Statement of Changes in Beneficial Ownership (Form 4)

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b). Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

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(Print or Type Responses)

1. Name and Address of Reporting Person * Prabhu Manesh Balachandran 2. Issuer Name and Ticker or Trading Symbol Columbia Financial, Inc./MD/ [CLBK] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner __X__ Officer (give title below) _____ Other (specify below) EVP & CIO (Last) (First) (Middle) 19-01 ROUTE 208 NORTH 3. Date of Earliest Transaction (Month/Day/Year) 08/26/2026 (Street) FAIR LAWN, NJ 07410 4. If Amendment, Date Original Filed (Month/Day/Year) 6. Individual or Joint/Group Filing (Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

1.Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Common Stock 08/26/2026 A 9.6781(1) A $11.62 2,258.7747 I By Stock-Based Deferral Plan Common Stock 15,613 D Common Stock 15,000 I By IRA Common Stock 4,601(2) I By 401(k) Common Stock 7,114(2) I By ESOP Common Stock 1,911(2) I By SERP Common Stock 22,628(3) I By Stock Award III(4) Common Stock 24,239 I By Stock Award IV(5)

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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 3)

2. Conversion or Exercise Price of Derivative Security

3. Transaction Date (Month/Day/Year)

3A. Deemed Execution Date, if any (Month/Day/Year)

4. Transaction Code (Instr. 8)

5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5)

6. Date Exercisable and Expiration Date (Month/Day/Year)

7. Title and Amount of Underlying Securities (Instr. 3 and 4)

8. Price of Derivative Security (Instr. 5)

9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)

10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)

11. Nature of Indirect Beneficial Ownership (Instr. 4)

Code

V

(A)

(D)

Date Exercisable

Expiration Date

Title

Amount or Number of Shares

Stock Options (right to buy)

$9.34

10/31/2023(6)

10/31/2032

Common Stock

28,567

28,567

D

Stock Options (right to buy)

$7.25

05/01/2024(6)

05/01/2033

Common Stock

18,609

18,609

D

Stock Options (right to buy)

$7.5

03/06/2025(7)

03/06/2034

Common Stock

18,251

18,251

D

Stock Options (right to buy)

$7.38

03/03/2026(8)

03/03/2035

Common Stock

41,989

41,989

D

Stock Options (right to buy)

$8.31

03/02/2027(9)

03/02/2036

Common Stock

42,999

42,999

D

Phantom Stock Unit

(10)

(11)

(11)

Common Stock

16,871

16,871

I

Deferred Stock Unit Plan

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
Prabhu Manesh Balachandran 19-01 ROUTE 208 NORTH FAIR LAWN, NJ 07410			EVP & CIO

Signatures

/s/ Thomas F. Splaine, Jr., Power of Attorney		08/28/2026
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 4(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1)	Represents phantom stock dividends which are exempt under Rule 16b-3 in connection with the Columbia Bank Stock Based Deferral Plan.
(2)	This form reflects increases in beneficial ownership resulting from exempt acquisitions pursuant to rule 16b-3(c).
(3)	This form accounts for a decrease of 2 share from the prior report due to the rounding of fractional shares.
(4)	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.
(5)	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.
(6)	Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.
(7)	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.
(8)	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.
(9)	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.
(10)	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.
(11)	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.

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