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Columbia Financial, Inc. CLBK Off-Balance Sheet Commitments (Contractual)

Off-Balance Sheet Commitments (Contractual) at other companies

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Other financials

Income statement

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Revenue$67.1M+14.2%
Net income$13.1M+47.2%
EPS (diluted)$0.13+44.4%

Balance sheet

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Cash & equivalents$276.9M+8.1%
Total debt$1.3B+12.1%
Total equity$1.2B+6.7%
Total assets$11.0B+3.8%

Cash flow

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Operating cash flow$3.1M+299%
CapEx$1.9M-35.7%
Free cash flow$1.3M+128%

Valuation

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Market cap$2.07B+16.1%

Profitability

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Net margin21%+20.2pp
FCF margin24.1%+19.4pp

Returns & leverage

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Return on equity4.9%+4.8pp
Debt / equity1.1×+0.1×

Where this comes from

Reported directly by Columbia Financial, Inc. in its filing.

Tagged under the XBRL concept us-gaap:UnusedCommitmentsToExtendCredit.

The official record: Columbia Financial, Inc.’s 10-K, filed March 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Columbia Financial, Inc.'s off-balance sheet commitments (contractual)?
Columbia Financial, Inc. (CLBK) reported off-balance sheet commitments (contractual) of $1M in Q4 2025.
What does off-balance sheet commitments (contractual) mean?
This represents the total contractual amount of legally binding obligations to extend credit, such as unused lines of credit or construction loan commitments. While these amounts are not currently on the balance sheet, they represent potential future liquidity demands and credit risk exposure. Investors track this to understand the bank's future funding obligations and potential loan growth pipeline.