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Form 3 Columbia Financial, Inc. For: Jul 20 Filed by: Rinaldi Mayra Liseth

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July 22, 2026 5:07 PM EDT
FORM 3 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
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1. Name and Address of Reporting Person *
Rinaldi Mayra Liseth
(Last) (First) (Middle)
19-01 ROUTE 208 NORTH
(Street)
FAIR LAWN NJ 07410
(City) (State) (Zip)
2. Date of Event Requiring Statement (Month/Day/Year)
07/20/2026 		3. Issuer Name and Ticker or Trading Symbol
Columbia Financial, Inc./MD/ [ CLBK ]
4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director 10% Owner
X Officer (give title below) Other (specify below)
EVP, Corp Governance & Culture
 5. If Amendment, Date of Original Filed (Month/Day/Year)
6. Individual or Joint/Group Filing (Check Applicable Line)
X Form filed by One Reporting Person
Form filed by More than One Reporting Person
Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4) 2. Amount of Securities Beneficially Owned (Instr. 4) 3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock 44,371
D
 
Common Stock 15,947
I
By 401(k)
Common Stock 17,047
I
By ESOP
Common Stock 149
I
By SERP
Common Stock 440
I
By UTMA Custodian for Daughter
Common Stock 88
I
By UTMA Custodian for God Daughter
Common Stock 3,572
I
By Spouse - IRA
Common Stock 13,075
I
By Stock Award III
Common Stock 14,242
I
By Stock Award IV
Table II - Derivative Securities Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4) 2. Date Exercisable and Expiration Date (Month/Day/Year) 3. Title and Amount of Securities Underlying Derivative Security (Instr. 4) 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 6. Nature of Indirect Beneficial Ownership (Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Options (right to buy) 07/23/2020 07/23/2029 Common Stock 108,706 7.1 D  
Stock Options (right to buy) 05/01/2024 05/01/2033 Common Stock 16,541 7.25 D  
Stock Options (right to buy) 03/06/2025 03/06/2034 Common Stock 10,546 7.5 D  
Stock Options (right to buy) 03/03/2026 03/03/2035 Common Stock 24,673 7.38 D  
Stock Options (right to buy) 03/02/2027 03/02/2036 Common Stock 26,666 8.31 D  
Phantom Stock Unit   (1)   (1) Common Stock 10,463 (2) I Deferred Stock Unit Plan
Explanation of Responses:
1. On the settlement date, phantom stock units will be payable in cash. The cash value will be calculated, in accordance with the Columbia Financial, Inc. 2026 Phantom Stock Plan, based on the closing stock price of the Company's Common Stock on the determination date.
2. One phantom stock unit is the economic equivalent of one share of CLBK Common Stock. Phantom stock units were granted under the Columbia Financial, Inc. 2026 Phantom Stock Plan and will be settled in cash upon distribution.
Remarks:
Exhibit List: Exhibit 24 Power of Attorney
/s/ Thomas F. Splaine, Jr., Power of Attorney 07/22/2026
** Signature of Reporting Person Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

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