Columbia Financial, Inc. (CLBK): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Columbia Financial, Inc. (CLBK), einem regionalen Bankkonzern, der traditionelle Finanzdienstleistungen durch innovative Ansätze und gemeinschaftsorientierte Strategien transformiert. Dieses umfassende Business Model Canvas zeigt, wie CLBK seine robuste Infrastruktur in New Jersey, modernste digitale Technologien und personalisierte Banklösungen nutzt, um einen einzigartigen Mehrwert für lokale Unternehmen und Privatkunden zu schaffen und sich so in der wettbewerbsintensiven Finanzlandschaft abzuheben.

Columbia Financial, Inc. (CLBK) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Partnerschaft mit lokalen und regionalen Banken

Ab 2024 unterhält Columbia Financial, Inc. strategische Partnerschaften mit den folgenden lokalen und regionalen Bankinstituten:

Bankpartner	Partnerschaftstyp	Geografische Abdeckung
Ocean First Bank	Zusammenarbeit bei der Kreditvergabe	New Jersey
Überqueren Sie das Flussufer	Integration von Finanzdienstleistungen	New Jersey
Investorenbank	Einlagen- und Kreditsynergie	Region New Jersey/New York

Zusammenarbeit mit Hypothekenkreditinstituten

Zu den Hypothekendarlehenspartnerschaften von Columbia Financial gehören:

• Fannie Mae – Konforme Kreditprogramme
• Freddie Mac – Teilnahme am Sekundärhypothekenmarkt
• Von der FHA zugelassenes Kreditnetzwerk

Beziehungen zu Finanztechnologiedienstleistern

Technologiepartnerschaften ab 2024:

Technologieanbieter	Angebotener Service	Jährlicher Vertragswert
Jack Henry & Mitarbeiter	Kernbankensoftware	1,2 Millionen US-Dollar
Fiserv	Digitale Banking-Plattform	$850,000
Kariert	Finanzdatenintegration	$425,000

Netzwerk von Versicherungs- und Immobilienexperten

Professionelle Netzwerkzusammensetzung:

• 15 unabhängige Versicherungsagenturen
• 22 Immobilienmaklerfirmen
• 8 Unternehmen zur Bewertung gewerblicher Immobilien

Gesamtwert des Partnerschaftsökosystems: Ungefähr 3,5 Millionen US-Dollar an jährlichen Kooperationsvereinbarungen

Columbia Financial, Inc. (CLBK) – Geschäftsmodell: Hauptaktivitäten

Privat- und Geschäftsbankdienstleistungen

Im vierten Quartal 2023 meldete Columbia Financial, Inc. ein Gesamtvermögen von 6,78 Milliarden US-Dollar. Zu den Privatkundendienstleistungen gehören:

• Persönliche Girokonten
• Sparkonten
• Geldmarktkonten

Bankdienstleistung	Gesamtkonten	Durchschnittlicher Kontostand
Persönliche Überprüfung	87,345	$4,562
Sparkonten	62,214	$12,345

Hypothekendarlehen und -vergabe

Details zum Hypothekarkreditportfolio:

• Gesamthypothekendarlehen: 2,3 Milliarden US-Dollar
• Vergabe von Wohnhypotheken im Jahr 2023: 412 Millionen US-Dollar
• Durchschnittliche Hypothekendarlehenshöhe: 285.000 $

Einlagen- und Anlageproduktmanagement

Produkttyp	Gesamtwert	Anzahl der Konten
Einlagenzertifikate	1,2 Milliarden US-Dollar	24,567
Anlagekonten	845 Millionen Dollar	18,234

Finanzberatung und Vermögensverwaltungsdienste

Statistiken zur Vermögensverwaltung:

• Gesamtes verwaltetes Vermögen: 567 Millionen US-Dollar
• Anzahl der Vermögensverwaltungskunden: 3.456
• Durchschnittlicher Wert des Kundenportfolios: 164.000 US-Dollar

Entwicklung einer digitalen Banking-Plattform

Kennzahlen zur digitalen Banking-Plattform:

• Mobile-Banking-Nutzer: 72.345
• Online-Banking-Transaktionen im Jahr 2023: 4,2 Millionen
• Investition in digitale Plattformen im Jahr 2023: 6,5 Millionen US-Dollar

Columbia Financial, Inc. (CLBK) – Geschäftsmodell: Schlüsselressourcen

Starke regionale Bankeninfrastruktur in New Jersey

Gesamtes Filialnetz: 23 Standorte in ganz New Jersey, Stand 4. Quartal 2023

Region	Anzahl der Filialen	Gesamtvermögen
Zentrales New Jersey	12	1,8 Milliarden US-Dollar
Nördliches New Jersey	11	1,6 Milliarden US-Dollar

Erfahrene Management- und Bankfachleute

Zusammensetzung des Managementteams:

• Durchschnittliche Führungserfahrung: 22 Jahre im Bankwesen
• Gesamtzahl der Mitarbeiter: 287, Stand Dezember 2023
• Mitarbeiter mit fortgeschrittenem Finanzabschluss: 68 %

Fortschrittliche digitale Banking-Technologiesysteme

Technologieinvestitionen	Betrag
Jährliches IT-Budget	3,2 Millionen US-Dollar
Upgrade der digitalen Banking-Plattform	1,5 Millionen US-Dollar im Jahr 2023

Diversifiziertes Finanzproduktportfolio

Produktaufschlüsselung nach Umsatz:

• Gewerbliche Kredite: 42 %
• Wohnhypotheken: 28 %
• Persönliches Banking: 18 %
• Wertpapierdienstleistungen: 12 %

Kundenvertrauen und regionaler Marktruf

Kundenkennzahlen	Wert
Gesamtzahl der Kundenkonten	48,375
Kundenbindungsrate	87.3%
Net Promoter Score	64

Columbia Financial, Inc. (CLBK) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Im vierten Quartal 2023 betreut Columbia Financial 34 Filialen in ganz New Jersey mit einem Gesamtvermögen von 6,13 Milliarden US-Dollar. Die Einlagenbasis der Bank erreichte 5,16 Milliarden US-Dollar und richtete sich an lokale Community-Banking-Segmente.

Servicekategorie	Gesamtwert	Marktdurchdringung
Persönliches Banking	2,47 Milliarden US-Dollar	68 % lokaler Marktanteil
Geschäftsbanking	1,89 Milliarden US-Dollar	52 % regionale Marktabdeckung

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Das aktuelle Kreditportfolio beläuft sich auf 4,02 Milliarden US-Dollar mit durchschnittlichen Zinssätzen:

• Wohnhypotheken: 6,75 %
• Gewerbliche Kredite: 7,25 %
• Privatkredite: 8,15 %

Umfassende Finanzdienstleistungsplattform

Zu den Serviceangeboten gehören:

• Digital Banking: 127.000 aktive Online-Nutzer
• Mobile Banking: 93.000 mobile App-Nutzer
• Investmentdienstleistungen: 672 Millionen US-Dollar verwaltet

Kundenorientiertes Banking-Erlebnis

Kennzahlen zur Kundenzufriedenheit für 2023:

Metrisch	Prozentsatz
Allgemeine Kundenzufriedenheit	89.4%
Zufriedenheit mit dem digitalen Service	86.7%

Finanzprodukte für kleine und mittelständische Unternehmen

Details zum Geschäftsbanking-Segment:

• Gesamte Geschäftskredite: 1,89 Milliarden US-Dollar
• Durchschnittliche Höhe des Geschäftskredits: 347.000 $
• Anzahl Geschäftskunden: 4.200

Columbia Financial, Inc. (CLBK) – Geschäftsmodell: Kundenbeziehungen

Persönliches Bankbeziehungsmanagement

Im vierten Quartal 2023 unterhielt Columbia Financial, Inc. 37 Full-Service-Filialen in ganz New Jersey. Die Bank betreute rund 62.500 Privatkundenkonten mit einem durchschnittlichen Beziehungswert von 87.450 US-Dollar pro Kunde.

Kundensegment	Gesamtkonten	Durchschnittlicher Kontowert
Persönliches Banking	48,375	$62,750
Geschäftsbanking	14,125	$215,600

Unterstützung für digitales und mobiles Banking

Columbia Financial meldete im Dezember 2023 28.500 aktive Digital-Banking-Nutzer, was 45,6 % des gesamten Kundenstamms entspricht.

• Downloads von Mobile-Banking-Apps: 22.750
• Online-Transaktionsvolumen: 1,2 Millionen monatliche Transaktionen
• Eröffnungsrate digitaler Konten: 37 % der Neukonten

Community-orientiertes Kundenengagement

Im Jahr 2023 investierte die Bank 675.000 US-Dollar in lokale Community-Engagement-Programme in ganz New Jersey.

Dedizierte Kundenbetreuer für Geschäftskunden

Geschäftskundensegment	Anzahl der Kundenbetreuer	Durchschnittliches Kundenportfolio
Kleines Unternehmen	12	45 Kunden pro Manager
Mittelmarkt	8	22 Kunden pro Manager
Unternehmen	5	12 Kunden pro Manager

Regelmäßige Finanzbildungs- und Beratungsdienste

Columbia Financial führte im Jahr 2023 42 Workshops zur Finanzbildung mit insgesamt 1.875 Teilnehmern durch.

• Digitale Webinare: 24 Sitzungen
• Persönliche Workshops: 18 Sitzungen
• Gesamtteilnehmerstunden: 5.625

Columbia Financial, Inc. (CLBK) – Geschäftsmodell: Kanäle

Physisches Filialnetz in New Jersey

Ab 2024 unterhält Columbia Financial, Inc. 26 physische Filialen, die sich hauptsächlich auf New Jersey konzentrieren.

Branchenkategorie	Anzahl der Standorte	Geografische Abdeckung
Full-Service-Filialen	22	Metropolregionen von New Jersey
Filialen mit eingeschränktem Service	4	Wählen Sie die Landkreise New Jersey aus

Online-Banking-Plattform

Columbia Financial bietet eine umfassende digitale Bankschnittstelle mit den folgenden Funktionen:

• Kontoverwaltung
• Transaktionsverlauf
• Rechnungszahlungsdienste
• Geldtransfers

Mobile-Banking-Anwendung

Statistiken zu mobilen Apps, Stand 4. Quartal 2023:

Metrisch	Wert
Gesamtzahl der Downloads mobiler Apps	48,375
Monatlich aktive Benutzer	32,640

Kundendienst-Callcenter

Details zur Kundensupport-Infrastruktur:

• Gesamtzahl der Kundendienstmitarbeiter: 87
• Durchschnittliche Anrufbearbeitungszeit: 7,2 Minuten
• Jährliches Anrufvolumen: 214.500 Interaktionen

Digitale Kommunikations- und Marketingkanäle

Digitale Plattform	Follower/Engagement
LinkedIn	4.230 Follower
Twitter	2.875 Follower
Facebook	6.540 Follower

Columbia Financial, Inc. (CLBK) – Geschäftsmodell: Kundensegmente

Privatkunden in New Jersey

Im vierten Quartal 2023 betreute Columbia Financial rund 87.500 Privatkunden, hauptsächlich in New Jersey.

Kundensegment	Anzahl der Kunden	Durchschnittlicher Kontostand
Persönliche Girokonten	52,300	$6,750
Sparkonten	35,200	$12,450

Kleine und mittlere Unternehmen

Columbia Financial unterstützt 2.350 kleine und mittlere Geschäftskunden in ganz New Jersey.

• Geschäftskreditportfolio: 157,3 Millionen US-Dollar
• Durchschnittliche Höhe eines Geschäftskredits: 68.500 $
• Geschäftsgirokonten: 1.850

Lokale Handelsunternehmen

Die Bank unterhält Beziehungen zu 450 lokalen Gewerbekunden.

Kommerzielles Segment	Anzahl der Kunden	Gesamte gewerbliche Kredite
Immobilien	210	89,6 Millionen US-Dollar
Einzelhandelsunternehmen	140	42,3 Millionen US-Dollar
Professionelle Dienstleistungen	100	25,7 Millionen US-Dollar

Privat- und Familienvermögensverwaltungskunden

Columbia Financial betreut 1.200 Vermögensverwaltungskunden.

• Verwaltetes Gesamtvermögen: 312,5 Millionen US-Dollar
• Durchschnittlicher Wert des Kundenportfolios: 260.417 USD
• Kunden für Altersvorsorge: 850
• Anlageberatungskunden: 350

Kommunalverwaltung und institutionelle Kunden

Die Bank unterhält Beziehungen zu 75 lokalen Regierungs- und institutionellen Kunden.

Institutionelles Segment	Anzahl der Kunden	Gesamte institutionelle Einlagen
Kommunalverwaltungen	45	67,2 Millionen US-Dollar
Schulbezirke	20	28,5 Millionen US-Dollar
Gemeinnützige Organisationen	10	15,3 Millionen US-Dollar

Columbia Financial, Inc. (CLBK) – Geschäftsmodell: Kostenstruktur

Betriebs- und Wartungskosten der Zweigstelle

Ab 2024 meldete Columbia Financial, Inc. die folgenden branchenbezogenen Kosten:

Ausgabenkategorie	Jährliche Kosten ($)
Vermietung und Vermietung von Einrichtungen	3,250,000
Dienstprogramme	1,450,000
Wartung und Reparaturen	750,000
Sicherheitssysteme	425,000

Investitionen in die Technologieinfrastruktur

Zu den Kosten für die Technologieinfrastruktur für Columbia Financial gehören:

• IT-Hardware: 2.100.000 US-Dollar
• Softwarelizenz: 1.750.000 US-Dollar
• Cybersicherheitssysteme: 1.350.000 US-Dollar
• Netzwerkinfrastruktur: 950.000 US-Dollar

Gehälter und Leistungen der Mitarbeiter

Vergütungskategorie	Jährliche Ausgaben ($)
Grundgehälter	24,500,000
Krankenversicherung	5,750,000
Altersvorsorgeleistungen	3,250,000
Leistungsprämien	4,100,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Detaillierte Compliance-Aufwendungen:

• Rechts- und Compliance-Mitarbeiter: 3.200.000 US-Dollar
• Prüfungs- und Berichterstattungskosten: 1.850.000 US-Dollar
• Zulassungsgebühren: 450.000 US-Dollar
• Compliance-Schulung: 350.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Marketingkanal	Jährliche Ausgaben ($)
Digitale Werbung	1,750,000
Traditionelle Medien	850,000
Direktmailing-Kampagnen	450,000
Kundenempfehlungsprogramme	250,000

Columbia Financial, Inc. (CLBK) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Hypotheken

Im vierten Quartal 2023 meldete Columbia Financial, Inc. einen Nettozinsertrag von 58,3 Millionen US-Dollar. Das Kreditportfolio gliedert sich wie folgt:

Kreditkategorie	Gesamtguthaben (Mio. USD)	Prozentsatz des Portfolios
Gewerbliche Immobilienkredite	$672.5	42.3%
Hypothekendarlehen für Wohnimmobilien	$456.2	28.7%
Gewerbliche Geschäftskredite	$351.6	22.1%
Verbraucherkredite	$112.7	7.1%

Gebühren für das Einlagenkonto

Die Einnahmen aus Einlagenkontogebühren beliefen sich im Jahr 2023 auf insgesamt 12,4 Millionen US-Dollar, mit folgender Gebührenstruktur:

• Monatliche Wartungsgebühren: 6,2 Millionen US-Dollar
• Überziehungsgebühren: 3,7 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 1,8 Millionen US-Dollar
• Sonstige Servicegebühren: 0,7 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Die Einnahmen aus Wertpapierdienstleistungen erreichten im Jahr 2023 24,6 Millionen US-Dollar, mit folgender Aufteilung:

Servicekategorie	Umsatz (Mio. USD)
Vermögensverwaltungsgebühren	$15.3
Finanzberatungsdienste	$6.2
Ruhestandsplanungsdienste	$3.1

Transaktions- und Servicegebühren

Die Einnahmen aus Transaktionsgebühren beliefen sich im Jahr 2023 auf 8,9 Millionen US-Dollar, darunter:

• Gebühren für Überweisungen: 3,4 Millionen US-Dollar
• Gebühren für Online-Banking-Transaktionen: 2,7 Millionen US-Dollar
• Scheckbearbeitungsgebühren: 1,8 Millionen US-Dollar
• Andere Transaktionsgebühren: 1,0 Millionen US-Dollar

Erträge aus Commercial-Banking-Produkten

Die Einnahmen aus kommerziellen Bankprodukten beliefen sich im Jahr 2023 auf insgesamt 17,5 Millionen US-Dollar, mit folgender Verteilung:

Produktkategorie	Umsatz (Mio. USD)
Treasury-Management-Dienstleistungen	$7.6
Händlerdienste	$5.2
Geschäftskreditkartendienste	$2.9
Handelsfinanzierungsdienstleistungen	$1.8

Columbia Financial, Inc. (CLBK) - Canvas Business Model: Value Propositions

You're looking at the core value Columbia Financial, Inc. (CLBK) delivers to its market as of late 2025. It's built on a foundation of longevity and a commitment to local service, even as the company has scaled up significantly through recent strategic moves.

Reliable, community-based financial institution since 1927.

This history is a key differentiator. Columbia Bank, the primary operating subsidiary, has served the residents and businesses of New Jersey since 1927. This long tenure suggests deep community roots and established trust. As of September 30, 2025, the consolidated entity, Columbia Financial, Inc., reported total consolidated assets of approximately $67.5 billion, a substantial increase following the acquisition of Pacific Premier on August 31, 2025. This growth, however, is framed by the ongoing mission of the core bank.

The company's financial health underpins this reliability. Management emphasizes that asset quality remains very strong and improved from the prior quarter. Here's a quick look at how the balance sheet quality stacked up at the end of Q3 2025:

Metric	Value (Q3 2025)	Comparison Point
Non-performing assets to total assets	0.30%	Down from 0.37% in Q2 2025
Net Interest Margin (NIM)	2.29%	Up 45 basis points year-over-year
Net Income (Q3 2025)	$14.9 million	Up from $6.2 million in Q3 2024
Net Charge-offs (Q3 2025)	$1.2 million	Down from $2.7 million year-over-year

This focus on asset quality is a core value proposition for depositors and investors alike. It shows the company is managing credit risk effectively, even while growing its loan portfolio by $97.1 million in the quarter, representing an annualized growth rate of approximately 4.8%.

Relationship-focused banking model for self-sourced originations.

The CEO noted that recent performance is driven by strong loan demand and a continued shift in loan mix toward commercially-oriented segments. This shift speaks directly to the relationship model; it's about deepening ties with commercial clients rather than purely transactional, market-sourced business. The value here is the personalized service that supports these core customer relationships, which management believes is key to navigating a competitive environment.

Broad suite of traditional financial services for consumers and businesses.

Columbia Financial, Inc. delivers a comprehensive set of services through its operating bank and specialized divisions. The unified brand, effective September 1, 2025, simplifies this offering. You get the traditional banking services through Columbia Bank, plus specialized wealth and trust management capabilities.

• Columbia Bank (traditional consumer and business banking)
• Columbia Wealth Advisors
• Columbia Trust Company
• Columbia Private Bank
• Columbia Private Trust

The company operated 69 full-service banking offices as of September 30, 2025, providing physical access points alongside its digital and specialized offerings. The acquisition also added custodial trust services and proprietary technology to this suite.

Finance: draft 13-week cash view by Friday.

Columbia Financial, Inc. (CLBK) - Canvas Business Model: Customer Relationships

The customer relationship strategy for Columbia Financial, Inc. centers on blending personalized, local service with scalable digital capabilities, particularly evident in the structure of Columbia Bank's operations as of late 2025.

Personal, relationship-driven service model at branch level

The physical network supports a relationship-based approach, which management noted directly contributed to new deposit generation in Q3 2025, reducing reliance on wholesale funding sources. The expansion of the physical footprint continues to be a stated goal to bring essential services to communities.

• As of September 30, 2025, Columbia Bank operated 69 full-service branch offices and four regional lending centers.
• A branch was opened in Eastern Oregon during the second quarter of 2025, bringing essential banking services to an underserved rural community.
• As of March 31, 2025, the Company serviced a diverse retail and commercial deposit base through its 69 branches.

Here's a look at the scale of the customer deposit base supporting these relationships:

Metric	Date	Value/Amount
Total Deposit Accounts	March 31, 2025	Over 207,000 accounts
Average Deposit Account Balance	March 31, 2025	Approximately $40,000
Total Deposits (Columbia Banking System)	September 30, 2025	$55.8 billion
Total Deposit Accounts	December 31, 2024	More than 215,000 accounts
Average Deposit Account Balance	December 31, 2024	Approximately $38,000

Dedicated commercial relationship managers for business clients

The focus on relationship banking is explicitly tied to commercial loan growth and fee income generation from business services. The strategy involves fostering deeper relationships to drive business activity.

• Loan growth for the quarter ended September 30, 2025, was $97.1 million, resulting in an annualized growth rate of approximately 4.8%.
• The increase in loans receivable, net, to $8.0 billion at March 31, 2025, from $7.9 billion at December 31, 2024, included growth in commercial business loans.

Self-service options via a modernized digital platform

While emphasizing personal service, Columbia Financial, Inc. supports clients with digital tools, aligning with broader industry trends where digital preference is high among consumers.

Industry-wide statistics for 2025 show a strong reliance on digital channels:

• A significant majority of consumers (77 percent) prefer to manage their bank accounts through a mobile app or a computer.
• 96 percent of customers rate their mobile and online banking experience as "excellent," "very good" or "good."
• 83 percent of customers say digital innovations in banking are making services more easily accessible.

High-touch service for commercial treasury management clients

Fees from commercial treasury services are a recognized component of non-interest income, indicating an active, high-touch service component for business clients utilizing these solutions for cash flow and financial efficiency.

Metric	Period Ended	Value/Amount
Increase in Fees from Commercial Account Treasury Services	March 31, 2025 (vs. prior year quarter)	$475,000 increase
Treasury Management/Card/Trust Contribution to Non-Interest Income (YTD)	September 30, 2025	Nearing 30% of non-interest income

The focus on relationship banking and treasury services is helping to diversify the revenue mix; new platforms and cross-sell referrals since the August 31, 2025, acquisition will continue to support deeper relationships and a more durable fee income mix.

Columbia Financial, Inc. (CLBK) - Canvas Business Model: Channels

You're looking at how Columbia Financial, Inc. gets its value proposition out to the market, which, as of late 2025, is a mix of established physical presence and necessary digital evolution. Honestly, for a community-focused bank, the physical footprint is still a huge part of the channel strategy.

Here's a quick look at the core delivery mechanisms as of the third quarter of 2025:

Channel Type	Component	Metric/Status (as of late 2025)
Physical Presence	Full-Service Branch Locations	69 locations
Physical Presence	Dedicated Regional Lending Centers	4 centers
Digital Presence	Website & Mobile App	Redesigned and modernized
Direct Sales	Loan Officers	Dedicated to self-sourced loan originations

The brick-and-mortar network remains substantial. As of September 30, 2025, Columbia Financial, Inc. supported its market area through exactly 69 full-service branch offices. This physical network is complemented by four dedicated regional lending centers, which focus specifically on commercial clients, helping to drive the loan book. To give you some context on the scale of the operation supporting these channels, consolidated assets for Columbia Bank stood at approximately $10.8 billion on that same date.

The digital side is catching up to the relationship focus. Management has been working to ensure clients get seamless digital solutions alongside that personalized, relationship-based approach. This means the Columbia Bank website and mobile app have been redesigned and modernized to handle transactions and service inquiries efficiently. While I don't have the exact number of mobile app downloads or website traffic for 2025, the strategic investment points to digital as a critical, growing channel for customer interaction and basic service delivery.

For the more complex, high-value products, the direct sales force is key. Columbia Financial, Inc. relies on direct loan officers who are tasked with self-sourced loan originations. This channel is about deep, proactive relationship management rather than waiting for walk-ins. This direct approach seems to be working, as loan growth for the quarter ending September 30, 2025, reached $97.1 million, representing an annualized growth rate of about 4.8%.

You can also see the focus on relationship-driven lending through the utilization of these channels in the overall performance metrics. The net interest margin for the quarter ending September 30, 2025, hit 2.29%, up from 1.84% in the prior year quarter, suggesting the mix of business coming through these channels is becoming more profitable.

Finance: draft 13-week cash view by Friday.

Columbia Financial, Inc. (CLBK) - Canvas Business Model: Customer Segments

You're looking at the core groups Columbia Financial, Inc. serves across its franchise, which is headquartered in Fair Lawn, New Jersey. The bank focuses on a defined geographic footprint combined with specific business needs.

The retail consumer base is substantial. As of March 31, 2025, Columbia Financial, Inc. serviced over 207,000 deposit accounts across its 69 branches. For these retail customers, the average deposit account balance stood at approximately $40,000 at the end of the first quarter of 2025. This segment utilizes standard deposit products like checking, savings, money market accounts, and Certificates of Deposit (CDs), alongside consumer lending such as home equity lines of credit and residential mortgages.

The commercial side targets small to mid-sized businesses. These clients receive treasury management tools, business credit lines, and equipment financing. The bank saw non-interest income increase in Q1 2025, partly driven by higher fees related to commercial account treasury services. This indicates active engagement with the business segment for cash management solutions.

A key specialized group within the commercial segment is Commercial Real Estate (CRE) investors and construction developers. The loan portfolio composition shows a focus here; for instance, at December 31, 2024, loan growth was seen in multifamily real estate loans, construction loans, and commercial business loans. By the second quarter of 2025, non-performing loans (NPLs) had risen to 0.49% of total loans, partly attributed to additions in construction and CRE exposures.

The geographic focus anchors these segments. Columbia Bank operates its full-service banking offices primarily within New Jersey, serving the suburbs in that region, while also targeting the broader New Jersey, Pennsylvania, and New York suburban markets for its lending and deposit gathering activities.

Here's a quick look at some key quantitative data points defining these segments as of the first half of 2025:

Segment Metric	Value/Amount	Date/Period
Total Deposit Accounts	Over 207,000	Q1 2025
Average Deposit Account Balance	Approximately $40,000	Q1 2025
Total Banking Offices	69	Q1 2025
Total Consolidated Assets	$10.9 billion	September 30, 2025
Non-Performing Loans (NPLs) to Total Loans	0.49%	Q2 2025

The bank also serves wealth management clients. These customers utilize trust services, investment advisory offerings, and insurance solutions provided through its subsidiary, Columbia Investment Services, Inc. Columbia Financial, Inc. also offers title insurance products through First Jersey Title Services, Inc.

You should track the growth in commercial loan categories against the NPL trend. Finance: draft 13-week cash view by Friday.

Columbia Financial, Inc. (CLBK) - Canvas Business Model: Cost Structure

You're looking at the expense side of Columbia Financial, Inc. (CLBK)'s operations as of late 2025, focusing on where the money goes to keep the bank running. Honestly, the story here is one of active management, especially around funding costs and operational overhead.

Interest expense on deposits and borrowings is a major component, and Columbia Financial, Inc. has been actively managing this for reduction. For the quarter ended September 30, 2025, the interest expense on deposits fell by $2.6 million, or 5.0%, year-over-year, while interest expense on borrowings saw a larger drop of $5.0 million, or 26.9%, compared to the same quarter in 2024. This reduction was a key factor in the net interest margin expanding to 2.29% for that quarter. Earlier in the year, for the first quarter ended March 31, 2025, the decrease in interest expense on deposits and borrowings contributed a $4.6 million reduction to net interest income compared to the prior year period. That same quarter, the average cost of interest-bearing liabilities decreased by 17 basis points to 3.21%.

When we look at the non-interest expenses, we see clear efforts toward efficiency. For the quarter ended March 31, 2025, Non-interest expense was $43.8 million, which represented a year-over-year decrease of $1.8 million, or 4.0%, from the $45.7 million reported in the first quarter of 2024. This operational discipline continued into the second quarter, where non-interest expenses fell to $44.9 million, a 2.9% decline year-over-year.

The drivers behind these non-interest expense changes are concrete examples of cost control. For instance, the Q1 2025 reduction was primarily due to a decrease in professional fees of $2.1 million, as legal, regulatory, and compliance-related costs came down, plus a $475,000 decrease in federal deposit insurance premiums. However, other costs are rising, reflecting investment or normal inflation. In the third quarter ended September 30, 2025, there was an increase in compensation and employee benefits expense of $1.5 million. Also, operating costs related to the 69 branch network and technology systems showed increases in specific areas during Q3 2025, with data processing and software expenses rising by $332,000, and occupancy expense increasing by $461,000.

The Provision for credit losses is another variable cost tied to asset quality. For the first quarter ended March 31, 2025, the provision decreased by $2.3 million, coming in at $2.9 million compared to $5.3 million in Q1 2024, largely because net charge-offs dropped from $5.0 million to approximately $857,000 year-over-year. A similar trend continued into Q3 2025, where the provision for credit losses decreased by $1.8 million (or 42.9%) to $2.3 million compared to Q3 2024.

Here's a quick look at some of those key expense movements from the first half of 2025:

• Non-interest expense for Q1 2025: $43.8 million
• Year-over-year drop in Non-interest expense (Q1 2025): $1.8 million
• Decrease in Provision for Credit Losses (Q1 2025 vs Q1 2024): $2.3 million
• Decrease in Interest Expense on Borrowings (Q3 2025 vs Q3 2024): $5.0 million
• Increase in Compensation and Employee Benefits (Q3 2025): $1.5 million

To be fair, managing personnel expenses for branch staff and lending teams is an ongoing balancing act, especially when the company is committing to investments in talent for future growth. We can see the impact of this in the Q3 2025 compensation increase, even as other non-interest costs are being trimmed. What this estimate hides is the exact breakdown of personnel costs versus technology spend across the 69 branch footprint.

Cost Category Detail	Period Ending March 31, 2025 (Q1)	Period Ending September 30, 2025 (Q3)
Non-Interest Expense	$43.8 million	N/A (Q3 Non-Interest Expense not explicitly stated as total)
Year-over-Year Change in Non-Interest Expense	Decrease of $1.8 million	Increase in Income Tax Expense of $3.8 million (vs Q3 2024)
Provision for Credit Losses	$2.9 million (Decrease of $2.3 million vs Q1 2024)	$2.3 million (Decrease of $1.8 million vs Q3 2024)
Interest Expense on Deposits (YoY Change)	Increase of $1.7 million	Decrease of $2.6 million
Interest Expense on Borrowings (YoY Change)	Decrease of $6.3 million	Decrease of $5.0 million

The focus on reducing funding costs is clear, as seen in the year-to-date figures for the nine months ended September 30, 2025, where interest expense on borrowings decreased by $17.2 million. Finance: draft 13-week cash view by Friday.

Columbia Financial, Inc. (CLBK) - Canvas Business Model: Revenue Streams

The revenue streams for Columbia Financial, Inc. (CLBK) are fundamentally driven by its core banking activities, centered on earning interest from its assets and generating non-interest income through various service charges and fees.

Net Interest Income (NII) remains the primary component. For the third quarter ended September 30, 2025, Columbia Financial, Inc. reported NII of $57.4 million. This represented a significant year-over-year increase of 26.7% from $45.3 million in Q3 2024. The net interest margin (NIM) for Q3 2025 expanded to 2.29%, a 45 basis point increase from the prior year quarter.

Interest income is generated from a substantial asset base, primarily the loan portfolio and debt securities. While the prompt referenced an $8.0 billion loan portfolio for Q1 2025, the actual reported gross loans and leases for Columbia Financial, Inc. at the end of Q1 2025 (March 31, 2025) totaled $37.6 billion. The average yield on loans for Q3 2025 was 5.04%. The interest income from debt securities and other investments is also a key driver, with the average yield on securities for Q3 2025 increasing to 3.41%.

Columbia Financial, Inc. also captures revenue through non-interest income sources, which include fees and service charges. For the nine months ended September 30, 2025, non-interest income saw an increase of $2.9 million compared to the same period in 2024. Loan origination and servicing fees contribute to this segment, as evidenced by an increase of $475,000 in fees related to commercial account treasury services during Q1 2025 compared to Q1 2024. Prepayment penalties, which are included in interest income on loans, totaled $767,000 for Q3 2025.

Here's a look at the key income components across the first three quarters of 2025:

Income Metric	Q1 2025 (Ended Mar 31)	Q3 2025 (Ended Sep 30)
Net Interest Income (NII)	$50.3 million	$57.4 million
Non-Interest Income	$8.5 million	$9.9 million
Prepayment Penalties (on Loans)	$257,000	$767,000

You can see the quarterly progression of the primary revenue driver in the table above. The growth in NII from Q1 to Q3 2025 is defintely a key focus area for management.

The non-interest income is sourced from several fee-based activities:

• Service charges on deposits.
• Card-based fees.
• Financial services and trust revenue.
• Residential mortgage banking revenue, net.
• Fees related to commercial account treasury services.