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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Columbia Financial
Columbia Financial (CLBK) investor relations material
Columbia Financial Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary29 Oct, 2026
Executive summary
Q3 2026 net income was $5.2M, or $0.02/share, vs. $14.9M; core net income was $40.6M, or $0.16/share, vs. $15.4M.
Second-step conversion and the July 20 Northfield acquisition materially reshaped results and the balance sheet; transactions also repositioned securities and reduced selected credit exposures.
Financial highlights
Q3 net interest income rose 99.3% YoY to $114.4M; net interest margin was 2.96%, up 67 bps YoY and 52 bps QoQ.
Q3 non-interest loss was $13.9M, including a $40.8M securities loss and $7.6M loss on loan transfers; non-interest expense rose to $97.5M, including $30.6M merger costs.
9M net income was $32.8M, down 9.0% YoY; core net income was $70.6M vs. $37.1M. 9M net interest income increased 47.3% to $237.7M.
Total assets reached $17.6B at Sept. 30, up $5.4B QoQ, primarily from Northfield and the stock offering; gross loans rose 37.2% and deposits 32.2% QoQ.
Board declared a $0.05/share quarterly cash dividend, payable Nov. 25, 2026, to holders of record Nov. 10.
Outlook and guidance
Core system conversion following the Northfield acquisition is planned for Q1 2027.
Reinvestment of securities-sale proceeds is expected to generate ~$9.3M in additional interest income over the next 12 months; management cited growth through commercial bankers and relationship banking.
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Latest events from Columbia Financial
- Q2 2026 net income up 17.7% year-over-year, driven by margin expansion and strategic growth.CLBK
Q2 2026 - All proposals, including conversion, merger, and governance changes, were approved by required majorities.CLBKAGM 2026
- Shareholders to vote on conversion and merger, expanding capital, board, and executive leadership.CLBKProxy filing
- Net income surged 47% year-over-year as merger plans and margin expansion drove improved results.CLBKQ1 2026
- Strong capital and asset quality support a strategic shift toward commercial banking and digital growth.CLBKAGM 2024 presentation
- Strong capital, low NPAs, and a shift toward commercial lending drive growth and stability.CLBKEast Coast Financial Services Conference 2024 Presentation
- $597M+ merger forms a top NJ/NY regional bank, boosting scale, efficiency, and growth.CLBKM&A announcement
- Strong net income and margin growth in 2025, reversing prior year losses.CLBKQ4 2025
- Virtual annual meeting to elect directors, ratify auditor, and approve executive pay, with ESG focus.CLBKProxy Filing
Next Columbia Financial earnings date
Q4 202626 Jan, 2027
Columbia Financial
Next Columbia Financial earnings date
Q4 202626 Jan, 2027
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Frequently asked questions
Columbia Financial, Inc. is a financial services holding company that operates primarily through its subsidiary, Columbia Bank. The company offers a wide range of banking products and services, including personal and business checking and savings accounts, mortgage lending, commercial real estate loans, and small business banking services. Columbia Financial serves individuals, businesses, and municipalities across various sectors, focusing on providing tailored financial solutions and customer service. In addition to traditional banking services, the company also provides wealth management, investment advisory, and insurance services. The company is headquartered in Fair Lawn, New Jersey, and its shares are listed on the NASDAQ.