<SEC-DOCUMENT>0001957684-26-000003.txt : 20260304
<SEC-HEADER>0001957684-26-000003.hdr.sgml : 20260304
<ACCEPTANCE-DATETIME>20260304144838
ACCESSION NUMBER:		0001957684-26-000003
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20260302
FILED AS OF DATE:		20260304
DATE AS OF CHANGE:		20260304

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Rinaldi Mayra Liseth
		CENTRAL INDEX KEY:			0001957684
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-38456
		FILM NUMBER:		26720535

	MAIL ADDRESS:	
		STREET 1:		C/O COLUMBIA FINANCIAL, INC.
		STREET 2:		19-01 ROUTE 208 NORTH
		CITY:			FAIR LAWN
		STATE:			NJ
		ZIP:			07410

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Columbia Financial, Inc.
		CENTRAL INDEX KEY:			0001723596
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		ORGANIZATION NAME:           	02 Finance
		EIN:				223504946
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		19-01 ROUTE 208 NORTH
		CITY:			FAIR LAWN
		STATE:			NJ
		ZIP:			07410
		BUSINESS PHONE:		800-522-4167

	MAIL ADDRESS:	
		STREET 1:		19-01 ROUTE 208 NORTH
		CITY:			FAIR LAWN
		STATE:			NJ
		ZIP:			07410
</SEC-HEADER>
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<TYPE>4
<SEQUENCE>1
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<DESCRIPTION>FORM 4
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        <issuerName>Columbia Financial, Inc.</issuerName>
        <issuerTradingSymbol>CLBK</issuerTradingSymbol>
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            <rptOwnerName>Rinaldi Mayra Liseth</rptOwnerName>
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    <derivativeTable>
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                </sharesOwnedFollowingTransaction>
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    <footnotes>
        <footnote id="F1">Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive plan, 25% of which vest in three approximately equal annual installments commencing on May 1, 2024; and the remaining 75% of which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award.</footnote>
        <footnote id="F2">Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive plan, 25% of which vest in three approximately equal annual installments commencing on March 6, 2025; and the remaining 75% of which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award.</footnote>
        <footnote id="F3">Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive plan, which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award on March 3, 2028.</footnote>
        <footnote id="F4">Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 2, 2027.</footnote>
        <footnote id="F5">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.</footnote>
        <footnote id="F6">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.</footnote>
        <footnote id="F7">Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.</footnote>
        <footnote id="F8">Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on May 1, 2024.</footnote>
        <footnote id="F9">Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 6, 2025.</footnote>
        <footnote id="F10">Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in three approximately equal annual installments commencing on March 3, 2026.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>/s/ Dennis E. Gibney, Power of Attorney</signatureName>
        <signatureDate>2026-03-04</signatureDate>
    </ownerSignature>
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</SEC-DOCUMENT>
