{"url_path":"/sec/clbk/10-q/2026/item-6","section_key":"item-6","section_title":"Item 6 Exhibits","topic":"sec","document":{"doc_type":"10-Q/A","doc_date":"2026-06-05","source_url":"https://www.sec.gov/Archives/edgar/data/1723596/0001723596-26-000025-index.html","accession_number":"0001723596-26-000025","cik":"0001723596","ticker":"CLBK","issuer_name":"Columbia Financial, Inc.","edgar_url":"https://www.sec.gov/Archives/edgar/data/1723596/0001723596-26-000025-index.html","primary_entity_key":"0001723596","primary_entity_name":"Columbia Financial, Inc."},"word_count":1917,"has_tables":true,"body_markdown":"Item 6.     Exhibits\n\n    The exhibits listed in the Exhibit Index (following the signatures section of this report) are included in, or incorporated by reference into this Quarterly Report on Form 10-Q.\n\n64\n\nExhibit Index\n\n2.1Plan of Conversion and Reorganization (incorporated by reference to Exhibit 2.1 to the Company’s Current Report on Form 8-K (File No. 001-38456) filed on February 2, 2026)\n\n2.2Agreement and Plan of Merger, dated as of January 31, 2026 by and among Columbia Financial, Inc., a Delaware corporation, Columbia Financial, Inc., a Maryland corporation, Columbia Bank MHC and Northfield Bancorp, Inc.* (incorporated by reference to Exhibit 2.2 to the Company’s Current Report on Form 8-K (File No. 001-38456) filed on February 2, 2026)\n\n10.1Support Agreement, dated as of January 31, 2026, by and among Columbia Financial, Inc. and each of the stockholders of Northfield Bancorp, Inc. listed on the signature pages therein (incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K (File No. 001-38456) filed on February 2, 2026)\n\n10.2Support Agreement, dated as of January 31, 2026, by and among Columbia Financial, Inc. and each of the stockholders of Northfield Bancorp, Inc. listed on the signature pages therein (incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K (File No. 001-38456) filed on February 2, 2026)\n\n10.3Employment Agreement between Columbia Financial, Inc., a Delaware corporation, Columbia Financial, Inc., a Maryland corporation, Columbia Bank and Dennis E. Gibney ** (incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K (File No. 001-38456) filed on April 27, 2026)\n\n10.4Employment Agreement between Columbia Financial, Inc., a Delaware corporation, Columbia Financial, Inc., a Maryland corporation, Columbia Bank and Allyson Schlesinger ** (incorporated by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K (File No. 001-38456) filed on April 27, 2026)\n\n10.5Employment Agreement between Columbia Financial, Inc., a Delaware corporation, Columbia Financial, Inc., a Maryland corporation, Columbia Bank and John Klimowich ** (incorporated by reference to Exhibit 10.3 to the Company’s Current Report on Form 8-K (File No. 001-38456) filed on April 27, 2026)\n\n10.6Employment Agreement between Columbia Financial, Inc., a Delaware corporation, Columbia Financial, Inc., a Maryland corporation, Columbia Bank and Oliver E. Lewis, Jr. ** (incorporated by reference to Exhibit 10.4 to the Company’s Current Report on Form 8-K (File No. 001-38456) filed on April 27, 2026)\n\n10.7Employment Agreement between Columbia Financial, Inc., a Delaware corporation, Columbia Financial, Inc., a Maryland corporation, Columbia Bank and Manesh Prabhu ** (incorporated by reference to Exhibit 10.5 to the Company’s Current Report on Form 8-K (File No. 001-38456) filed on April 27, 2026)\n\n31.1\n[Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.](exhibit3113312026cfi-de.htm)\n\n31.2\n[Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.](exhibit3123312026cfi-de.htm)\n\n32\n[Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.](exhibit3203312026cfi-de.htm)\n\n101.0\nThe following materials from the Company’s Quarterly Report to Stockholders on Form 10-Q for the quarter ended March 31, 2026, formatted in inline XBRL (Extensible Business Reporting Language): (i) the Consolidated Statements of Financial Condition, (ii) the Consolidated Statements of Income, (iii) the Consolidated Statements of Comprehensive (Loss) Income, (iv) the Consolidated Statements of Changes in Stockholder’s Equity, (v) the Consolidated Statements of Cash Flows and (vi) the Notes to the Consolidated Financial Statements.\n\n101. INSThe instance document does not appear in the interactive data file because its XBRL tags are embedded within the Inline XBRL document\n\n101. SCHInline XBRL Taxonomy Extension Schema Document\n\n101. CALInline XBRL Taxonomy Extension Calculation Linkbase Document\n\n101. DEFInline XBRL Taxonomy Extension Definition Linkbase Document\n\n101. LABInline XBRL Taxonomy Extension Label Linkbase Document\n\n101. PREInline XBRL Taxonomy Extension Presentation Linkbase Document\n\n65\n\n104Cover page Interactive Data File (embedded within the Inline XBRL document)\n\n*Pursuant to Item 601(a)(5) of Regulation S-K, certain schedules and similar attachments have been omitted. The registrant hereby agrees to furnish supplementally a copy of any omitted schedule or similar attachment to the SEC upon request.\n\n**Management contractor compensatory plan, contractor arrangement.\n\n66\n\nSIGNATURES\n\nPursuant to the requirements of Section 13 of the Securities Exchange Act of 1934, the Registrant has duly caused this quarterly report to be signed on its behalf by the undersigned, thereunto duly authorized.\n\nColumbia Financial, Inc.\n\nDate:June 5, 2026/s/Thomas J. Kemly\n\nThomas J. Kemly\n\nPresident and Chief Executive Officer\n\n(Principal Executive Officer)\n\nDate:June 5, 2026/s/Thomas F. Splaine, Jr.\n\nThomas F. Splaine, Jr.\n\nExecutive Vice President and Chief Financial Officer\n\n(Principal Financial and Accounting Officer)\n\n67\n\nSection 2: EX-31.1 (EXHIBIT 31.1)\n\nCertification of Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002\n\nI, Thomas J. Kemly, certify that:\n\n1.I have reviewed this report on Form 10-Q, as amended by this Form 10-Q/A, of Columbia Financial, Inc.\n\n2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;\n\n3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;\n\n4.The registrant’s other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:\n\na.    designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;\n\nb.    designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;\n\nc.    evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and\n\nd.    disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and\n\n5.The registrant’s other certifying officers and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors:\n\na.    all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and\n\nb.    any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.\n\nDate:June 5, 2026/s/Thomas J. Kemly\n\nThomas J. Kemly\n\nPresident and Chief Executive Officer\n\n68\n\nSection 3: EX-31.2 (EXHIBIT 31.2)\n\nCertification Pursuant to\n\nExchange Act Rule 13a-14(a) and Rule 15d-14(a)\n\nCertification of Executive Vice President and Chief Financial Officer (Principal Financial and Accounting Officer) Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002\n\nI, Thomas F. Splaine, Jr., certify that:\n\n1.I have reviewed this report on Form 10-Q, as amended by this Form 10-Q/A, of Columbia Financial, Inc.\n\n2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;\n\n3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;\n\n4.The registrant’s other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:\n\na.    designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;\n\nb.    designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;\n\nc.    evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and\n\nd.    disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and\n\n5.The registrant’s other certifying officers and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors:\n\na.    all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and\n\nb.    any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.\n\nDate:June 5, 2026/s/Thomas F. Splaine, Jr.\n\nThomas F. Splaine, Jr.\n\nExecutive Vice President and Chief Financial Officer\n\n69\n\nSection 4: EX-32 (Exhibit 32)\n\nCertification pursuant to 18 U.S.C. Section 1350,\n\nas adopted pursuant to Section 906\n\nof the Sarbanes-Oxley Act of 2002\n\nThomas J. Kemly, President and Chief Executive Officer, and Thomas F. Splaine Jr., Executive Vice President and Chief Financial Officer (Principal Financial and Accounting Officer) of Columbia Financial Inc. (the “Company”), each certify in his capacity as an officer of the Company that he has reviewed the quarterly report of the Company on Form 10-Q for the quarter ended March 31, 2026, as amended by this Form 10-Q/A, and that to the best of his knowledge:\n\n(1) the report fully complies with the requirements of Sections 13(a) of the Securities Exchange Act of 1934; and\n\n(2) the information contained in the report fairly presents, in all material respects, the financial condition and results of operations of the Company.\n\nDate:June 5, 2026/s/Thomas J. Kemly\n\nThomas J. Kemly\n\nPresident and Chief Executive Officer\n\nDate:June 5, 2026/s/Thomas F. Splaine, Jr.\n\nThomas F. Splaine, Jr.\n\nExecutive Vice President and Chief Financial Officer\n\n70"}