Columbia Financial S-4 for Northfield Bancorp Merger

Columbia Financial, Inc. filed an SEC S-4 that describes a two-part transaction involving Columbia Bank MHC and Northfield Bancorp. The plan includes a second-step mutual-to-stock conversion to full public ownership, followed by a merger in which Northfield Bancorp will merge into Columbia Financial and Northfield Bank will merge into Columbia Bank.

As of December 31, 2025, Columbia Financial’s shares were owned 73.1% by the MHC and 26.9% by public shareholders. The S-4 incorporates the Plan of Conversion and Plan of Merger dated January 31, 2026.