<SEC-DOCUMENT>0001729897-26-000014.txt : 20260317
<SEC-HEADER>0001729897-26-000014.hdr.sgml : 20260317
<ACCEPTANCE-DATETIME>20260317104119
ACCESSION NUMBER:		0001729897-26-000014
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20260313
FILED AS OF DATE:		20260317
DATE AS OF CHANGE:		20260317

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Kemly Thomas J.
		CENTRAL INDEX KEY:			0001729897
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-38456
		FILM NUMBER:		26759684

	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>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>wk-form4_1773758474.xml
<DESCRIPTION>FORM 4
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    <footnotes>
        <footnote id="F1">Represents phantom stock purchased, on a non-discretionary basis, by the trustee of the Bank's rabbi trust maintained in connection with the Columbia Bank Stock Based Deferral Plan, a non-qualified stock-based deferral plan. Stock unit interests under the Columbia Bank Stock Based Deferral Plan will be settled in shares of stock upon distribution to the reporting person.</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 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="F3">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="F4">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="F5">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 2, 2029.</footnote>
        <footnote id="F6">Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.</footnote>
        <footnote id="F7">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="F8">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="F9">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>
        <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 2, 2027.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>/s/ Dennis E. Gibney, Power of Attorney</signatureName>
        <signatureDate>2026-03-17</signatureDate>
    </ownerSignature>
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</SEC-DOCUMENT>
