The bank maintains a stable equity-to-assets ratio of 0.11 as of 2026Q1, supporting its $11.0 billion asset base despite potential sensitivity to duration risk within its $9.9 billion investment securities portfolio.
| Cash & Short Term Investments | 2.68B | 340.69M | 1.06B | 1.52B | 1.51B | 1.77B | 1.74B | 1.17B | 1.08B | 776.07M | 817.47M |
| Cash & Due from Banks | 276.83M | 340.69M | 289.22M | 423.25M | 179.23M | 70.96M | 422.96M | 75.55M | 42.2M | 65.5M | 45.69M |
| Short Term Investments | 112K | 0 | 772.63M | 1.09B | 1.33B | 1.7B | 1.32B | 1.1B | 1.03B | 710.57M | 771.78M |
| Total Investments | 9.86B | 9.81B | 9.28B | 9.32B | 9.38B | 8.43B | 7.7B | 7.52B | 6.22B | 5.35B | 4.7B |
| Investments Growth % | 13.82% | 5.73% | -0.38% | -0.64% | 11.19% | 9.59% | 2.31% | 20.91% | 16.28% | 13.75% | - |
| Long-Term Investments | 37.39B | 9.81B | 8.51B | 8.22B | 8.05B | 6.73B | 6.38B | 6.42B | 5.19B | 4.64B | 3.93B |
| Accounts Receivables | 0 | 0 | 40.38M | 39.34M | 33.9M | 28.3M | 29.46M | 22.09M | 18.89M | 15.91M | 13.16M |
| Goodwill & Intangibles | 119.68M | 120.3M | 121.01M | 123.35M | 125.14M | 91.69M | 87.38M | 68.58M | 6.08M | 6M | 6.12M |
| Goodwill | 0 | 110.72M | 110.72M | 110.72M | 110.72M | 85.32M | 80.28M | 60.76M | 5.72M | 5.72M | 5.72M |
| Intangible Assets | 119.68M | 9.59M | 10.29M | 12.63M | 14.43M | 6.37M | 7.1M | 7.82M | 369K | 281K | 408K |
| PP&E (Net) | 82.58M | 82.98M | 81.77M | 83.58M | 83.88M | 78.71M | 75.97M | 72.97M | 52.05M | 42.62M | 37.86M |
| Other Assets | -9.86B | 618.75M | 660.68M | 657.82M | 607.72M | 520.23M | 486.44M | 426.7M | 350.57M | 285.81M | 216.03M |
| Total Current Assets | 8.51B | 382.19M | 1.1B | 1.56B | 1.54B | 1.8B | 1.77B | 1.2B | 1.09B | 791.98M | 830.63M |
| Total Non-Current Assets | 202.26M | 10.64B | 9.37B | 9.09B | 8.87B | 7.42B | 7.03B | 6.99B | 5.6B | 4.97B | 4.21B |
| Total Assets | 11.01B | 11.02B | 10.48B | 10.65B | 10.41B | 9.22B | 8.8B | 8.19B | 6.69B | 5.77B | 5.04B |
| Asset Growth % | 10.34% | 5.19% | -1.6% | 2.28% | 12.84% | 4.84% | 7.45% | 22.37% | 16.04% | 14.47% | - |
| Return on Assets (ROA) | 0.51% | 0.48% | -0.11% | 0.34% | 0.88% | 1.02% | 0.68% | 0.74% | 0.36% | 0.58% | 0.65% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 1.24B | 1.18B | 1.08B | 1.53B | 1.13B | 377.31M | 799.36M | 1.41B | 1.19B | 929.06M | 681.99M |
| Net Debt | 966.63M | 842.78M | 791.38M | 1.11B | 947.82M | 306.35M | 376.41M | 1.33B | 1.15B | 863.56M | 636.3M |
| Long-Term Debt | 1.24B | 1.17B | 1.08B | 1.53B | 1.13B | 377.31M | 799.36M | 1.3B | 1.03B | 873.06M | 504.59M |
| Short-Term Debt | 3.68M | 0 | 0 | 0 | 0 | 0 | 0 | 107.8M | 159.6M | 56M | 177.4M |
| Other Liabilities | 8.59B | 3.71B | 218.37M | 229.98M | 45.46M | 36.47M | 32.57M | 35.51M | 32.03M | 25.56M | 29.17M |
| Total Current Liabilities | 3.68M | 4.97B | 8.1B | 7.85B | 8.18B | 7.73B | 6.96B | 5.87B | 4.66B | 4.4B | 4.06B |
| Total Non-Current Liabilities | 9.84B | 4.89B | 1.3B | 1.76B | 1.17B | 413.78M | 831.93M | 1.33B | 1.06B | 898.62M | 533.76M |
| Total Liabilities | 9.84B | 9.86B | 9.4B | 9.61B | 9.35B | 8.15B | 7.79B | 7.21B | 5.72B | 5.29B | 4.6B |
| Total Equity | 1.17B | 1.16B | 1.08B | 1.04B | 1.05B | 1.08B | 1.01B | 982.52M | 972.06M | 472.07M | 439.66M |
| Equity Growth % | 26.9% | 7.44% | 3.85% | -1.26% | -2.36% | 6.7% | 2.93% | 1.08% | 105.91% | 7.37% | - |
| Equity / Assets (Capital Ratio) | 10.66% | 10.53% | 10.31% | 9.77% | 10.12% | 11.7% | 11.49% | 12% | 14.53% | 8.19% | 8.73% |
| Return on Equity (ROE) | 4.87% | 4.62% | -1.1% | 3.45% | 8.08% | 8.81% | 5.78% | 5.6% | 3.15% | 6.82% | 7.5% |
| Book Value per Share | 11.57 | 11.44 | 10.61 | 10.11 | 9.92 | 10.36 | 9.21 | 8.84 | 8.73 | 4.07 | 3.79 |
| Tangible BV per Share | 10.39 | 10.26 | 9.42 | 8.91 | 8.74 | 9.48 | 8.42 | 8.23 | 8.67 | 4.02 | 3.74 |
| Common Stock | 1.32M | 1.32M | 1.31M | 1.31M | 1.31M | 1.25M | 1.22M | 1.17M | 1.16M | 0 | 0 |
| Additional Paid-in Capital | 807.98M | 806.58M | 799.48M | 791.45M | 781.16M | 667.91M | 609.53M | 531.67M | 527.04M | 0 | 0 |
| Retained Earnings | 946.82M | 933.72M | 881.95M | 893.6M | 857.52M | 765.13M | 673.08M | 615.48M | 560.22M | 537.48M | 491.02M |
| Accumulated OCI | -77.91M | -75.97M | -110.37M | -158.74M | -179.3M | -45.92M | -69.63M | -68.73M | -71.9M | -65.41M | -51.36M |
| Treasury Stock | -476.23M | -476.13M | -460.98M | -454.13M | -371.71M | -271.65M | -163.01M | -54.95M | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CRE concentration and liquidity
As reported in recent financial filings, Columbia Financial has grown its total assets to $11.0 billion as of 2026Q1, reflecting a consistent expansionary trajectory driven by the integration of regional acquisitions like Freehold Bank and a disciplined approach to balance sheet scaling within the New Jersey market.
The bank's asset growth appears to be primarily driven by inorganic expansion, which suggests management is prioritizing market share consolidation in its core footprint. Investors should monitor whether this growth can be sustained organically without compromising the bank's conservative credit culture or overextending its operational capacity.
Based on the provided quarterly data, the bank maintains a stable equity-to-assets ratio of 0.11 as of 2026Q1, which, when viewed alongside its Mutual Holding Company status, suggests a robust capital retention profile that prioritizes long-term stability over immediate shareholder returns through buybacks or dividends.
The consistent equity-to-assets ratio indicates that the bank is successfully absorbing asset growth while maintaining its regulatory capital position. This structural advantage may provide a significant buffer against potential volatility in the New Jersey commercial real estate market, though it limits the immediate capital return profile for public shareholders.
According to the latest balance sheet disclosures, the bank held $276.8 million in cash and cash equivalents as of 2026Q1, a figure that has fluctuated significantly from the $423.2 million reported in 2023Q4, indicating a tactical approach to managing liquidity in response to shifting interest rate environments.
The variability in cash balances suggests that management is actively deploying capital into higher-yielding investment securities to optimize the balance sheet. However, the reliance on these liquid assets warrants further investigation to ensure that the bank maintains sufficient contingent funding capacity to meet potential deposit outflows.
As indicated by the bank's financial statements, the investment securities portfolio has grown to $9.9 billion as of 2026Q1, representing a substantial portion of total assets that may be sensitive to duration risk and unrealized losses in the current interest rate environment.
While the large securities portfolio provides a stable income stream, it may mask underlying duration mismatches that could impact tangible book value if interest rates remain elevated. Investors should monitor the composition of this portfolio to determine the extent of potential AOCI volatility and its impact on the bank's overall financial health.
Quick answers to the most common questions about buying CLBK stock.
As of 2025, Columbia Financial, Inc. (CLBK) had total assets of $11.02B including $382.2M in current assets.
Columbia Financial, Inc. (CLBK) carries total debt of $1.18B. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Columbia Financial, Inc. (CLBK) has total shareholders' equity (book value) of $1.16B ($11.44 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Columbia Financial, Inc. (CLBK) reported a current ratio of 0.08x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.