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Columbia Financial (CLBK) investor relations material
Columbia Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary20 Oct, 2025
Executive summary
Net income for Q3 2025 was $14.9 million ($0.15/share), up from $6.2 million ($0.06/share) in Q3 2024, driven by higher net interest income, lower provision for credit losses, and higher non-interest income, partially offset by increased non-interest and tax expenses.
For the nine months ended September 30, 2025, net income was $36.1 million ($0.35/share), up 276.9% year-over-year, reflecting improved net interest income, lower credit loss provisions, and higher non-interest income.
Total assets increased 3.6% to $10.9 billion at September 30, 2025, driven by higher loans and securities balances.
Net interest income rose 26.7% year-over-year for the quarter and 22.7% for the nine months, reflecting higher loan balances and yields.
Non-interest income increased 9.9% for the quarter and 11.3% for the nine months, led by higher deposit fees, loan fees, and securities gains.
Financial highlights
Loans receivable, net, increased $349.9 million (4.5%) since year-end, with growth in multifamily, commercial real estate, and commercial business loans.
Net interest margin for Q3 2025 was 2.29%, up 45 bps year-over-year and 10 bps sequentially.
Provision for credit losses decreased 42.9% for the quarter and 33.1% for the nine months, reflecting lower net charge-offs.
Non-interest expense for Q3 2025 increased 5.3% year-over-year to $45.1 million; for the nine months, it decreased 0.7% to $133.8 million.
Non-performing loans increased to $32.5 million (0.40% of loans) from $21.7 million (0.28%) at year-end.
Outlook and guidance
Management expects continued net interest margin expansion, strong loan demand, and a shift toward commercially oriented segments.
Asset quality is expected to remain strong, with a focus on core customer relationships and local economic strength.
Interest rate risk and credit quality remain key areas of monitoring, with stress testing and scenario analysis in place.
Future share repurchase strategy?
Why did non-performing loans increase?
Sustainability of NIM expansion drivers?
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Next Columbia Financial earnings date
Q4 202527 Jan, 2026
Next Columbia Financial earnings date
Q4 202527 Jan, 2026
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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.
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