Columbia Financial, Inc. (CLBK) Balance Sheet
CLBK balance sheet, 2025
December 31, 2025 · U.S. dollars$11.02B assets = $9.86B liabilities + $1.16B equity
Both columns are drawn to the same scale: what CLBK owns equals what it owes plus shareholders’ equity. Hover a block for its value.
CLBK financial health
Descriptive bands, not a rating. Fiscal 2025.
CLBK balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $5.04B2016 | $11.02B2025 | +9.1%/yr | |
| Total liabilities | $4.60B2016 | $9.86B2025 | +8.8%/yr | |
| Shareholders’ equity | $439.7M2016 | $1.16B2025 | +11.4%/yr | |
| Cash & short-term investments | $817.5M2016 | $340.7M2025 | −9.3%/yr | |
| Total debt | $682.0M2016 | $1.18B2025 | +6.3%/yr | |
| Net cash (debt) | $135.5M2016 | −$842.8M2025 | −$978.3M | |
| Working capital | −$3.23B2016 | −$4.59B2025 | −$1.4B | |
| Book value per share | $1.722016 | $5.202025 | +13.1%/yr | |
| Debt / equity | 1.552016 | 1.022025 | −0.53 | |
| Shares outstanding | 255.0M2016 | 223.1M2025 | −1.5%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
CLBK assets
CLBK liabilities and equity
CLBK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
CLBK balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $340.7M | $1.06B | $1.52B | $1.51B | $1.77B | $1.74B | $1.17B | $1.08B | $776.1M | $817.5M |
| Cash & equivalents | $340.7M | $289.2M | $423.2M | $179.2M | $71.0M | $423.0M | $75.5M | $42.2M | $65.5M | $45.7M |
| Short-term investments | $111,000 | $772.6M | $1.09B | $1.33B | $1.70B | $1.32B | $1.10B | $1.03B | $710.6M | $771.8M |
| Receivables | $41.5M | $40.4M | $39.3M | $33.9M | $28.3M | $29.5M | $22.1M | $18.9M | $15.9M | $13.2M |
| Inventory | $0 | $0 | −$1.56B | −$213.1M | −$99.3M | −$452.4M | −$97.6M | −$1.14B | −$774.2M | −$877.6M |
| Other current assets | $0 | $0 | $1.56B | $213.1M | $99.3M | $452.4M | $97.6M | $61.2M | $774.2M | $877.6M |
| Total current assets | $382.2M | $1.10B | $1.56B | $1.54B | $1.80B | $1.77B | $1.20B | $18.9M | $792.0M | $830.6M |
| Property, plant & equipment (net) | $83.0M | $81.8M | $83.6M | $83.9M | $78.7M | $76.0M | $73.0M | $52.0M | $42.6M | $37.9M |
| Goodwill & intangible assets | $120.3M | $121.0M | $123.3M | $125.1M | $91.7M | $87.4M | $68.6M | $6.1M | $6.0M | $6.1M |
| Long-term investments | $1.53B | $1.43B | $1.50B | $1.75B | $2.14B | $1.58B | $1.39B | $1.30B | $690.1M | $771.8M |
| Other non-current assets | $8.91B | $7.75B | $7.38B | $6.90B | $5.11B | $5.28B | $5.46B | $5.32B | $4.24B | $3.39B |
| Total assets | $11.02B | $10.48B | $10.65B | $10.41B | $9.22B | $8.80B | $8.19B | $6.69B | $5.77B | $5.04B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $180.9M | $7.57B | $176.7M | $5.65B | $4.41B | $4.26B | $3.82B |
| Short-term debt | — | $500.8M | $911.2M | $680.7M | $232.9M | $500.1M | $107.8M | $159.6M | $56.0M | $177.4M |
| Total current liabilities | $4.97B | $8.10B | $7.85B | $5.80B | $5.20B | $4.63B | $5.87B | $159.6M | $4.40B | $4.06B |
| Long-term debt | $1.18B | $1.08B | $1.53B | $1.13B | $377.3M | $799.4M | $23.8M | $1.19B | $50.6M | $50.6M |
| Other long-term liabilities | $3.71B | $218.4M | $230.0M | $8.23B | $0 | $0 | $1.31B | $4.53B | $848.0M | $483.2M |
| Total liabilities | $9.86B | $9.40B | $9.61B | $9.35B | $377.3M | $799.4M | $7.21B | $5.72B | $5.29B | $4.60B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $1.3M | $1.3M | $1.3M | $1.3M | $1.2M | $1.2M | $1.2M | $1.2M | — | — |
| Retained earnings (deficit) | $933.7M | $882.0M | $893.6M | $857.5M | $765.1M | $673.1M | $615.5M | $560.2M | $537.5M | $491.0M |
| Treasury stock | — | — | — | −$371.7M | −$271.6M | −$163.0M | −$55.0M | — | — | — |
| Accumulated other comprehensive income | −$76.0M | −$110.4M | −$158.7M | −$179.3M | −$45.9M | −$69.6M | −$68.7M | −$71.9M | −$65.4M | −$51.4M |
| Total shareholders' equity | $1.16B | $1.08B | $1.04B | $1.05B | $8.85B | $8.00B | $982.5M | $972.1M | $472.1M | $439.7M |
| Key figures | ||||||||||
| Total debt | $1.18B | $1.08B | $1.53B | $1.81B | $610.2M | $1.30B | $1.41B | $1.35B | $929.1M | $682.0M |
| Net cash (debt) | −$842.8M | −$18.7M | −$11.9M | −$299.9M | $1.16B | $440.5M | −$233.1M | −$271.8M | −$153.0M | $135.5M |
| Working capital | −$4.59B | −$6.99B | −$6.29B | −$4.26B | −$3.40B | −$2.86B | −$4.68B | −$140.7M | −$3.60B | −$3.23B |
| Tangible book value | $1.04B | $959.4M | $917.0M | $928.5M | $8.76B | $7.91B | $913.9M | $966.0M | $466.1M | $433.5M |
| Book value per share | $5.20 | $4.82 | $4.60 | $9.92 | $84.94 | $72.88 | $4.02 | $8.73 | $1.85 | $1.72 |
| Shares outstanding | 223.1M | 224.0M | 226.4M | 106.2M | 104.2M | 109.8M | 244.4M | 111.4M | 255.0M | 255.0M |
| Current ratio | 0.08 | 0.14 | 0.20 | 0.27 | 0.35 | 0.38 | 0.20 | 0.12 | 0.18 | 0.20 |
| Quick ratio | 0.08 | 0.14 | 0.20 | 0.27 | 0.35 | 0.38 | 0.20 | 6.87 | 0.18 | 0.20 |
| Debt / equity | 1.02 | 1.00 | 1.47 | 1.72 | 0.07 | 0.16 | 1.43 | 1.39 | 1.97 | 1.55 |
| Equity / assets | 10.5% | 10.3% | 9.8% | 10.1% | 95.9% | 90.9% | 12.0% | 14.5% | 8.2% | 8.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $1.09B | $276.9M | $340.7M | $1.05B | $1.01B | $1.06B | $1.06B | $1.56B | $1.65B | $1.56B | $1.52B | $1.22B |
| Cash & equivalents | $1.09B | $276.8M | $340.7M | $253.4M | $248.2M | $256.1M | $289.2M | $283.5M | $391.1M | $373.5M | $423.2M | $204.5M |
| Short-term investments | — | $112,000 | $111,000 | $793.2M | $764.3M | $802.5M | $772.6M | $1.27B | $1.26B | $1.19B | $1.09B | $1.02B |
| Receivables | $42.4M | $41.8M | $41.5M | $42.2M | $41.2M | $41.9M | $40.4M | $41.7M | $41.3M | $41.6M | $39.3M | $37.0M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$8.12B | −$8.19B | −$8.18B | −$1.56B | −$278.5M |
| Other current assets | $0 | $8.19B | $0 | $0 | $0 | $0 | $0 | $8.12B | $8.19B | $8.18B | $1.56B | $278.5M |
| Total current assets | $1.13B | $8.51B | $382.2M | $1.09B | $1.05B | $1.10B | $1.10B | $1.60B | $1.70B | $1.60B | $1.56B | $1.26B |
| Property, plant & equipment (net) | $82.8M | $82.6M | $83.0M | $82.8M | $82.2M | $82.6M | $81.8M | $82.2M | $82.5M | $83.2M | $83.6M | $83.3M |
| Goodwill & intangible assets | $119.1M | $239.4M | $120.3M | $120.9M | $120.0M | $120.5M | $121.0M | $121.6M | $232.8M | $122.7M | $123.3M | $123.9M |
| Long-term investments | $0 | $1.58B | $1.53B | $1.49B | $1.47B | $1.49B | $1.43B | $1.68B | $1.68B | $1.59B | $1.50B | $1.43B |
| Other non-current assets | $10.84B | $596.5M | $8.91B | $8.08B | $8.02B | $7.82B | $7.75B | $7.21B | $7.07B | $7.24B | $7.38B | $7.42B |
| Total assets | $12.17B | $11.01B | $11.02B | $10.86B | $10.74B | $10.61B | $10.48B | $10.69B | $10.76B | $10.64B | $10.65B | $10.32B |
| Liabilities | ||||||||||||
| Short-term debt | — | $3.7M | — | — | — | $3.5M | $500.8M | $1.1M | $2.3M | $3.3M | $911.2M | $1.1M |
| Total current liabilities | $2.6M | $3.7M | $4.97B | $8.24B | $8.14B | $8.19B | $8.10B | $7.96B | $7.78B | $7.83B | $7.85B | $7.70B |
| Long-term debt | $0 | $1.24B | $1.18B | $1.26B | $1.27B | $1.11B | $1.08B | $1.42B | $1.68B | $1.53B | $1.53B | $1.36B |
| Other long-term liabilities | $10.98B | $8.59B | $3.71B | $211.1M | $210.3M | $205.0M | $218.4M | $228.7M | $251.4M | $239.7M | $230.0M | $256.7M |
| Total liabilities | $10.98B | $9.84B | $9.86B | $9.71B | $9.62B | $9.51B | $9.40B | $9.61B | $9.72B | $9.60B | $9.61B | $9.32B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M | $1.3M |
| Retained earnings (deficit) | $961.3M | $946.8M | $933.7M | $918.0M | $903.2M | $890.9M | $882.0M | $903.2M | $897.0M | $892.4M | $893.6M | $887.0M |
| Accumulated other comprehensive income | −$69.4M | −$77.9M | −$76.0M | −$88.9M | −$95.1M | −$101.0M | −$110.4M | −$131.0M | −$155.5M | −$160.8M | −$158.7M | −$184.5M |
| Total shareholders' equity | $1.20B | $1.17B | $1.16B | $1.14B | $1.12B | $1.10B | $1.08B | $1.08B | $1.05B | $1.04B | $1.04B | $1.01B |
| Key figures | ||||||||||||
| Total debt | $1.22B | $1.24B | $1.18B | $1.26B | $1.27B | $1.11B | $1.08B | $1.42B | $1.68B | $1.53B | $1.53B | $1.36B |
| Net cash (debt) | −$128.9M | −$966.5M | −$842.8M | −$216.9M | −$260.1M | −$49.0M | −$18.7M | $135.3M | −$29.3M | $30.5M | −$11.9M | −$133.4M |
| Working capital | $1.13B | $8.51B | −$4.59B | −$7.15B | −$7.08B | −$7.09B | −$6.99B | −$6.36B | −$6.09B | −$6.23B | −$6.29B | −$6.44B |
| Tangible book value | $1.08B | $934.4M | $1.04B | $1.02B | $1.00B | $979.9M | $959.4M | $957.6M | $813.9M | $915.3M | $917.0M | $883.5M |
| Book value per share | $5.36 | $5.26 | $5.20 | $5.08 | $5.00 | $4.91 | $4.82 | $4.82 | $4.68 | $4.64 | $4.64 | $4.49 |
| Shares outstanding | 223.2M | 223.2M | 223.1M | 224.5M | 224.2M | 224.0M | 224.0M | 224.0M | 223.6M | 223.8M | 224.0M | 224.6M |
| Current ratio | 435.71 | 2,312.41 | 0.08 | 0.13 | 0.13 | 0.13 | 0.14 | 0.20 | 0.22 | 0.20 | 0.20 | 0.16 |
| Quick ratio | 435.71 | 86.62 | 0.08 | 0.13 | 0.13 | 0.13 | 0.14 | 0.20 | 0.22 | 0.20 | 0.20 | 0.16 |
| Debt / equity | 1.02 | 1.06 | 1.02 | 1.11 | 1.14 | 1.01 | 1.00 | 1.32 | 1.61 | 1.47 | 1.47 | 1.35 |
| Equity / assets | 9.8% | 10.7% | 10.5% | 10.5% | 10.4% | 10.4% | 10.3% | 10.1% | 9.7% | 9.8% | 9.8% | 9.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 6, 2026); data from EODHD.
CLBK financial position
At the end of fiscal 2025 (December 31, 2025), Columbia Financial had total assets of $11.0 billion (up 5.2% from a year earlier), total liabilities of $9.9 billion and shareholders' equity of $1.2 billion. It held $340.7 million in cash and short-term investments against $1.2 billion of debt, net debt of $842.8 million. Its current ratio was 0.08. In the latest quarter (ended June 30, 2026) total assets were $12.2 billion and equity $1.2 billion.
Related: CLBK income statement, CLBK cash flow statement, CLBK key metrics. See the CLBK stock overview for the latest quote and news.
CLBK balance sheet FAQ
What are Columbia Financial's total assets?
Columbia Financial reported total assets of $11.0 billion at the end of fiscal 2025 (December 31, 2025), compared with $10.5 billion a year earlier.
How much debt does Columbia Financial have?
Columbia Financial had $1.2 billion of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 1.02.
How much cash does Columbia Financial have?
Columbia Financial held $340.7 million in cash and short-term investments at the end of fiscal 2025; with $1.2 billion of debt that is net debt of $842.8 million.
What is Columbia Financial's book value?
Columbia Financial's shareholders' equity (book value) was $1.2 billion at the end of fiscal 2025, or $5.20 per share.
What is Columbia Financial's current ratio?
Columbia Financial had current assets of $382.2 million and current liabilities of $5.0 billion, a current ratio of 0.08 (current liabilities exceed current assets).
How much goodwill does Columbia Financial have?
Columbia Financial carried $120.3 million of goodwill and intangible assets, 1.1% of total assets, at the end of fiscal 2025.