671) 97,913 85,548
Non-PEO NEO | Option awards reported in Summary Compensation Table          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount $ (130,934) $ (60,030) $ (72,950) $ (54,000) $ (56,000)