What does with a specific allowance recorded mean?

This represents the specific allowance amount allocated to loans that have been individually evaluated for impairment. It reflects the bank's management estimate of the potential loss on these specific assets based on current economic conditions and borrower performance. This metric provides transparency into the bank's conservative approach to credit risk management.

Columbia Financial, Inc. CLBK With a specific allowance recorded

With a specific allowance recorded at other companies

Wells Fargo & CompanyWFC

$3.16B-23.7%

Flagstar Bank FLG

$193M-7.7%

Flagstar Bank FLG

$997M-13.8%

Valley National BankVLY

$78.5M+27.9%

Pathward Financial, Inc.CASH

$52.46M-20.7%

Wintrust FinancialWTFC

$439.75M+5.8%

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%

Enterprise value$3.05B+15.1%

P/E36.9×—

P/S7.7×-1.7×

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 clbk:FinancingReceivableIndividuallyEvaluatedSpecificAllowanceWithAllowanceForCreditLoss.

The official record: Columbia Financial, Inc.’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Columbia Financial, Inc.'s with a specific allowance recorded?: Columbia Financial, Inc. (CLBK) reported with a specific allowance recorded of $0 in Q1 2026.
What does with a specific allowance recorded mean?: This represents the specific allowance amount allocated to loans that have been individually evaluated for impairment. It reflects the bank's management estimate of the potential loss on these specific assets based on current economic conditions and borrower performance. This metric provides transparency into the bank's conservative approach to credit risk management.