X0609 4 2026-07-20 0 0002115119 Columbia Financial, Inc./MD/ CLBK 0001409460 Klein Steven M false 19-01 ROUTE 208 NORTH FAIR LAWN NJ 07410 1 1 0 0 Sr. EVP, COO 0 Common Stock 2026-07-20 4 P 0 50000 10 A 711570 D Common Stock 95470 I By 401(k) Common Stock 84244 I By ESOP Stock Options (right to buy) 11.85 2018-11-01 2027-11-01 Common Stock 57000 57000 D Does not reflect the final allocation of shares from the Northfield Bank employee stock ownership plan, which was terminated effective as of July 10, 2026. Exhibit List: Exhibit 24 Power of Attorney /s/ Thomas F. Splaine, Jr., Power of Attorney 2026-07-22