The increase in compensation and employee benefits expense was due to normal annual increases and an increase in the number of employees.

filing / May 11, 2026 / receipt

all; (iii) the outcome of any legal proceedings that may be instituted against the Company or Northfield; (iv) the possibility that the anticipated benefits of the proposed transaction, including anticipated cost savings and strategic gains, are not realized when expected or at all, including as a result of changes in, or problems arising from, general economic and market conditions, interest and exchange rates, mone

filing / May 11, 2026 / receipt

The Company leases real estate property for branches and office space. At March 31, 2026 and December 31, 2025, all of the Company's leases are classified as operating leases.

filing / May 11, 2026 / receipt

Klimowich was promoted to Senior Vice President, Controller in March 2002 and served Columbia Bank in that capacity until his appointment as Executive Vice President and Chief Risk Officer in 2013.

filing / Mar 6, 2026 / receipt

was appointed Executive Vice President and Chief Financial Officer of the Company and Columbia Bank in January 2026 and, prior to that time, had served as First Senior Vice President and Chief Accounting Officer of the Company and Columbia Bank since February 2025.

filing / Mar 6, 2026 / receipt

The decrease in compensation and employee benefits expense was the result of lower incentive compensation and a workforce reduction related to cost cutting strategies implemented during 2023 and 2024.

filing / Mar 6, 2026 / receipt

A key component of our business strategy is to rely on our reputation for customer service and knowledge of local markets to expand our presence by capturing new business opportunities in our market area.

filing / Mar 6, 2026 / receipt

• the possibility that the anticipated benefits of the proposed merger with Northfield, including anticipated cost savings and strategic gains, are not realized when expected or at all, including as a result of the impact of, or problems arising from, the integration of the companies or as a result of the strength of the economy, competitive factors in the areas where we do business, or as a result of other unexpecte

filing / Mar 6, 2026 / receipt

The Company's leases primarily relate to real estate property for branches and office space. All the Company's leases are classified as operating leases and the related right-of-use asset ("ROU") and lease liability are included in other assets and other liabilities , respectively on the Consolidated Statements of Financial Condition.

filing / Mar 6, 2026 / receipt