Columbia Financial, Inc. is a bank holding company that operates through its subsidiary, Columbia Bank (The Bank). Columbia Bank is a federally chartered stock savings bank that provides banking products and services. As of December 5, 2017, the Bank operated 47 full-service banking offices in ten of New Jersey’s 21 counties. In addition, First Jersey Title Services, Inc., a wholly owned subsidiary of Columbia Bank, operates in one of the Bank’s offices in Fair Lawn, New Jersey. The Bank also offer title insurance through its wholly owned subsidiary, First Jersey Title Services, Inc. Wealth management services are offered through a third party relationship. The Company’s operations are solely in the financial services industry and include providing traditional banking and other financial services to its customers. The Bank offers a variety of loans, including commercial real estate and multifamily loans, commercial business loans, and construction loans.