Columbia Financial (CLBK) 10-K 1 Mar 22 2021 FY Annual report Financial data

Cover Page

Cover Page - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Feb. 22, 2022	Jun. 30, 2021
Cover [Abstract]
Document Type	10-K
Document Period End Date	Dec. 31, 2021
Document Annual Report	true
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	001-38456
Entity Registrant Name	COLUMBIA FINANCIAL, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	22-3504946
Entity Address, Address Line One	19-01 Route 208 North,
Entity Address, City or Town	Fair Lawn,
Entity Address, State or Province	NJ
Entity Address, Postal Zip Code	07410
City Area Code	800
Local Phone Number	522-4167
Title of 12(b) Security	Common stock, par value $0.01 per share
Trading Symbol	CLBK
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Filer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 590.4
Entity Common Stock, Shares Outstanding (in shares)		106,701,453
Documents Incorporated by Reference	NONE
Entity Central Index Key	0001723596
Document Fiscal Year Focus	2021
Document Fiscal Period	FY
Amendment Flag	false

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2021
Audit Information [Abstract]
Auditor Name	KPMG LLP
Auditor Firm ID	185
Auditor Location	Short Hills, New Jersey

Consolidated Statements of Fina

Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 70,702	$ 422,787
Short-term investments	261	170
Total cash and cash equivalents	70,963	422,957
Debt securities available for sale, at fair value	1,703,847	1,316,952
Debt securities held to maturity, at amortized cost (fair value of $434,789 and $277,091 at December 31, 2021 and 2020, respectively)	429,734	262,720
Equity securities, at fair value	2,710	5,418
Federal Home Loan Bank stock	23,141	43,759
Loans held-for-sale, at fair value	0	4,146
Loans receivable	6,360,601	6,181,770
Less: allowance for credit losses	62,689	74,676
Loans receivable, net	6,297,912	6,107,094
Accrued interest receivable	28,300	29,456
Office properties and equipment, net	78,708	75,974
Bank-owned life insurance ("BOLI")	247,474	232,824
Goodwill and intangible assets	91,693	87,384
Other assets	249,615	209,852
Total assets	9,224,097	8,798,536
Liabilities:
Deposits	7,570,216	6,778,624
Borrowings	377,309	799,364
Advance payments by borrowers for taxes and insurance	36,471	32,570
Accrued expenses and other liabilities	161,020	176,691
Total liabilities	8,145,016	7,787,249
Stockholders' equity:
Preferred stock, $0.01 par value. 10,000,000 shares authorized; none issued and outstanding at December 31, 2021 and 2020	0	0
Common stock, $0.01 par value. 500,000,000 shares authorized; 124,630,738 shares issued and 107,442,453 shares outstanding at December 31, 2021, and 122,037,793 shares issued and 110,939,753 shares outstanding at December 31, 2020	1,246	1,220
Additional paid-in capital	667,906	609,531
Retained earnings	765,133	673,084
Accumulated other comprehensive loss	(45,919)	(69,625)
Treasury stock, at cost; 17,188,285 shares at December 31, 2021 and 11,098,040 shares at December 31, 2020	(271,647)	(163,015)
Common stock held by the Employee Stock Ownership Plan	(37,026)	(39,293)
Stock held by Rabbi Trust	(2,425)	(1,875)
Deferred compensation obligations	1,813	1,260
Total stockholders' equity	1,079,081	1,011,287
Total liabilities and stockholders' equity	$ 9,224,097	$ 8,798,536

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Debt securities held to maturity	$ 434,789	$ 277,091
Stockholders' equity:
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	10,000,000	10,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	500,000,000	500,000,000
Common stock, shares issued (in shares)	124,630,738	122,037,793
Common stock, shares outstanding (in shares)	107,442,453	110,939,753
Treasury stock, shares (in shares)	17,188,285	11,098,040

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest income:
Loans receivable	$ 228,841	$ 255,236	$ 217,774
Debt securities available for sale and equity securities	30,211	28,376	30,938
Debt securities held to maturity	8,632	8,025	8,180
Federal funds and interest-earning deposits	430	413	594
Federal Home Loan Bank stock dividends	2,036	3,661	3,597
Total interest income	270,150	295,711	261,083
Interest expense:
Deposits	29,109	55,246	61,551
Borrowings	7,907	18,892	27,161
Total interest expense	37,016	74,138	88,712
Net interest income	233,134	221,573	172,371
(Reversal of) provision for loan losses	(9,953)	18,447	4,224
Net interest income after (reversal of) provision for loan losses	243,087	203,126	168,147
Non-interest income:
Bank-owned life insurance	5,994	6,620	5,846
Gain on securities transactions	2,025	370	2,612
Change in fair value of equity securities	(1,792)	767	305
Gain on sale of loans	10,790	5,444	785
Other non-interest income	8,940	6,983	5,922
Total non-interest income (loss)	38,831	31,270	31,636
Non-interest expense:
Compensation and employee benefits	99,534	100,687	84,256
Occupancy	20,071	19,170	16,180
Federal deposit insurance premiums	2,374	1,901	895
Advertising	2,358	2,641	3,932
Professional fees	7,363	5,810	5,913
Data processing and software expenses	11,497	10,285	8,670
Merger-related expenses	822	1,931	2,755
Loss on extinguishment of debt	2,851	1,158	0
Other non-interest expense	8,867	14,556	6,100
Total non-interest expense	155,737	158,139	128,701
Income before income tax expense	126,181	76,257	71,082
Income tax expense	34,132	18,654	16,365
Net income	$ 92,049	$ 57,603	$ 54,717
Earnings per share - basic (in dollars per share)	$ 0.88	$ 0.52	$ 0.49
Earnings per share - diluted (in dollars per share)	$ 0.88	$ 0.52	$ 0.49
Weighted average shares outstanding - basic (in shares)	104,156,112	109,755,924	111,101,246
Weighted average shares outstanding - diluted (in shares)	104,156,112	109,755,924	111,101,246
Demand deposit account fees
Non-interest income:
Revenue	$ 3,803	$ 3,633	$ 4,478
Title insurance fees
Non-interest income:
Revenue	6,088	5,034	4,981
Loan fees and service charges
Non-interest income:
Revenue	$ 2,983	$ 2,419	$ 6,707

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Comprehensive Income [Abstract]
Net income	$ 92,049	$ 57,603	$ 54,717
Other comprehensive income (loss), net of tax:
Unrealized (loss) gain on debt securities available for sale	(30,979)	21,236	21,067
Accretion of unrealized (loss) gain on debt securities reclassified as held to maturity	(3)	126	9
Reclassification adjustment for gain included in net income	1,598	289	2,011
Total other comprehensive (loss) income, available-for-sale securities and held-to-maturity adjustments, net of tax	(29,384)	21,651	23,087
Derivatives, net of tax:
Unrealized gain (loss) on swap contracts accounted for as cash flow hedges	11,939	(8,382)	(6,468)
Total derivative, net of tax	11,939	(8,382)	(6,468)
Employee benefit plans, net of tax:
Amortization of prior service cost included in net income	(39)	(44)	(44)
Reclassification adjustment of actuarial net (loss) included in net income	(2,915)	(3,384)	(2,930)
Change in funded status of retirement obligations	44,105	(10,731)	(9,935)
Total employee benefit plans, net of tax	41,151	(14,159)	(12,909)
Total other comprehensive income (loss)	23,706	(890)	3,710
Total comprehensive income, net of tax	$ 115,755	$ 56,713	$ 58,427

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Total	Cumulative Effect, Period of Adoption, Adjustment	Cumulative Effect, Period of Adoption, Adjusted Balance	Common Stock	Common StockCumulative Effect, Period of Adoption, Adjusted Balance	Additional Paid-in-Capital	Additional Paid-in-CapitalCumulative Effect, Period of Adoption, Adjusted Balance	Retained Earnings	Retained EarningsCumulative Effect, Period of Adoption, Adjustment	Retained EarningsCumulative Effect, Period of Adoption, Adjusted Balance	Accumulated Other Comprehensive (Loss)	Accumulated Other Comprehensive (Loss)Cumulative Effect, Period of Adoption, Adjustment	Accumulated Other Comprehensive (Loss)Cumulative Effect, Period of Adoption, Adjusted Balance	Treasury Stock	Treasury StockCumulative Effect, Period of Adoption, Adjusted Balance	Common Stock Held by the Employee Stock Ownership Plan	Common Stock Held by the Employee Stock Ownership PlanCumulative Effect, Period of Adoption, Adjusted Balance	Stock Held by Rabbi Trust	Stock Held by Rabbi TrustCumulative Effect, Period of Adoption, Adjusted Balance	Deferred Compensation Obligations	Deferred Compensation ObligationsCumulative Effect, Period of Adoption, Adjusted Balance
Balance at beginning of period at Dec. 31, 2018	$ 972,060	$ 0	$ 972,060	$ 1,159	$ 1,159	$ 527,037	$ 527,037	$ 560,216	$ 548	$ 560,764	$ (71,897)	$ (548)	$ (72,445)	$ 0	$ 0	$ (43,835)	$ (43,835)	$ (1,259)	$ (1,259)	$ 639	$ 639
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	54,717							54,717
Other comprehensive loss	3,710										3,710
Issuance of common stock	14			14
Treasury stock allocated to restricted stock award grants	0					(1,095)								1,095
Stock based compensation	3,694					3,694
Purchase of treasury stock shares	(55,309)													(55,309)
Restricted stock forfeitures	0					736								(736)
Employee Stock Ownership Plan shares committed to be released	3,566					1,295										2,271
Funding of deferred compensation obligations	65																	(261)		326
Balance at end of year at Dec. 31, 2019	982,517			1,173		531,667		615,481			(68,735)			(54,950)		(41,564)		(1,520)		965
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	57,603							57,603
Other comprehensive loss	(890)										(890)
Issuance of common stock	68,530			47		68,483
Treasury stock allocated to restricted stock award grants	0					(481)								481
Stock based compensation	8,790					8,790
Purchase of treasury stock shares	(108,166)													(108,166)
Restricted stock forfeitures	(24)					175								(199)
Repurchase shares for taxes	(174)					7								(181)
Employee Stock Ownership Plan shares committed to be released	3,161					890										2,271
Funding of deferred compensation obligations	(60)																	(355)		295
Balance at end of year at Dec. 31, 2020	1,011,287			1,220		609,531		673,084			(69,625)			(163,015)		(39,293)		(1,875)		1,260
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	92,049							92,049
Other comprehensive loss	23,706										23,706
Issuance of common stock	47,260			26		47,234
Treasury stock allocated to restricted stock award grants	0					(733)								733
Stock based compensation	8,880					8,880
Purchase of treasury stock shares	(107,774)													(107,774)
Exercise of stock options	(25)					(25)
Restricted stock forfeitures	0					1,234								(1,234)
Repurchase shares for taxes	(357)													(357)
Employee Stock Ownership Plan shares committed to be released	4,052					1,785										2,267
Funding of deferred compensation obligations	3																	(550)		553
Balance at end of year at Dec. 31, 2021	$ 1,079,081			$ 1,246		$ 667,906		$ 765,133			$ (45,919)			$ (271,647)		$ (37,026)		$ (2,425)		$ 1,813

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Stockholders' Equity [Abstract]
Issuance of common stock (in shares)	2,591,007	4,759,048	1,464,243
Treasury stock, shares purchased (in shares)	6,055,119	7,587,142	3,543,800
Exercises in period (in shares)	28,522	0	0
Restricted stock, shares forfeited (in shares)	65,509	17,247	44,231
Repurchased shares for taxes (in shares)	19,820	13,453

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities:
Net income	$ 92,049,000	$ 57,603,000	$ 54,717,000
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of deferred loan fees, costs, and purchased premiums and discounts	2,121,000	(1,464,000)	1,205,000
Net amortization of premiums and discounts on securities	4,482,000	2,508,000	1,160,000
Net amortization of mortgage servicing rights	266,000	130,000	(109,000)
Amortization of intangible assets	1,025,000	1,048,000	222,000
Depreciation and amortization of office properties and equipment	6,718,000	6,543,000	4,880,000
Amortization of operating lease right-of-use assets	3,633,000	2,641,000	0
Loss on extinguishment of debt	2,851,000	1,158,000	0
(Reversal of) provision for loan losses	(9,953,000)	18,447,000	4,224,000
Gain on securities transactions	(2,025,000)	(370,000)	(2,612,000)
Change in fair value of equity securities	1,792,000	(767,000)	(305,000)
Gain on securitizations	(2,259,000)	(3,544,000)	0
Gain on sale of loans	(8,531,000)	(1,900,000)	(785,000)
Loss on real estate owned	0	0	1,000
Loss on disposal of office properties and equipment	95,000	734,000	3,000
Loss on write-down of office properties and equipment	0	114,000	0
Loss on write-down of mortgage servicing rights	0	75,000	0
Deferred tax expense	17,709,000	9,738,000	7,527,000
Decrease (increase) in accrued interest receivable	2,023,000	(6,685,000)	(959,000)
(Increase) in other assets	(22,159,000)	(75,127,000)	(51,856,000)
(Decrease) increase in accrued expenses and other liabilities	1,926,000	32,891,000	3,032,000
Income on bank-owned life insurance	(5,994,000)	(6,620,000)	(5,846,000)
Employee stock ownership plan expense	4,052,000	3,161,000	3,566,000
Stock based compensation	8,880,000	8,790,000	3,694,000
Increase (decrease) in deferred compensation obligations under Rabbi Trust	3,000	(60,000)	65,000
Net cash provided by operating activities	98,704,000	49,044,000	21,824,000
Cash flows from investing activities:
Proceeds from sales of debt securities available for sale	90,339,000	20,761,000	65,198,000
Proceeds from sales of equity securities	1,390,000	0	1,065,000
Proceeds from paydown/maturities/calls of debt securities available for sale	368,249,000	247,908,000	149,683,000
Proceeds from paydown/maturities/calls of debt securities held to maturity	36,103,000	48,640,000	46,133,000
Purchases of debt securities available for sale	(667,015,000)	(292,809,000)	(176,171,000)
Purchases of debt securities held to maturity	(203,779,000)	(12,815,000)	(70,126,000)
Purchases of equity securities	(91,000)	0	(416,000)
Proceeds from sales of loans held-for-sale	302,039,000	111,764,000	101,946,000
Proceeds from sales of loans receivable	0	35,613,000	11,671,000
Purchases of loans receivable	(85,382,000)	0	(89,774,000)
Net increase in loans receivable	(325,917,000)	(80,498,000)	(503,772,000)
Proceeds from bank-owned life insurance death benefits	5,000	627,000	1,015,000
Proceeds from redemptions of Federal Home Loan Bank stock	28,448,000	50,374,000	72,871,000
Purchases of Federal Home Loan Bank stock	(4,798,000)	(22,544,000)	(79,796,000)
Proceeds from sales of office properties and equipment	1,879,000	0	0
Additions to office properties and equipment	(5,492,000)	(4,624,000)	(19,344,000)
Proceeds from sales of real estate owned	0	0	91,000
Net cash acquired in acquisitions	20,417,000	155,248,000	(31,288,000)
Net cash (used in) provided by investing activities	(443,605,000)	257,645,000	(521,014,000)
Cash flows from financing activities:
Net increase in deposits	581,475,000	799,548,000	449,270,000
Proceeds from long-term borrowings	37,120,000	90,000,000	140,000,000
Payments on long-term borrowings	(306,752,000)	(343,939,000)	(230,000,000)
Net (decrease) increase in short-term borrowings	(244,027,000)	(376,005,000)	225,081,000
Proceeds from term note	29,841,000	0	0
Payments of subordinated debt and trust preferred securities	0	(16,600,000)	0
Increase (decrease) in advance payments by borrowers for taxes and insurance	3,406,000	(3,919,000)	3,121,000
Issuance of common stock	0	0	14,000
Purchase of treasury stock	(107,774,000)	(108,166,000)	(55,309,000)
Exercise of options	(25,000)	0	0
Restricted stock forfeitures	0	(24,000)	(736,000)
Repurchase of shares for taxes	(357,000)	(174,000)	0
Issuance of treasury stock allocated to restricted stock award grants	0	0	1,095,000
Net cash (used in) provided by financing activities	(7,093,000)	40,721,000	532,536,000
Net (decrease) increase in cash and cash equivalents	(351,994,000)	347,410,000	33,346,000
Cash and cash equivalents at beginning of year	422,957,000	75,547,000	42,201,000
Cash and cash equivalents at end of year	70,963,000	422,957,000	75,547,000
Cash paid during the period for:
Interest on deposits and borrowings	37,906,000	75,557,000	87,370,000
Income tax payments, net of (refunds)	16,262,000	10,526,000	(2,893,000)
Non-cash investing and financing activities:
Transfer of loans receivable to loans held-for-sale	289,362,000	114,171,000	93,147,000
Securitization of loans	99,603,000	117,259,000	21,615,000
Initial recognition of operating lease right-of-use asset	0	22,218,000	0
Initial recognition of operating lease liabilities	0	23,290,000	0
Non-cash assets acquired:
Debt securities available for sale	118,017,000	51,479,000	51,710,000
Debt securities held to maturity	0	13,418,000	0
Equity securities	0	1,796,000	1,073,000
Federal Home Loan Bank stock	3,032,000	2,010,000	3,716,000
Loans receivable	158,912,000	171,593,000	757,223,000
Accrued interest receivable	867,000	679,000	2,239,000
Office properties and equipment, net	5,934,000	5,774,000	6,815,000
Bank-owned life insurance	8,661,000	17,245,000	22,096,000
Core deposit and other intangibles	42,000	0	7,467,000
Other assets	616,000	7,964,000	4,301,000
Total non-cash assets acquired	296,081,000	271,958,000	856,640,000
Liabilities assumed:
Deposits	210,117,000	333,234,000	782,698,000
Borrowings	59,908,000	37,728,000	82,761,000
Advance payments by borrowers for taxes and insurance	495,000	982,000	356,000
Accrued expenses and other liabilities	4,822,000	5,400,000	14,584,000
Total liabilities assumed	275,342,000	377,344,000	880,399,000
Net non-cash assets acquired (liabilities assumed)	20,739,000	(105,386,000)	(23,759,000)
Net cash and cash equivalents acquired in acquisitions	$ 20,417,000	$ 155,248,000	$ 105,006,000

Business

Business	12 Months Ended
	Dec. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Business	Business On November 1, 2019, the Company completed its acquisition of Stewardship Financial Corporation ("Stewardship"), pursuant to the Agreement and Plan of Merger, dated as of June 6, 2019 (the "Merger Agreement"), by and among Columbia Financial, Broadway Acquisition Corp. (a wholly owned subsidiary of Columbia Financial) and Stewardship. Under the terms of the merger agreement, each outstanding share of Stewardship common stock was converted into the right to received $15.75 in cash at the effective time of the merger. The aggregate merger consideration paid was $136.3 million. On April 1, 2020, the Company completed its acquisition of RSB Bancorp, MHC, RSB Bancorp, Inc. and Roselle Bank (collectively, the "Roselle Entities" or "Roselle"). Pursuant to the terms of the Merger Agreement, RSB Bancorp, MHC merged with and into the MHC, with the MHC as the surviving entity; RSB Bancorp, Inc. merged with and into Columbia Financial, with Columbia Financial as the surviving entity; and Roselle Bank merged with and into the Bank, with the Bank as the surviving institution. Under the terms of the merger agreement, depositors of Roselle Bank became depositors of the Bank and have the same rights and privileges in the MHC as if their accounts had been established at the Bank on the date established at Roselle Bank. The Company issued 4,759,048 shares of its common stock to the MHC, representing an amount equal to the fair value of the Roselle Entities as determined by an independent appraiser, at the effective time of the merger.

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies Principles of Consolidation The accompanying consolidated financial statements include the accounts of Columbia Financial, Inc., its wholly-owned subsidiaries, Columbia Bank ("Columbia") and Freehold Bank ("Freehold") and Columbia's wholly-owned subsidiaries, Columbia Investment Services, Inc., 2500 Broadway Corp. 1901 Residential Management Co. LLC, Plaza Financial Services, Inc., First Jersey Title Services, Inc., Real Estate Management Corp. LLC, 1901 Commercial Management Co. LLC, Stewardship Realty LLC, and CSB Realty Corp., and Freehold's wholly-owned inactive subsidiary, Freehold S & L Service Corporation (collectively, the “Company”). The accounts of the MHC are not consolidated in the consolidated financial statements of the Company. In consolidation, all intercompany accounts and transactions are eliminated. Certain reclassifications have been made in the consolidated financial statements to conform with current year classifications. The Bank's wholly owned subsidiary, Stewardship Realty, LLC, incorporated as a New Jersey corporation in 2005 was acquired in the Company's merger with Stewardship in November 2019. It is a service corporation originally organized to hold and manage property in Midland Park which was previously occupied by Atlantic Stewardship Bank. The Company also owns 100% of the common stock of Stewardship Statutory Trust I, which is a trust incorporated in Delaware which was also acquired in the Company's merger with Stewardship in November 2019. In accordance with ASC Topic 810, Consolidation , this Trust was classified as a variable interest entity and did not satisfy the conditions for consolidation. Accordingly, this Trust, which owns $7.0 million of trust preferred securities, which represents 100% of the assets, is treated as an unconsolidated subsidiary. (2) Summary of Significant Accounting Policies (continued) Basis of Financial Statement Presentation The consolidated financial statements of the Company have been prepared in conformity with accounting principles generally accepted in the United States of America (“GAAP”), including the elimination of all significant intercompany accounts and transactions during consolidation. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the dates of the Consolidated Statements of Financial Condition, and Consolidated Statements of Income for the periods presented. Material estimates that are particularly susceptible to change are the determination of the adequacy of the allowance for credit losses, evaluation of goodwill for impairment, evaluation of other-than-temporary impairment on securities, evaluation of the need for valuation allowances on deferred tax assets, and determination of liabilities related to retirement and other post-retirement benefits, among others. These estimates and assumptions are based on management’s best estimates and judgment. Management evaluates its estimates and assumptions on an ongoing basis using historical experience and other factors, including the current economic environment, which management believes to be reasonable under the circumstances. Such estimates and assumptions are adjusted when facts and circumstances dictate. Illiquid credit markets, volatile securities markets, and declines in the housing market and the economy generally have combined to increase the uncertainty inherent in such estimates and assumptions. Actual results could differ from these estimates. Changes in estimates resulting from continuing changes in the economic environment will be reflected in the consolidated financial statements in future periods. Cash and Cash Equivalents Cash and cash equivalents include cash on hand, amounts due from banks and interest-bearing deposits at other financial institutions and short-term investments. Securities Securities are classified as available for sale and held to maturity. Management determines the appropriate classification of securities at the time of purchase. Securities that management has the positive intent and ability to hold to maturity are classified as held to maturity and reported at amortized cost. Securities not classified as held to maturity are classified as available for sale and carried at estimated fair value, with unrealized holding gains or losses, net of taxes, reported as a separate component of accumulated other comprehensive income or loss ("OCI") included in stockholders' equity. The fair values of these securities are based on market quotations or matrix pricing as discussed in note 17. The Company evaluates securities for other-than-temporary impairment at each reporting period and more frequently when economic or market conditions warrant such evaluation. In this evaluation, if such declines were deemed other-than temporary, management would measure the total credit-related component of the unrealized loss, and recognize that portion of the loss as a charge to current period earnings. The remaining portion of the unrealized loss would be recognized as an adjustment to OCI. The fair value of the securities portfolio is significantly affected by changes in interest rates. In general, as interest rates rise, the fair value of fixed-rate securities decreases and as interest rates fall, the fair value of fixed-rate securities increases. The Company determines if it has the intent to sell securities or if it more likely than not that the Company would be required to sell the securities before the anticipated recovery. If either exists, the decline in value is considered other-than-temporary and would be recognized in current period earnings. Premiums and discounts on securities are generally amortized and accreted to income over the contractual lives of the securities using the level-yield method. Premiums on callable securities are amortized to the earliest call date. Dividend and interest income are recognized when earned. Realized gains and losses are recognized when securities are sold or called based on the specific identification method. In the ordinary course of business, securities are pledged as collateral in conjunction with the Company’s borrowings, lines of credit, and public funds on deposit. (2) Summary of Significant Accounting Policies (continued) Federal Home Loan Bank Stock The Banks, as members of the Federal Home Loan Bank of New York (the "FHLB"), are required to hold shares of capital stock of the FHLB based on its activities, primarily its outstanding borrowings. The investment is carried at cost, or par value, which approximates fair value. Cash dividends are reported as income. Loans Held-for-Sale Loans held-for-sale consists of loans intended for sale in the secondary market. These loans are carried at the lower of cost or estimated fair value, less costs to sell, as determined on an individual loan basis. Net unrealized losses, if any, are recognized in a valuation allowance through a charge to earnings. Origination fees and costs on loans held-for-sale are deferred and recognized on settlement dates as a component of the gain or loss on sale. Loans held-for-sale are generally sold with loan servicing rights retained by the Columbia Bank. Loans Receivable Loans receivable are carried at unpaid principal balances adjusted by unamortized premiums and unearned discounts, net deferred origination fees and costs less the allowance for loan losses. The Company defers loan origination fees and certain direct loan origination costs and accretes such amounts as an adjustment to the yield over the expected lives of the related loans using the level-yield method. Interest income on loans is accrued and credited to income as earned. Premiums and discounts on loans purchased are amortized or accreted as an adjustment to yield over the contractual lives of the related loans using methodologies which approximate the level-yield method. A loan is considered delinquent when payment has not been received within 30 days of its contractual due date. Generally, a loan in designated as a non-accrual loan when the payment of interest is 90 days or more in arrears of its contractual due date. When a loan is placed on non-accrual status, any interest accrued but not received is reversed against interest income. Payments received on a non-accrual loan are either applied to the outstanding principal balance or recorded as interest income, depending on an assessment of the ability to collect the loan. Non-accruing loans are returned to accrual status after there has been a sustained period of repayment performance (generally six consecutive months of payment) and both principal and interest are deemed collectible. The Company identifies loans which may need to be charged-off as a loss, by reviewing all delinquent loans, classified loans and other loans that management may have concerns about collectability. An impaired loan is defined as a loan for which it is probable, based on current information, that the Company will not collect all amounts due under the contractual terms of the loan agreement. The Company considers the population of loans in its impairment analysis to include all multifamily and commercial real estate, construction, and commercial business loans with an outstanding balance greater than $500,000 and not accruing interest, and loans modified in a troubled debt restructuring. The Company also considers residential real estate, and home equity loans and advances that are not accruing or modified in a troubled debt restructuring for impairment. Other loans may be included in the population of loans in its impairment analysis if management has specific information of a collateral shortfall. Loan impairment is measured based on the present value of expected future cash flows discounted at the loan's effective interest rate or, as a practical expedient, at the loan's observable market price or the fair value of the collateral if the loan is collateral dependent. Payments received on impaired loans are recognized on a cash basis. Purchased Credit-Impaired ("PCI") Loans Purchased credit impaired loans are loans acquired through acquisitions at a discount primarily due to deteriorated credit quality. PCI loans are recorded at fair value at the date of acquisition, based upon the present value of expected future cash flows, with no carryover of the related allowance for credit losses. Determining the fair value of the loans involves projecting the amount and timing of principal and/or interest cash flows expected to be collected on the loans discounting those cash flows at a market rate of interest. The excess of cash flows expected at acquisition over the estimated fair value is referred to as the accretable yield and is recognized into interest income over the remaining life of the loan. The difference between contractually required payments at acquisition and the cash flows expected to be collected at acquisition is referred to as the nonaccretable yield. The nonaccretable yield represents estimated future credit losses expected to be incurred over the life of the loan. Subsequent decreases to the expected cash flows require us to evaluate the need for an allowance for credit losses. Subsequent improvements in expected cash flows result in the reversal of a corresponding amount of the nonacretable yield which we then reclassify as accretable yield that is recognized into interest income over the remaining life of the loan using the interest method. The evaluation of the amount of future cash flows that is expected to be collected is performed in a similar manner used to determine the allowance for loan losses. Any charge-offs of principal on acquired loans would first be applied against the nonaccretable yield portion of the fair value adjustment. (2) Summary of Significant Accounting Policies (continued) Allowance for Loan Losses Losses on loans are charged to the allowance for loan losses. Additions to this allowance are made by recoveries of loans previously charged off and by a provision charged to expense. The determination of the balance of the allowance for loan losses is based on an analysis of the loan portfolio, economic conditions, historical loan loss experience and other factors that warrant recognition in providing an adequate allowance. Estimates and judgments required to establish the allowance include: overall economic environment; value of collateral; strength of guarantors; loss exposure in the event of default; the amount and timing of future cash flows on impaired loans; and determination of loss factors applied to the portfolio segments. These estimates are susceptible to significant change. Management regularly reviews loss experience within the portfolio and monitors current economic conditions and other factors related to the collectability of the loan portfolio. While management uses available information, future additions to the allowance may be necessary based on changes in economic conditions in the Company's market area. In addition, regulatory agencies, as an integral part of their examination process, periodically review the adequacy of the Company's allowance for loan losses as an integral part of their examination. Such agencies may require the Banks to recognize additions to the allowance or additional write-downs based on their judgments about information available to them at the time of their examination. Although management uses the best information available, the level of the allowance for loan losses remains an estimate that is subject to significant uncertainties. Troubled Debt Restructuring Troubled debt restructured loans are those loans where the Company has granted a concession it would not otherwise consider because of economic or legal reasons pertaining to a debtor’s financial difficulties. A concession could include a reduced interest rate below a market rate, an extension of the term of the loan, or a combination of the two methods, but generally does not result in the forgiveness of principal or accrued interest. Not all concessions granted by the Company constitute a troubled debt restructuring. Once an obligation has been restructured and designated as a troubled debt restructuring, it continues to be designed as a restructured loan until paid in full. The Company records an impairment charge equal to the difference between the present value of expected future cash flows under the restructured terms discounted at the loan’s original effective interest rate, and the loan’s carrying value. Changes in the calculated impairment due to the passage of time are recorded as an adjustment to the allowance for loan losses. Restructured loans that were accruing prior to the restructuring, where income was reasonably assured subsequent to the restructuring, maintain their accrual status. Restructured loans for which collectability was not reasonably assured are placed on non-accrual status, interest accruals cease, and uncollected accrued interest is reversed and charged against current income. Non-accruing restructured loans may be returned to accrual status when there is a sustained period of repayment performance (generally six consecutive months of payments), and both principal and interest are deemed collectible. In March 2020, various regulatory agencies, including the Board of Governors of the Federal Reserve System and the Federal Deposit Insurance Corporations issued an interagency statement on loan modifications and reporting for financial institutions working with customers affected by COVID-19. The interagency statement was effective immediately and impacted accounting for loan modifications. Section 4013 of the CARES Act, “Temporary Relief from Troubled Debt Restructurings,” allows banks to temporarily suspend certain requirements under GAAP related to TDRs for a limited period of time to account for the effects of COVID-19. The Banks each elected to account for modifications on certain loans under Section 4013 of the CARES Act or, if the loan modification was not eligible under Section 4013, used the criteria in the COVID-19 guidance to determine when the loan modification was not a TDR in accordance with ASC 310-40. Guidance noted that modification or deferral programs mandated by the federal or a state government related to COVID-19 would not be in the scope of ASC 310-40, such as a state program that requires all institutions within that state to suspend mortgage payments for a specified period. Furthermore, based on current evaluations, generally, we have continued the accrual of interest on these loans during the short-term modification period. The Consolidated Appropriations Act, 2021, which was enacted in late December 2020, extended certain provisions of the CARES Act through January 1, 2022, including provisions permitting loan deferral extension requests to not be treated as troubled debt restructurings. Loans Sold and Serviced The Company has entered into Guarantor Swaps with Freddie Mac to improve its liquidity. In these types of transactions, the Company sells mortgage loans in exchange for Freddie Mac Mortgage Participation Certificates backed exclusively by the loans sold. The Company retains the servicing of these loans. The Company also periodically sells loans to investors and continues to service such loans for a fee. Gains or losses on the sale of loans are recorded on trade date using the specific-identification method. (2) Summary of Significant Accounting Policies (continued) Office Properties and Equipment Land is carried at cost. Office properties, land and building improvements, furniture and equipment, and leasehold improvements are carried at cost, less accumulated depreciation and amortization. Depreciation and amortization of office properties and equipment is computed on a straight-line basis over their estimated useful lives (generally 40 years for buildings, 10 years to 20 years for land and building improvements, 3 years to 10 years for furniture and equipment). Leasehold improvements, carried at cost, net of accumulated depreciation, are amortized over the terms of the related leases or the estimated useful lives of the assets, whichever is shorter. Major improvements are capitalized, while repairs and maintenance costs are charged to expense as incurred. Upon retirement or sale, any gain or loss is recognized as incurred. At December 31, 2020, land and buildings included properties acquired from Stewardship with a fair value of $1.9 million which were held-for-sale. These properties were sold during the year ended December 31, 2021. Bank-owned Life Insurance ("BOLI") Bank-owned life insurance is accounted for using the cash surrender value method and is recorded at its net realizable value. The change in the net asset value is recorded as a component of non-interest income. A deferred liability has been recorded for the estimated cost of post-retirement life insurance benefits accruing to applicable employees and directors covered by an endorsement split-dollar life insurance arrangement. Goodwill and Intangible Assets Intangible assets of the Company consist of goodwill, core deposit intangibles and mortgage servicing rights. Goodwill represents the excess of the purchase price over the fair value of net assets acquired in purchase acquisitions. In accordance with GAAP, goodwill with an indefinite useful life is not amortized, but is evaluated for impairment on an annual basis, or more frequently if events or changes in circumstances indicate potential impairment between annual measurement dates. As permitted by GAAP, the Company prepares a qualitative assessment in determining whether goodwill may be impaired. The factors considered in the assessment include macroeconomic conditions, industry and market conditions and overall financial performance of the Company, among others. The Company completed its annual goodwill impairment test as of December 31, 2021 based upon its qualitative assessment of goodwill and concluded that goodwill was not impaired and no further quantitative analysis was warranted. Core deposit intangibles represent the intangible value of depositor relationships acquired by the Company through purchase acquisitions of Stewardship and Freehold. The premiums ascribed to these deposits are amortized over their estimated useful lives. Mortgage servicing rights are recorded when purchased or when originated mortgage loans are sold, with servicing rights retained. Mortgage servicing rights are amortized on an accelerated method based upon the estimated lives of the related loans, and generally adjusted for prepayments. Mortgage servicing rights are carried at the lower of amortized cost or fair value. Leases The Company determines if an arrangement is a lease at inception. 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 other liabilities ROU assets represent the Company’s right to use an underlying asset for the lease term, and lease liabilities represent the Company’s obligation to make lease payments arising from the lease arrangements. The calculated amounts of the ROU asset and lease liabilities are impacted by the length of the lease term and the discount rate used to calculate the present value of minimum lease payments. As the Company's leases do not provide an implicit rate, the discount rate used in determining the lease liability for each individual lease is the Company's incremental borrowing rate. The present value of the lease liability may include the impact of options to extend or terminate the lease when it is reasonably certain that the Company will exercise such options provided in the lease terms. Lease expense is recognized on a straight-line basis over the expected lease term. Lease agreements that include lease and non-lease components, such as common area maintenance charges, are accounted for separately. (2) Summary of Significant Accounting Policies (continued) Post-retirement Benefits The Company provides certain health care and life insurance benefits to eligible retired employees under a Post-retirement Plan, along with a split-dollar BOLI death benefit. The Company accrues the cost of retiree health care and other benefits during the employees’ period of active service. Effective January 1, 2019, the Post-retirement plan has been closed to new hires. Employee Benefit Plans Columbia Bank maintains a single-employer tax-qualified defined benefit pension plan (the "Pension Plan") which covers full-time employees that satisfy the Pension Plan eligibility requirements. Effective October 1, 2018, employees hired are not eligible to participate in the Columbia Bank's Pension Plan as the plan has been closed to new employees as of that date. The policy is to fund at least the minimum contribution required by the Employee Retirement Income Security Act of 1974. GAAP requires an employer to: (a) recognize in its statement of financial position the over-funded or under-funded status of a defined benefit post-retirement plan measured as the difference between the fair value of plan assets and the benefit obligation; (b) measure a plan’s assets and its obligations that determine its funded status at the end of the employer’s fiscal year (with limited exceptions); and (c) recognize as a component of other comprehensive income (loss), net of tax, the actuarial gains and losses and the prior service costs and credits that arise during the period. The assets of the plan are primarily invested in fixed income and equity funds. Columbia Bank has a retirement income maintenance plan (the "RIM Plan") which is a non-qualified defined benefit plan which provides benefits to all employees of the Company if their benefits under the Pension Plan are limited by the Internal Revenue Code. Columbia Bank and Freehold Bank each have a 401(k) plan covering substantially all employees. Columbia Bank may match a percentage of the first 3.00% to 4.50% contributed by participants. Columbia's matching contribution, if any, is determined by their Board of Directors in its sole discretion. Freehold does not presently match any portion of employee contribution, but may provide an annual match determined by their Board of Directors in its sole discretion. Columbia Bank has an Employee Stock Ownership Plan ("ESOP"). The funds borrowed by the ESOP from the Company to purchase the Company's common stock are being repaid from Columbia Bank's contributions over a period of 20 years. The Company's common stock not allocated to participants is recorded as a reduction of stockholders' equity at cost. Compensation expense for the ESOP is based on the average price of the Company's stock and the amount of shares committed to be allocated during each period. Columbia Bank has a Supplemental Executive Retirement Plan ("SERP"). The SERP is a non-qualified plan which provides supplemental retirement benefits to eligible officers (those designated by the Board of Directors) of the Company who are prevented from receiving the full benefits contemplated by the ESOP's benefit formulas under tax law limits for tax-qualified plans. In addition, the Company maintains a stock based deferral plan (the "Stock Based Deferral Plan") for certain executives and directors. The Company records a deferred compensation equity account and corresponding contra-equity account for the cost of the shares held by the Stock Based Deferral and SERP Plans. Columbia Bank also maintains a non-qualified savings income maintenance deferred compensation plan (the "SIM Plan") that provides supplemental benefits to certain executives who are prevented from receiving the full benefits contemplated by the 401(k) Plan under tax law limits for tax-qualified plans, and a Deferred Compensation Plan for directors. Freehold Bank also sponsors a director deferred retirement plan, a director retirement income plan, and a supplemental executive retirement plan for certain current and former directors and officers of the Bank. (2) Summary of Significant Accounting Policies (continued) Derivatives The Company uses derivative financial instruments as components of its market risk management, principally to manage interest rate risk. Certain derivatives are entered into in connection with transactions with commercial customers. Derivatives are not used for speculative purposes. All derivatives are recognized as either assets or liabilities in the Consolidated Statements of Financial Condition, reported at fair value and presented on a gross basis. Until a derivative is settled, a favorable change in fair value results in an unrealized gain that is recognized as an asset, while an unfavorable change in fair value results in an unrealized loss that is recognized as a liability. The Company generally applies hedge accounting to its derivatives used for market risk management purposes. Hedge accounting is permitted only if specific criteria are met, including a requirement that a highly effective relationship exists between the derivative instrument and the hedged item, both at inception of the hedge and on an ongoing basis. Changes in the fair value of effective fair value hedges are recognized in current earnings (with the change in fair value of the hedged asset or liability also recognized in earnings). Changes in the fair value of effective cash flow hedges are recognized in other comprehensive income (loss) until earnings are affected by the variability in cash flows of the designated hedged item. Ineffective portions of hedge results are recognized in current earnings. Changes in the fair value of derivatives for which hedge accounting is not applied are recognized in current earnings. The Company formally documents at inception all relationships between the derivative instruments and the hedged items, as well as its risk management objectives and strategies for undertaking the hedge transactions. This process includes linking all derivatives that are designated as hedges to specific assets and liabilities, or to specific firm commitments. The Company also formally assesses, both at inception of the hedge and on an ongoing basis, whether the derivatives that are used in hedging transactions are highly effective in offsetting changes in the fair values or cash flows of the hedged items. If it is determined that a derivative is not highly effective or has ceased to be a highly effective hedge, the Company would discontinue hedge accounting prospectively. Gains or losses resulting from the termination of a derivative accounted for as a cash flow hedge remain in other comprehensive income (loss) and is (accreted) amortized to earnings over the remaining period of the former hedging relationship. Certain derivative financial instruments are offered to certain commercial banking customers to manage their risk of exposure and risk management strategies. These derivative instruments consist primarily of currency forward contracts and interest rate swap contracts. The risks associated with these transactions is mitigated by simultaneously entering into similar transactions having essentially offsetting terms with a third party. In addition, the Company executes interest rate swaps with third parties in order to hedge the interest rate risk of short-term FHLB advances. Income Taxes The Company and its subsidiaries file consolidated federal income tax returns. Federal income taxes are allocated to each entity based on their respective contributions to taxable income of the consolidated income tax returns. Beginning in 2019 as required by the State of New Jersey, the Company adopted combined income tax reporting for certain members of a commonly-controlled unitary business group. Prior to 2019, separate state income tax returns were filed for the Company and each of its qualifying subsidiaries. The Company records income taxes in accordance with ASC Topic 740, Income Taxes , using the asset and liability method. The amounts reflected on the Company's federal and state income tax returns differ from these provisions due principally to temporary differences in the reporting of certain items for consolidated financial statement reporting and income tax reporting purposes. Accordingly, deferred tax assets and liabilities: (i) are recognized for the expected future tax consequences of events that have been recognized in the financial statements or tax returns; (ii) are attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases; and (iii) are measured using enacted tax rates expected to apply in the years when those temporary differences are expected to be recovered or settled. Where applicable, deferred tax assets are reduced by a valuation allowance for any portions determined not likely to be realized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date. The valuation allowance is adjusted, by a charge or credit to income tax expense, as changes in facts and circumstances warrant. The Company did not have any liabilities for uncertain tax positions or any known unrecognized tax benefits at December 31, 2021 and 2020. The Company recognizes interest and penalties related to unrecognized tax benefits in income tax expense in the Consolidated Statements of Income. The Company did not recognize any interest and penalties during the years ended December 31, 2021, 2020 and 2019. (2) Summary of Significant Accounting Policies (continued) Income Taxes (continued) On July 1, 2018, New Jersey enacted legislation which adds to the state’s 9.0% Corporation Business Tax rate (i) a 2.5% surtax for periods beginning in 2018 and 2019 and (ii) a 1.5% surtax for periods beginning in 2020 and 2021. Subsequently, on September 12, 2020, New Jersey enacted legislation that restored and extended the 2.5% Corporation Business Tax surcharge to apply retroactively from January 1, 2020 through December 31, 2023. These surtaxes apply to corporations with more than $1.0 million of net income allocated to New Jersey. In addition, for periods beginning in 2019, as previously noted, New Jersey adopted combined income tax reporting for certain members of a commonly-controlled unitary business group, and issued guidance in December 2019 to clarify business entities to be included and excluded from this combined group. Comprehensive Inco

Acquisitions

Acquisitions	12 Months Ended
	Dec. 31, 2021
Business Combinations [Abstract]
Acquisitions	Acquisitions Stewardship Financial Corporation On November 1, 2019, the Company completed its acquisition of Stewardship Financial Corporation ("Stewardship"), pursuant to the Agreement and Plan of Merger, dated as of June 6, 2019, (the "Merger Agreement") by and among Columbia Financial, Broadway Acquisition Corp. (a wholly owned subsidiary of Columbia Financial) and Stewardship. Under the terms of the merger agreement, each outstanding share of Stewardship common stock was converted into the right to receive $15.75 in cash at the effective time of the merger. The aggregate merger consideration paid was $136.3 million. At the time of closing, Stewardship had $956.0 million in total assets, including $756.9 million in net loans receivable, $52.6 million in securities, and $877.8 million in total liabilities, including $781.4 million in deposits and $81.8 million in borrowings. The deposits initially acquired from Stewardship were held across a network of 12 branches located in New Jersey throughout Bergen, Morris, and Passaic counties. During the year ended December 31, 2020, four of these branches were closed, and the Company recorded a loss of $770,000 related to these branch closures. During the year ended December 31, 2021, the Company recorded additional net losses of $301,000 related to these branches. Merger-related expenses are recorded in the Consolidated Statements of Income and are expensed as incurred. Direct acquisition and other charges incurred in connection with the Stewardship acquisition totaled $277,000, $1.3 million and $2.8 million, for the years ended December 31, 2021, 2020 and 2019, respectively. The following table sets forth assets acquired and liabilities assumed in the Stewardship acquisition, at their estimated fair values as of the closing date of the transaction: November 1, 2019 Assets acquired: (In thousands) Cash and cash equivalents $ 105,006 Debt securities available for sale 51,710 Equity securities 1,073 Federal Home Loan Bank stock 3,716 Loans receivable 757,223 Accrued interest receivable 2,239 Office properties and equipment, net 6,815 Bank-owned life insurance 22,096 Deferred tax assets, net 3,534 Core deposit and other intangibles 7,467 Other assets 767 Total assets acquired $ 961,646 Liabilities assumed: Deposits $ 782,698 Borrowings 82,761 Advance payments by borrowers for taxes and insurance 356 Accrued expenses and other liabilities 14,584 Total liabilities assumed $ 880,399 Net assets acquired $ 81,247 Cash paid for purchase 136,294 Goodwill recorded at merger $ 55,047 (3) Acquisitions (continued) Stewardship Financial Corporation (continued) The assets acquired and liabilities assumed have been accounted for under the acquisition method of accounting. The assets and liabilities were recorded at their fair values as of November 1, 2019, and resulted in the recognition of goodwill of $55.0 million and a core deposit intangible of $7.5 million. The determination of the fair value of assets acquired and liabilities assumed required management to make estimates about discount rates, future expected cash flows, market conditions, and other future events that are highly subjective in nature and subject to change. The fair value estimates were subject to change for up to one year after the closing date of the transaction if additional information (existing at the date of closing) relative to closing date fair values became available. During the year ended December 21 2020, the Company determined that there were no material adjustments required to be recorded to amounts as of November 1, 2019. Roselle Bank On April 1, 2020, the Company completed its acquisition of RSB Bancorp, MHC, RSB Bancorp, Inc. and Roselle Bank (collectively, the "Roselle Entities" or "Roselle"). Pursuant to the terms of the Merger Agreement, RSB Bancorp, MHC merged with and into the MHC, with the MHC as the surviving entity; RSB Bancorp, Inc. merged with and into Columbia Financial, with Columbia Financial as the surviving entity; and Roselle Bank merged with and into the Columbia Bank, with Columbia Bank as the surviving institution. Under the terms of the merger agreement, depositors of Roselle Bank became depositors of Columbia Bank and have the same rights and privileges in the MHC as if their accounts had been established at Columbia Bank on the date established at Roselle Bank. The Company issued 4,759,048 shares of its common stock to the MHC, representing an amount equal to the fair value of the Roselle Entities as determined by an independent appraiser, at the effective time of the merger. Merger-related expenses are recorded in the Consolidated Statements of Income and are expensed as incurred. Direct acquisition and other charges incurred in connection with the Roselle acquisition totaled $597,000 for the year ended December 31, 2020. There were no expenses recorded for the years ended December 31, 2021 and 2019. (3) Acquisitions (continued) Roselle Bank (continued) The following table sets forth assets acquired and liabilities assumed in the Roselle acquisition, at their estimated fair values as of the closing date of the transaction: April 1, 2020 Assets acquired: (In thousands) Cash and cash equivalents $ 155,248 Debt securities available for sale 51,479 Debt securities held to maturity 13,418 Equity securities 1,796 Federal Home Loan Bank stock 2,010 Loans receivable 171,593 Accrued interest receivable 679 Office properties and equipment, net 5,774 Bank-owned life insurance 17,245 Deferred tax assets, net 1,334 Other assets 1,489 Total assets acquired $ 422,065 Liabilities assumed: Deposits $ 333,234 Borrowings 37,728 Advance payments by borrowers for taxes and insurance 982 Accrued expenses and other liabilities 5,400 Total liabilities assumed $ 377,344 Net assets acquired $ 44,721 Fair market value of stock issued to Columbia Bank MHC for purchase 68,530 Goodwill recorded at merger $ 23,809 The assets acquired and liabilities assumed have been accounted for under the acquisition method of accounting. The assets and liabilities were recorded at their fair values as of April 1, 2020, and resulted in the recognition of goodwill of $23.8 million. The determination of the fair value of assets acquired and liabilities assumed required management to make estimates about discount rates, future expected cash flows, market conditions, and other future events that are highly subjective in nature and subject to change. During the fourth quarter of 2020, the Company completed all tax returns related to the operation of the acquired entity and its impact on the Company's income taxes, which resulted in a $5.1 million adjustment to deferred income taxes, net, and a decrease in goodwill. During the quarter ended March 31, 2021, the Company recorded a final adjustment of $1.1 million to deferred income taxes, net, and a decrease in goodwill. At December 31, 2021, goodwill related to the Roselle acquisition totaled $17.6 million. (3) Acquisitions (continued) Freehold Bank On December 1, 2021, the Company completed its acquisition of Freehold Bancorp, MHC, Freehold Bancorp, Inc. and Freehold Bank (collectively, the "Freehold Entities" or "Freehold"). Pursuant to the terms of the Merger Agreement, Freehold Bancorp, MHC merged with and into the MHC, with the MHC as the surviving entity; and Freehold Bancorp, Inc. merged with and into Columbia Financial, with Columbia Financial as the surviving entity. In connection with the merger, Freehold Bank converted to a federal savings bank and will operate as a wholly-owned subsidiary of Columbia Financial for at least two years following the effective time of the merger, or no later than December 31, 2023. Under the terms of the merger agreement, depositors of Freehold Bank became depositors of the Columbia Bank and have the same rights and privileges in the MHC as if their accounts had been established at Columbia Bank on the date established at Freehold Bank. The Company issued 2,591,007 shares of its common stock to the MHC, representing an amount equal to the fair value of the Freehold Entities as determined by an independent appraiser, at the effective time of the merger. Merger-related expenses are recorded in the Consolidated Statements of Income and are expensed as incurred. Direct acquisition and other charges incurred in connection with the Freehold acquisition totaled $350,000 for the year ended December 31, 2021. There were no expenses recorded for the years ended December 31, 2020 and 2019. The following table sets forth assets acquired and liabilities assumed in the Freehold acquisition, at their estimated fair values as of the closing date of the transaction: December 1, 2021 Assets acquired: (In thousands) Cash and cash equivalents $ 20,417 Debt securities available for sale 118,017 Federal Home Loan Bank stock 3,032 Loans receivable 158,912 Accrued interest receivable 867 Office properties and equipment, net 5,934 Bank-owned life insurance 8,661 Deferred tax assets, net 454 Core deposit and other intangibles 42 Other assets 162 Total assets acquired $ 316,498 Liabilities assumed: Deposits 210,117 Borrowings 59,908 Advance payments by borrowers for taxes and insurance 495 Accrued expenses and other liabilities 4,822 Total liabilities assumed $ 275,342 Net assets acquired $ 41,156 Fair market value of stock issued to Columbia Bank MHC for purchase 47,260 Goodwill recorded at merger $ 6,104 (3) Acquisitions (continued) Freehold Bank (continued) The assets acquired and liabilities assumed have been accounted for under the acquisition method of accounting. The assets and liabilities were recorded at their fair values as of December 1, 2021, and resulted in the recognition of goodwill of $6.1 million. The determination of the fair value of assets acquired and liabilities assumed required management to make estimates about discount rates, future expected cash flows, market conditions, and other future events that are highly subjective in nature and subject to change. The fair value estimates are subject to change for up to one year after the closing date of the transaction if additional information (existing at the date of closing) relative to closing date fair values becomes available. As the Company continues to analyze the acquired assets and assumed liabilities, there may be adjustments to the recorded carrying values. However, management does not expect significant future adjustments to the recorded amounts as at December 1, 2021. RSI Bank On December 1, 2021, Columbia Financial, Inc. (the “Company”), the parent company of Columbia Bank, and Columbia Bank MHC, the Company’s mutual holding company parent (the “MHC” and, together with the Company and Columbia Bank, the “Columbia Entities”) entered into an Agreement and Plan of Merger (the “Merger Agreement”) with RSI Bancorp, M.H.C., RSI Bancorp, Inc. and RSI Bank (collectively, the “RSI Entities”), pursuant to which (i) RSI Bancorp, M.H.C. will merge with and into the MHC, with the MHC as the surviving entity, (ii) RSI Bancorp, Inc. will merge with and into the Company (or a wholly owned subsidiary of the Company to be formed after the date of the Merger Agreement), with the Company (or such wholly owned subsidiary of the Company) as the surviving entity; and (iii) RSI Bank will merge with and into Columbia Bank, with Columbia Bank as the surviving institution (collectively, the “Merger”). Under the terms of the Merger Agreement, depositors of RSI Bank will become depositors of Columbia Bank and will have the same rights and privileges in the MHC as if their accounts had been established at Columbia Bank on the date established at RSI Bank. As part of the transactions contemplated by the Merger Agreement, at the effective time of the Merger, the Company will issue additional shares of its common stock to the MHC in an amount equal to the fair value of the RSI Entities as determined by an independent appraiser. These shares are expected to be issued immediately prior to completion of the mergers. The Merger Agreement has been unanimously approved by the Boards of Directors of each of the Columbia Entities and the RSI Entities. Subject to the receipt of all required regulatory and other approvals, and the satisfaction or waiver of other customary closing conditions, the parties anticipate that the transactions contemplated by the Merger Agreement will close in the second quarter of 2022. Merger-related expenses are recorded in the Consolidated Statements of Income and are expensed as incurred. Direct acquisition and other charges incurred in connection with the RSI acquisition totaled $196,000 for the year ended December 31, 2021. There were no expenses recorded for the years ended December 31, 2020 and 2019. Fair Value Measurement of Assets Acquired and Liabilities Assumed Described below are the methods used to determine the fair values of the significant assets acquired and liabilities assumed in the Stewardship, Roselle and Freehold acquisitions (if applicable): Cash and cash equivalents. The estimated fair values of cash and cash equivalents approximate their stated face amounts, as these financial instruments are either due on demand or have short-term maturities. Debt securities available for sale or held for maturity. The estimated fair values of the debt securities were calculated mostly utilizing Level 2 inputs. The majority of the acquired securities were fixed income instruments that are not quoted on an exchange, but are traded in active markets. The prices for these instruments are obtained through an independent pricing service when available, or dealer market participants with whom the Company has historically transacted with for both purchases and sales of securities. The prices are derived from market quotations and matrix pricing. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, and the bond's terms and conditions, among other things. Management reviewed the data and assumptions used in pricing securities by its third party provider to ensure the highest level of significant inputs are derived from market observable data. (3) Acquisitions (continued) Loans receivable. The acquired loan portfolio was segregated into pools for valuation purposes primarily based on loan type, non-accrual status, and credit risk rating. The estimated fair values were computed by discounting the expected cash flows from the respective pools. Cash flows were estimated by using valuation models that incorporated estimates of current key assumptions such as prepayment speeds, default rates, and loss severity rates. The process included: (1) projecting monthly principal and/or interest cash flows based on the contractual terms of the loans, including both maturity and contractual amortization; (2) adjusting projected cash flows for expected losses and prepayments, where appropriate; (3) developing a discount rate based on the relative risk of the cash flows, considering the loan type, liquidity risk, the maturity of the loans, servicing costs, and a required return on capital; and (4) discounting the projected cash flows to a present value, to arrive at the calculated value of the loans. The methods used to estimate the fair values of loans are extremely sensitive to the assumptions and estimates used. While management attempted to use assumptions and estimates that best reflected the acquired loan portfolios and current market conditions, a greater degree of subjectivity is inherent in the values than in those determined in active markets. Office properties and equipment, net. The fair value of land and buildings was estimated using current appraisals. Acquired equipment was not material. Intangible assets. Intangible assets recognized in the Stewardship and Freehold acquisitions consisting of core deposit intangibles ("CDI") are the measures of the value of non-maturity deposits in a business combination. The fair value of the CDI was calculated utilizing the cost savings approach, the expected cost savings attributable to the core deposits funding relative to an alternative source of funding, using a discounted cash flow present value methodology. Key inputs and assumptions utilized in the discounted cash flow present value methodology include core deposit balances and rates paid, the cost of an additional funding source, the aggregate life of deposits and truncation points, non-interest deposit costs, and the immediate deposit outflow assumption. Deposits. The fair values of deposit liabilities with no stated maturity (i.e., non-interest bearing and interest-bearing demand deposit accounts, money market and savings and club accounts) are equal to the carrying amounts payable on demand. The fair value of certificates of deposit represent contractual cash flows, discounted to present value using interest rates currently offered on deposits with similar characteristics and remaining maturities. Borrowings. The fair values of borrowings consisting of FHLB advances were estimated by discounting future cash flows using market discount rates for borrowings with similar characteristics, terms and remaining maturities. The fair value of other borrowings recognized in the Stewardship acquisition, which included subordinated notes and debentures, were measured at the acquisition date using a dealer market quote.

Debt Securities Available for S

Debt Securities Available for Sale	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Debt Securities Available for Sale	Debt Securities Available for Sale Debt s ecurities available for sale at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value (In thousands) U.S. government and agency obligations $ 34,711 $ 404 $ (236) $ 34,879 Mortgage-backed securities and collateralized mortgage obligations 1,553,491 14,141 (13,273) 1,554,359 Municipal obligations 4,159 20 — 4,179 Corporate debt securities 109,018 2,378 (966) 110,430 $ 1,701,379 $ 16,943 $ (14,475) $ 1,703,847 December 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value (In thousands) U.S. government and agency obligations $ 24,425 $ 1,124 $ — $ 25,549 Mortgage-backed securities and collateralized mortgage obligations 1,163,613 37,343 (562) 1,200,394 Municipal obligations 16,845 17 — 16,862 Corporate debt securities 67,628 2,264 (415) 69,477 Trust preferred securities 5,000 — (330) 4,670 $ 1,277,511 $ 40,748 $ (1,307) $ 1,316,952 The amortized cost and fair value of debt securities available for sale at December 31, 2021, by contractual final maturity, is shown below. Expected maturities may differ from contractual maturities due to prepayment or early call options exercised by the issuer. December 31, 2021 Amortized Cost Fair Value (In thousands) One year or less $ 5,912 $ 5,998 More than one year to five years 80,419 82,493 More than five years to ten years 61,557 60,997 $ 147,888 $ 149,488 Mortgage-backed securities and collateralized mortgage obligations 1,553,491 1,554,359 $ 1,701,379 $ 1,703,847 Mortgage-backed securities and collateralized mortgage obligations totaling $1.6 billion at both amortized cost and fair value, are not classified by maturity in the table above as their expected lives are likely to be shorter than the contractual maturity date due to principal prepayments. (4) Debt Securities Available for Sale (continued) During the year ended December 31, 2021, proceeds from the sale of debt securities available for sale totaled $90.3 million, resulting in gross gains of $2.1 million and $439,000 of gross losses. Proceeds from called debt securities available for sale totaled $14.0 million, resulting in no gross gain or losses. Proceeds from matured debt securities available for sale totaled $210,000. During the year ended December 31, 2020, proceeds from the sale of debt securities available for sale totaled $20.8 million, resulting in gross gains of $369,000 and no gross losses. Proceeds from called debt securities available for sale totaled $11.6 million resulting in gross gains of $1,000 and no gross losses. Proceeds from matured debt securities available for sale totaled $10.9 million. During the year ended December 31, 2019, proceeds from the sale of debt securities available for sale totaled $65.2 million, resulting in gross gains of $2.2 million and gross losses of $22,000. Proceeds from called debt securities available for sale totaled $24.1 million resulting in gross gains of $174,000 and no gross losses. Proceeds from one matured debt security available for sale totaled $797,000. Debt securities available for sale having a carrying value of $587.7 million and $822.2 million, at December 31, 2021 and 2020, respectively, were pledged as security for public funds on deposit at Columbia Bank as required and permitted by law, pledged for outstanding borrowings at the Federal Home Loan Bank, and pledged for potential borrowings at the Federal Reserve Bank of New York. Debt securities available for sale having a carrying value of $44.1 million at December 31, 2021 were pledged by Freehold Bank for outstanding borrowings at the Federal Home Loan Bank, and for potential borrowings at the Federal Reserve Bank of New York. The following tables summarize the fair value and gross unrealized losses of those securities that reported an unrealized loss at December 31, 2021 and 2020 and if the unrealized loss position was continuous for the twelve months prior to those respective dates: December 31, 2021 Less Than 12 Months 12 Months or Longer Total Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) (In thousands) U.S. government and agency obligations $ 14,488 $ (236) $ — $ — $ 14,488 $ (236) Mortgage-backed securities and collateralized mortgage obligations 820,746 (11,892) 62,407 (1,381) 883,153 (13,273) Corporate debt securities 29,221 (671) 4,705 (295) 33,926 (966) $ 864,455 $ (12,799) $ 67,112 $ (1,676) $ 931,567 $ (14,475) December 31, 2020 Less Than 12 Months 12 Months or Longer Total Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) (In thousands) Mortgage-backed securities and collateralized mortgage obligations $ 117,978 $ (481) $ 24,018 $ (81) $ 141,996 $ (562) Corporate debt securities 9,845 (155) 5,740 (260) 15,585 (415) Trust preferred securities — — 4,670 (330) 4,670 (330) $ 127,823 $ (636) $ 34,428 $ (671) $ 162,251 $ (1,307) (4) Debt Securities Available for Sale (continued) The Company evaluates securities for other-than-temporary impairment at each reporting period and more frequently when economic or market conditions warrant such evaluation. The temporary loss position associated with debt securities available for sale was the result of changes in market interest rates relative to the coupon of the individual security and changes in credit spreads. The Company does not have the intent to sell securities in a temporary loss position at December 31, 2021, nor is it more likely than not that the Company will be required to sell the securities before the anticipated recovery. The number of securities in an unrealized loss position at December 31, 2021 totaled 219, compared with 40 at December 31, 2020. All temporarily impaired securities were investment grade as of December 31, 2021 and 2020. The Company did not record an other-than-temporary impairment charge on debt securities available for sale during the years ended December 31, 2021, 2020, and 2019. Debt securities held to maturity at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value (In thousands) U.S. government and agency obligations $ 44,870 $ — $ (759) $ 44,111 Mortgage-backed securities and collateralized mortgage obligations 384,864 6,741 (927) 390,678 $ 429,734 $ 6,741 $ (1,686) $ 434,789 December 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value (In thousands) U.S. government and agency obligations $ 5,000 $ 1 $ — $ 5,001 Mortgage-backed securities and collateralized mortgage obligations 257,720 14,372 (2) 272,090 $ 262,720 $ 14,373 $ (2) $ 277,091 The amortized cost and fair value of debt securities held to maturity at December 31, 2021, by contractual final maturity, is shown below. Expected maturities may differ from contractual maturities due to prepayment or early call options exercised by the issuer. December 31, 2021 Amortized Cost Fair Value (In thousands) More than one year to five years $ 14,875 $ 14,754 More than five years to ten years 19,995 19,539 More than ten years 10,000 9,818 44,870 44,111 Mortgage-backed securities and collateralized mortgage obligations 384,864 390,678 $ 429,734 $ 434,789 Mortgage-backed securities and collateralized mortgage obligations totaling $384.9 million at amortized cost, and $390.7 million at fair value at December 31, 2021, are not classified by maturity in the table above as their expected lives are likely to be shorter than the contractual maturity date due to principal prepayments. During the year ended December 31, 2021, there were no sales of debt securities held to maturity. During the year ended December 31, 2021, proceeds from called debt securities held to maturity totaled $5.1 million, resulting in no gross gains or losses. During the years ended December 31, 2020 and 2019, there were no sales of debt securities held to maturity. During the year ended December 31, 2020, proceeds from called debt securities held to maturity totaled $20.0 million, resulting in no gross gains or losses. During the year ended December 31, 2019, proceeds from called debt securities held to maturity totaled $33.4 million, resulting in $24,000 of gross gains and no gross losses. (5) Debt Securities Held to Maturity (continued) Debt securities held to maturity having a carrying value of $252.4 million and $220.5 million, at December 31, 2021 and 2020, respectively, were pledged as security for public funds on deposit at Columbia Bank as required and permitted by law, pledged for outstanding borrowings at the Federal Home Loan Bank, and pledged for potential borrowings at the Federal Reserve Bank of New York. The following tables summarize the fair value and gross unrealized losses of those securities that reported an unrealized loss at December 31, 2021 and 2020 and if the unrealized loss position was continuous for the twelve months prior to those respective dates: December 31, 2021 Less Than 12 Months 12 Months or Longer Total Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) (In thousands) U.S. government and agency obligations $ 44,111 $ (759) $ — $ — $ 44,111 $ (759) Mortgage-backed securities and collateralized mortgage obligations 79,036 (927) — — 79,036 (927) $ 123,147 $ (1,686) $ — $ — $ 123,147 $ (1,686) December 31, 2020 Less than 12 months 12 months or longer Total Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) (In thousands) Mortgage-backed securities and collateralized mortgage obligations $ 2,176 $ (2) $ — $ — $ 2,176 $ (2) $ 2,176 $ (2) $ — $ — $ 2,176 $ (2) The Company evaluates securities for other-than-temporary impairment at each reporting period and more frequently when economic or market conditions warrant such evaluation. The temporary loss position associated with debt securities held to maturity was the result of changes in market interest rates relative to the coupon of the individual security and changes in credit spreads. The Company does not have the intent to sell securities in a temporary loss position at December 31, 2021, nor is it more likely than not that the Company will be required to sell the securities before the anticipated recovery. There were 25 securities in an unrealized loss position as of December 31, 2021, compared with two at December 31, 2020. All temporarily impaired securities were investment grade as of December 31, 2021 and 2020. The Company did not record an other-than-temporary impairment charge on debt securities held to maturity for the years ended December 31, 2021, 2020, and 2019. The Company has an equity securities portfolio which consists of stock in other financial institutions, a payment technology company, a community bank correspondent services company, and preferred stock in U.S. Government agencies which are reported at fair value on the Company's Consolidated Statements of Financial Condition. The fair value of the equities portfolio at December 31, 2021 and 2020 was $2.7 million and $5.4 million, respectively. The Company adopted ASU 2016-01 on January 1, 2019, resulting in a $548,000 after tax cumulative-effect adjustment from other comprehensive income (loss) to retained earnings, as reflected in the Consolidated Statements of Changes in Stockholders' Equity. The Company recorded a net (decrease) increase in the fair value of equity securities of $(1.8) million and $767,000 for the years ended December 31, 2021 and 2020, respectively, as a component of non-interest income.

Debt Securities Held to Maturit

Debt Securities Held to Maturity	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Debt Securities Held to Maturity	Debt Securities Available for Sale Debt s ecurities available for sale at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value (In thousands) U.S. government and agency obligations $ 34,711 $ 404 $ (236) $ 34,879 Mortgage-backed securities and collateralized mortgage obligations 1,553,491 14,141 (13,273) 1,554,359 Municipal obligations 4,159 20 — 4,179 Corporate debt securities 109,018 2,378 (966) 110,430 $ 1,701,379 $ 16,943 $ (14,475) $ 1,703,847 December 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value (In thousands) U.S. government and agency obligations $ 24,425 $ 1,124 $ — $ 25,549 Mortgage-backed securities and collateralized mortgage obligations 1,163,613 37,343 (562) 1,200,394 Municipal obligations 16,845 17 — 16,862 Corporate debt securities 67,628 2,264 (415) 69,477 Trust preferred securities 5,000 — (330) 4,670 $ 1,277,511 $ 40,748 $ (1,307) $ 1,316,952 The amortized cost and fair value of debt securities available for sale at December 31, 2021, by contractual final maturity, is shown below. Expected maturities may differ from contractual maturities due to prepayment or early call options exercised by the issuer. December 31, 2021 Amortized Cost Fair Value (In thousands) One year or less $ 5,912 $ 5,998 More than one year to five years 80,419 82,493 More than five years to ten years 61,557 60,997 $ 147,888 $ 149,488 Mortgage-backed securities and collateralized mortgage obligations 1,553,491 1,554,359 $ 1,701,379 $ 1,703,847 Mortgage-backed securities and collateralized mortgage obligations totaling $1.6 billion at both amortized cost and fair value, are not classified by maturity in the table above as their expected lives are likely to be shorter than the contractual maturity date due to principal prepayments. (4) Debt Securities Available for Sale (continued) During the year ended December 31, 2021, proceeds from the sale of debt securities available for sale totaled $90.3 million, resulting in gross gains of $2.1 million and $439,000 of gross losses. Proceeds from called debt securities available for sale totaled $14.0 million, resulting in no gross gain or losses. Proceeds from matured debt securities available for sale totaled $210,000. During the year ended December 31, 2020, proceeds from the sale of debt securities available for sale totaled $20.8 million, resulting in gross gains of $369,000 and no gross losses. Proceeds from called debt securities available for sale totaled $11.6 million resulting in gross gains of $1,000 and no gross losses. Proceeds from matured debt securities available for sale totaled $10.9 million. During the year ended December 31, 2019, proceeds from the sale of debt securities available for sale totaled $65.2 million, resulting in gross gains of $2.2 million and gross losses of $22,000. Proceeds from called debt securities available for sale totaled $24.1 million resulting in gross gains of $174,000 and no gross losses. Proceeds from one matured debt security available for sale totaled $797,000. Debt securities available for sale having a carrying value of $587.7 million and $822.2 million, at December 31, 2021 and 2020, respectively, were pledged as security for public funds on deposit at Columbia Bank as required and permitted by law, pledged for outstanding borrowings at the Federal Home Loan Bank, and pledged for potential borrowings at the Federal Reserve Bank of New York. Debt securities available for sale having a carrying value of $44.1 million at December 31, 2021 were pledged by Freehold Bank for outstanding borrowings at the Federal Home Loan Bank, and for potential borrowings at the Federal Reserve Bank of New York. The following tables summarize the fair value and gross unrealized losses of those securities that reported an unrealized loss at December 31, 2021 and 2020 and if the unrealized loss position was continuous for the twelve months prior to those respective dates: December 31, 2021 Less Than 12 Months 12 Months or Longer Total Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) (In thousands) U.S. government and agency obligations $ 14,488 $ (236) $ — $ — $ 14,488 $ (236) Mortgage-backed securities and collateralized mortgage obligations 820,746 (11,892) 62,407 (1,381) 883,153 (13,273) Corporate debt securities 29,221 (671) 4,705 (295) 33,926 (966) $ 864,455 $ (12,799) $ 67,112 $ (1,676) $ 931,567 $ (14,475) December 31, 2020 Less Than 12 Months 12 Months or Longer Total Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) (In thousands) Mortgage-backed securities and collateralized mortgage obligations $ 117,978 $ (481) $ 24,018 $ (81) $ 141,996 $ (562) Corporate debt securities 9,845 (155) 5,740 (260) 15,585 (415) Trust preferred securities — — 4,670 (330) 4,670 (330) $ 127,823 $ (636) $ 34,428 $ (671) $ 162,251 $ (1,307) (4) Debt Securities Available for Sale (continued) The Company evaluates securities for other-than-temporary impairment at each reporting period and more frequently when economic or market conditions warrant such evaluation. The temporary loss position associated with debt securities available for sale was the result of changes in market interest rates relative to the coupon of the individual security and changes in credit spreads. The Company does not have the intent to sell securities in a temporary loss position at December 31, 2021, nor is it more likely than not that the Company will be required to sell the securities before the anticipated recovery. The number of securities in an unrealized loss position at December 31, 2021 totaled 219, compared with 40 at December 31, 2020. All temporarily impaired securities were investment grade as of December 31, 2021 and 2020. The Company did not record an other-than-temporary impairment charge on debt securities available for sale during the years ended December 31, 2021, 2020, and 2019. Debt securities held to maturity at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value (In thousands) U.S. government and agency obligations $ 44,870 $ — $ (759) $ 44,111 Mortgage-backed securities and collateralized mortgage obligations 384,864 6,741 (927) 390,678 $ 429,734 $ 6,741 $ (1,686) $ 434,789 December 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value (In thousands) U.S. government and agency obligations $ 5,000 $ 1 $ — $ 5,001 Mortgage-backed securities and collateralized mortgage obligations 257,720 14,372 (2) 272,090 $ 262,720 $ 14,373 $ (2) $ 277,091 The amortized cost and fair value of debt securities held to maturity at December 31, 2021, by contractual final maturity, is shown below. Expected maturities may differ from contractual maturities due to prepayment or early call options exercised by the issuer. December 31, 2021 Amortized Cost Fair Value (In thousands) More than one year to five years $ 14,875 $ 14,754 More than five years to ten years 19,995 19,539 More than ten years 10,000 9,818 44,870 44,111 Mortgage-backed securities and collateralized mortgage obligations 384,864 390,678 $ 429,734 $ 434,789 Mortgage-backed securities and collateralized mortgage obligations totaling $384.9 million at amortized cost, and $390.7 million at fair value at December 31, 2021, are not classified by maturity in the table above as their expected lives are likely to be shorter than the contractual maturity date due to principal prepayments. During the year ended December 31, 2021, there were no sales of debt securities held to maturity. During the year ended December 31, 2021, proceeds from called debt securities held to maturity totaled $5.1 million, resulting in no gross gains or losses. During the years ended December 31, 2020 and 2019, there were no sales of debt securities held to maturity. During the year ended December 31, 2020, proceeds from called debt securities held to maturity totaled $20.0 million, resulting in no gross gains or losses. During the year ended December 31, 2019, proceeds from called debt securities held to maturity totaled $33.4 million, resulting in $24,000 of gross gains and no gross losses. (5) Debt Securities Held to Maturity (continued) Debt securities held to maturity having a carrying value of $252.4 million and $220.5 million, at December 31, 2021 and 2020, respectively, were pledged as security for public funds on deposit at Columbia Bank as required and permitted by law, pledged for outstanding borrowings at the Federal Home Loan Bank, and pledged for potential borrowings at the Federal Reserve Bank of New York. The following tables summarize the fair value and gross unrealized losses of those securities that reported an unrealized loss at December 31, 2021 and 2020 and if the unrealized loss position was continuous for the twelve months prior to those respective dates: December 31, 2021 Less Than 12 Months 12 Months or Longer Total Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) (In thousands) U.S. government and agency obligations $ 44,111 $ (759) $ — $ — $ 44,111 $ (759) Mortgage-backed securities and collateralized mortgage obligations 79,036 (927) — — 79,036 (927) $ 123,147 $ (1,686) $ — $ — $ 123,147 $ (1,686) December 31, 2020 Less than 12 months 12 months or longer Total Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) (In thousands) Mortgage-backed securities and collateralized mortgage obligations $ 2,176 $ (2) $ — $ — $ 2,176 $ (2) $ 2,176 $ (2) $ — $ — $ 2,176 $ (2) The Company evaluates securities for other-than-temporary impairment at each reporting period and more frequently when economic or market conditions warrant such evaluation. The temporary loss position associated with debt securities held to maturity was the result of changes in market interest rates relative to the coupon of the individual security and changes in credit spreads. The Company does not have the intent to sell securities in a temporary loss position at December 31, 2021, nor is it more likely than not that the Company will be required to sell the securities before the anticipated recovery. There were 25 securities in an unrealized loss position as of December 31, 2021, compared with two at December 31, 2020. All temporarily impaired securities were investment grade as of December 31, 2021 and 2020. The Company did not record an other-than-temporary impairment charge on debt securities held to maturity for the years ended December 31, 2021, 2020, and 2019. The Company has an equity securities portfolio which consists of stock in other financial institutions, a payment technology company, a community bank correspondent services company, and preferred stock in U.S. Government agencies which are reported at fair value on the Company's Consolidated Statements of Financial Condition. The fair value of the equities portfolio at December 31, 2021 and 2020 was $2.7 million and $5.4 million, respectively. The Company adopted ASU 2016-01 on January 1, 2019, resulting in a $548,000 after tax cumulative-effect adjustment from other comprehensive income (loss) to retained earnings, as reflected in the Consolidated Statements of Changes in Stockholders' Equity. The Company recorded a net (decrease) increase in the fair value of equity securities of $(1.8) million and $767,000 for the years ended December 31, 2021 and 2020, respectively, as a component of non-interest income.

Equity Securities at Fair Value

Equity Securities at Fair Value	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Equity Securities at Fair Value	Debt Securities Available for Sale Debt s ecurities available for sale at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value (In thousands) U.S. government and agency obligations $ 34,711 $ 404 $ (236) $ 34,879 Mortgage-backed securities and collateralized mortgage obligations 1,553,491 14,141 (13,273) 1,554,359 Municipal obligations 4,159 20 — 4,179 Corporate debt securities 109,018 2,378 (966) 110,430 $ 1,701,379 $ 16,943 $ (14,475) $ 1,703,847 December 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value (In thousands) U.S. government and agency obligations $ 24,425 $ 1,124 $ — $ 25,549 Mortgage-backed securities and collateralized mortgage obligations 1,163,613 37,343 (562) 1,200,394 Municipal obligations 16,845 17 — 16,862 Corporate debt securities 67,628 2,264 (415) 69,477 Trust preferred securities 5,000 — (330) 4,670 $ 1,277,511 $ 40,748 $ (1,307) $ 1,316,952 The amortized cost and fair value of debt securities available for sale at December 31, 2021, by contractual final maturity, is shown below. Expected maturities may differ from contractual maturities due to prepayment or early call options exercised by the issuer. December 31, 2021 Amortized Cost Fair Value (In thousands) One year or less $ 5,912 $ 5,998 More than one year to five years 80,419 82,493 More than five years to ten years 61,557 60,997 $ 147,888 $ 149,488 Mortgage-backed securities and collateralized mortgage obligations 1,553,491 1,554,359 $ 1,701,379 $ 1,703,847 Mortgage-backed securities and collateralized mortgage obligations totaling $1.6 billion at both amortized cost and fair value, are not classified by maturity in the table above as their expected lives are likely to be shorter than the contractual maturity date due to principal prepayments. (4) Debt Securities Available for Sale (continued) During the year ended December 31, 2021, proceeds from the sale of debt securities available for sale totaled $90.3 million, resulting in gross gains of $2.1 million and $439,000 of gross losses. Proceeds from called debt securities available for sale totaled $14.0 million, resulting in no gross gain or losses. Proceeds from matured debt securities available for sale totaled $210,000. During the year ended December 31, 2020, proceeds from the sale of debt securities available for sale totaled $20.8 million, resulting in gross gains of $369,000 and no gross losses. Proceeds from called debt securities available for sale totaled $11.6 million resulting in gross gains of $1,000 and no gross losses. Proceeds from matured debt securities available for sale totaled $10.9 million. During the year ended December 31, 2019, proceeds from the sale of debt securities available for sale totaled $65.2 million, resulting in gross gains of $2.2 million and gross losses of $22,000. Proceeds from called debt securities available for sale totaled $24.1 million resulting in gross gains of $174,000 and no gross losses. Proceeds from one matured debt security available for sale totaled $797,000. Debt securities available for sale having a carrying value of $587.7 million and $822.2 million, at December 31, 2021 and 2020, respectively, were pledged as security for public funds on deposit at Columbia Bank as required and permitted by law, pledged for outstanding borrowings at the Federal Home Loan Bank, and pledged for potential borrowings at the Federal Reserve Bank of New York. Debt securities available for sale having a carrying value of $44.1 million at December 31, 2021 were pledged by Freehold Bank for outstanding borrowings at the Federal Home Loan Bank, and for potential borrowings at the Federal Reserve Bank of New York. The following tables summarize the fair value and gross unrealized losses of those securities that reported an unrealized loss at December 31, 2021 and 2020 and if the unrealized loss position was continuous for the twelve months prior to those respective dates: December 31, 2021 Less Than 12 Months 12 Months or Longer Total Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) (In thousands) U.S. government and agency obligations $ 14,488 $ (236) $ — $ — $ 14,488 $ (236) Mortgage-backed securities and collateralized mortgage obligations 820,746 (11,892) 62,407 (1,381) 883,153 (13,273) Corporate debt securities 29,221 (671) 4,705 (295) 33,926 (966) $ 864,455 $ (12,799) $ 67,112 $ (1,676) $ 931,567 $ (14,475) December 31, 2020 Less Than 12 Months 12 Months or Longer Total Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) (In thousands) Mortgage-backed securities and collateralized mortgage obligations $ 117,978 $ (481) $ 24,018 $ (81) $ 141,996 $ (562) Corporate debt securities 9,845 (155) 5,740 (260) 15,585 (415) Trust preferred securities — — 4,670 (330) 4,670 (330) $ 127,823 $ (636) $ 34,428 $ (671) $ 162,251 $ (1,307) (4) Debt Securities Available for Sale (continued) The Company evaluates securities for other-than-temporary impairment at each reporting period and more frequently when economic or market conditions warrant such evaluation. The temporary loss position associated with debt securities available for sale was the result of changes in market interest rates relative to the coupon of the individual security and changes in credit spreads. The Company does not have the intent to sell securities in a temporary loss position at December 31, 2021, nor is it more likely than not that the Company will be required to sell the securities before the anticipated recovery. The number of securities in an unrealized loss position at December 31, 2021 totaled 219, compared with 40 at December 31, 2020. All temporarily impaired securities were investment grade as of December 31, 2021 and 2020. The Company did not record an other-than-temporary impairment charge on debt securities available for sale during the years ended December 31, 2021, 2020, and 2019. Debt securities held to maturity at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value (In thousands) U.S. government and agency obligations $ 44,870 $ — $ (759) $ 44,111 Mortgage-backed securities and collateralized mortgage obligations 384,864 6,741 (927) 390,678 $ 429,734 $ 6,741 $ (1,686) $ 434,789 December 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value (In thousands) U.S. government and agency obligations $ 5,000 $ 1 $ — $ 5,001 Mortgage-backed securities and collateralized mortgage obligations 257,720 14,372 (2) 272,090 $ 262,720 $ 14,373 $ (2) $ 277,091 The amortized cost and fair value of debt securities held to maturity at December 31, 2021, by contractual final maturity, is shown below. Expected maturities may differ from contractual maturities due to prepayment or early call options exercised by the issuer. December 31, 2021 Amortized Cost Fair Value (In thousands) More than one year to five years $ 14,875 $ 14,754 More than five years to ten years 19,995 19,539 More than ten years 10,000 9,818 44,870 44,111 Mortgage-backed securities and collateralized mortgage obligations 384,864 390,678 $ 429,734 $ 434,789 Mortgage-backed securities and collateralized mortgage obligations totaling $384.9 million at amortized cost, and $390.7 million at fair value at December 31, 2021, are not classified by maturity in the table above as their expected lives are likely to be shorter than the contractual maturity date due to principal prepayments. During the year ended December 31, 2021, there were no sales of debt securities held to maturity. During the year ended December 31, 2021, proceeds from called debt securities held to maturity totaled $5.1 million, resulting in no gross gains or losses. During the years ended December 31, 2020 and 2019, there were no sales of debt securities held to maturity. During the year ended December 31, 2020, proceeds from called debt securities held to maturity totaled $20.0 million, resulting in no gross gains or losses. During the year ended December 31, 2019, proceeds from called debt securities held to maturity totaled $33.4 million, resulting in $24,000 of gross gains and no gross losses. (5) Debt Securities Held to Maturity (continued) Debt securities held to maturity having a carrying value of $252.4 million and $220.5 million, at December 31, 2021 and 2020, respectively, were pledged as security for public funds on deposit at Columbia Bank as required and permitted by law, pledged for outstanding borrowings at the Federal Home Loan Bank, and pledged for potential borrowings at the Federal Reserve Bank of New York. The following tables summarize the fair value and gross unrealized losses of those securities that reported an unrealized loss at December 31, 2021 and 2020 and if the unrealized loss position was continuous for the twelve months prior to those respective dates: December 31, 2021 Less Than 12 Months 12 Months or Longer Total Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) (In thousands) U.S. government and agency obligations $ 44,111 $ (759) $ — $ — $ 44,111 $ (759) Mortgage-backed securities and collateralized mortgage obligations 79,036 (927) — — 79,036 (927) $ 123,147 $ (1,686) $ — $ — $ 123,147 $ (1,686) December 31, 2020 Less than 12 months 12 months or longer Total Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) (In thousands) Mortgage-backed securities and collateralized mortgage obligations $ 2,176 $ (2) $ — $ — $ 2,176 $ (2) $ 2,176 $ (2) $ — $ — $ 2,176 $ (2) The Company evaluates securities for other-than-temporary impairment at each reporting period and more frequently when economic or market conditions warrant such evaluation. The temporary loss position associated with debt securities held to maturity was the result of changes in market interest rates relative to the coupon of the individual security and changes in credit spreads. The Company does not have the intent to sell securities in a temporary loss position at December 31, 2021, nor is it more likely than not that the Company will be required to sell the securities before the anticipated recovery. There were 25 securities in an unrealized loss position as of December 31, 2021, compared with two at December 31, 2020. All temporarily impaired securities were investment grade as of December 31, 2021 and 2020. The Company did not record an other-than-temporary impairment charge on debt securities held to maturity for the years ended December 31, 2021, 2020, and 2019. The Company has an equity securities portfolio which consists of stock in other financial institutions, a payment technology company, a community bank correspondent services company, and preferred stock in U.S. Government agencies which are reported at fair value on the Company's Consolidated Statements of Financial Condition. The fair value of the equities portfolio at December 31, 2021 and 2020 was $2.7 million and $5.4 million, respectively. The Company adopted ASU 2016-01 on January 1, 2019, resulting in a $548,000 after tax cumulative-effect adjustment from other comprehensive income (loss) to retained earnings, as reflected in the Consolidated Statements of Changes in Stockholders' Equity. The Company recorded a net (decrease) increase in the fair value of equity securities of $(1.8) million and $767,000 for the years ended December 31, 2021 and 2020, respectively, as a component of non-interest income.

Loans Receivable and Allowance

Loans Receivable and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Loans Receivable and Allowance for Loan Losses	Loans Receivable and Allowance for Loan Losses Loans receivable at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 2020 (In thousands) Real estate loans: One-to-four family $ 2,092,317 $ 1,940,327 Multifamily and commercial 3,211,344 2,817,965 Construction 295,047 328,711 Commercial business loans 452,232 752,870 Consumer loans: Home equity loans and advances 276,563 321,177 Other consumer loans 1,428 1,497 Total gross loans 6,328,931 6,162,547 Purchased credit-impaired loans 6,791 6,345 Net deferred loan costs, fees and purchased premiums and discounts 24,879 12,878 Loans receivable $ 6,360,601 $ 6,181,770 The Company had no loans held-for-sale at December 31, 2021. The Company had $4.1 million of SBA loans held-for-sale at December 31, 2020. During the year ended December 31, 2021, the Company sold $18.5 million, $19.1 million, $258.1 million and $6.4 million of one-to-four family real estate loans and home equity loans, multifamily and commercial real estate loans, commercial business and SBA loans, and construction loans held-for sale included in commercial business loans, respectively, resulting in gross gains of $8.6 million and gross losses of $24,000. During the year ended December 31, 2020, the Company sold $111.8 million of one-to-four family real estate loans held-for-sale, resulting in gross gains of $1.7 million and no gross losses. During the year ended December 31, 2019, the Company sold $97.4 million, $4.3 million, and $164,000 of one-to-four family real estate and home equity loans, multifamily and commercial real estate and commercial business loans held-for-sale, resulting in gross gains of $718,000 and no gross losses. During the year ended December 31, 2021, no loans included in loans receivable were sold by the Company. During the year ended December 31, 2020, the Company sold $15.1 million, $13.0 million, and $7.6 million of one-to-four family real estate loans and home equity loans, construction loans, and commercial business loans, respectively, included in loans receivable, resulting in gross gains of $161,000 and no gross losses. During the year ended December 31, 2019, the Company sold $5.3 million, $5.5 million, and $901,000 of one-to-four family real estate loans and home equity loans, and multifamily and commercial real estate loans, respectively, included in loans receivable, resulting in gross gains of $67,000 and no gross losses. During the year ended December 31, 2021, the Company purchased $11.8 million of one-to-four family real estate loans and $73.6 million of multifamily and commercial real estate loans from third parties. During the year ended December 31, 2020 there were no loans purchased by the Company. During the year ended December 31, 2019, the Company purchased $89.8 million of one-to-four family real estate loans from third parties. At December 31, 2021 and 2020, commercial business loans included $44.9 million and $344.4 million, respectively, in SBA Payroll Protection Program ("PPP") loans and net deferred fees related to these loans totaling $1.2 million and $6.6 million, respectively. At December 31, 2021 and 2020, the carrying value of loans serviced by the Company for investors was $519.5 million and $598.0 million, respectively. These loans are not included in the Consolidated Statements of Financial Condition. Servicing income totaled $1.5 million, $1.4 million, and $1.2 million for the years ended December 31, 2021, 2020 and 2019. (7) Loans Receivable and Allowance for Loan Losses (continued) The Company has entered into guarantor swaps with Freddie Mac which results in improved liquidity. During the year ended December 31, 2021, the Company exchanged $99.6 million of loans for Freddie Mac mortgage participation certificates, resulting in gross gains of $2.3 million and no gross losses. During the year ended December 31, 2020, the Company exchanged $117.3 million of loans for Freddie Mac mortgage participation certificates, resulting in gross gains of $3.5 million and no gross losses. During the year ended December 31, 2019, the Company exchanged $21.6 million of loans for a Freddie Mac mortgage participation certificates, resulting in no gross gains or gross losses. The Company retained servicing of these loans. The Company has granted loans to certain officers and directors of the Company and its subsidiaries and to their associates. At December 31, 2021 and 2020, such loans totaled approximately $8.9 million and $1.6 million, respectively. During the year ended December 31, 2021, the Columbia Bank granted one new loan to a related party totaling $522,700. During the year ended December 31, 2020, the Company granted one new loan to a related party totaling $300,000. During the year ended December 31, 2019, no new loans were granted to related parties. These loans are performing in accordance with their original terms. The following tables summarize the aging of loans receivable by portfolio segment, including non-accrual loans and excluding PCI loans at December 31, 2021 and 2020: December 31, 2021 30-59 Days 60-89 Days 90 Days or More Total Past Due Non-accrual Current Total (In thousands) Real estate loans: One-to-four family $ 3,131 $ 1,976 $ 373 $ 5,480 $ 1,416 $ 2,086,837 $ 2,092,317 Multifamily and commercial 2,189 — 1,561 3,750 1,561 3,207,594 3,211,344 Construction — — — — — 295,047 295,047 Commercial business loans 412 — 203 615 761 451,617 452,232 Consumer loans: Home equity loans and advances 108 53 81 242 201 276,321 276,563 Other consumer loans — 4 — 4 — 1,424 1,428 Total loans $ 5,840 $ 2,033 $ 2,218 $ 10,091 $ 3,939 $ 6,318,840 $ 6,328,931 December 31, 2020 30-59 Days 60-89 Days 90 Days or More Total Past Due Non-accrual Current Total (In thousands) Real estate loans: One-to-four family $ 3,068 $ 912 $ 1,901 $ 5,881 $ 2,637 $ 1,934,446 $ 1,940,327 Multifamily and commercial 15,645 — 1,238 16,883 1,873 2,801,082 2,817,965 Construction 550 — — 550 — 328,161 328,711 Commercial business loans 2,343 1,056 2,453 5,852 2,968 747,018 752,870 Consumer loans: Home equity loans and advances 1,156 696 394 2,246 678 318,931 321,177 Other consumer loans 4 — — 4 — 1,493 1,497 Total loans $ 22,766 $ 2,664 $ 5,986 31,416 $ 8,156 $ 6,131,131 $ 6,162,547 (7) Loans Receivable and Allowance for Loan Losses (continued) The Company considers a loan to be delinquent when we have not received a payment within 30 days of its contractual due date. Generally, a loan is designated as a non-accrual loan when the payment of interest is 90 days or more in arrears of its contractual due date. Non-accruing loans are returned to an accrual status after there has been a sustained period of repayment performance (generally six consecutive months of payments) and both principal and interest are deemed collectible. The Company identifies loans that may need to be charged-off as a loss, by reviewing all delinquent loans, classified loans and other loans that management may have concerns about collectability. At December 31, 2021 and 2020, non-accrual loans totaled $3.9 million and $8.2 million, respectively. Included in non-accrual loans at December 31, 2021, are 10 loans totaling $1.7 million which are less than 90 days in arrears. At December 31, 2020, 19 loans totaling $2.2 million, were less than 90 days in arrears. If non-accrual loans had performed in accordance with their original terms, interest income would have increased by $190,000, $426,000, and $509,000 for the years ended December 31, 2021, 2020 and 2019, respectively. The amount of cash basis interest income that was recognized on these loans during the years ended December 31, 2021, 2020 and 2019, was $242,000, $410,000, and $437,000, respectively. At December 31, 2021 and 2020, there were no loans past due 90 days or more still accruing interest other than COVID-19 related loan forbearance and deferrals. In accordance with the CARES Act, these loans are not included in the aging of loans receivable by portfolio segment in the table above, and the Company continues to accrue interest income during the forbearance or deferral period. If adverse information indicating that the borrower's capability of repaying all amounts due is unlikely, the interest accrual will cease. PCI loans are loans acquired at a discount primarily due to deteriorated credit quality. These loans are initially recorded at fair value at acquisition, based upon the present value of expected future cash flows, with no related allowance for loan losses, and aggregated and accounted for as pools of loans based on common risk characteristics. The difference between the undiscounted cash flows expected at acquisition and the initial carrying amount (fair value) of the PCI loans, or the “accretable yield,” is recognized as interest income utilizing the level-yield method over the life of each pool. Contractually required payments for interest and principal that exceed the undiscounted cash flows expected at acquisition, or the “non-accretable difference,” are not recognized as a yield adjustment, as a loss accrual or a valuation allowance. Reclassifications of the non-accretable difference to the accretable yield may occur subsequent to the loan acquisition dates due to increases in expected cash flows of the loan pools. See note 3 for additional information. The following table presents information regarding the estimates of the contractually required payments, the cash flows expected to be collected, and the estimated fair value of the PCI loans acquired in the Stewardship acquisition as of November 1, 2019 (See note 3 for more details): November 1, 2019 (In thousands) Contractually required principal and interest $ 9,286 Contractual cash flows not expected to be collected (non-accretable difference) (1,823) Expected cash flows to be collected 7,463 Interest component of expected cash flows (accretable yield) (556) Fair value of acquired loans $ 6,907 The following table presents information regarding the estimates of the contractually required payments, the cash flows expected to be collected, and the estimated fair value of the PCI loans acquired in the Roselle acquisition as of April 1, 2020 (See note 3 for more details): (7) Loans Receivable and Allowance for Loan Losses (continued) April 1, 2020 (In thousands) Contractually required principal and interest $ 461 Contractual cash flows not expected to be collected (non-accretable difference) (237) Expected cash flows to be collected 224 Interest component of expected cash flows (accretable yield) (51) Fair value of acquired loans $ 173 The following table presents information regarding the estimates of the contractually required payments, the cash flows expected to be collected, and the estimated fair value of the PCI loans acquired in the Freehold acquisition as of December 1, 2021 (See note 3 for more details): December 1, 2021 (In thousands) Contractually required principal and interest $ 5,149 Contractual cash flows not expected to be collected (non-accretable difference) — Expected cash flows to be collected 5,149 Interest component of expected cash flows (accretable yield) (1,452) Fair value of acquired loans $ 3,697 At December 31, 2021 and 2020, PCI loans acquired in the Stewardship acquisition totaled $2.7 million and $6.1 million, respectively. At both December 31, 2021 and 2020, PCI loans acquired in the Roselle acquisition totaled $184,000. and at December 31, 2021, PCI loans acquired in the Freehold acquisition totaled $3.9 million. The following table presents changes in accretable yield for PCI loans for the years ended December 31, 2021 and 2020: December 31, 2021 2020 (In thousands) Balance at beginning of period $ 418 $ 511 Acquisition 19 58 Accretion (20) (34) Net change in expected cash flows (70) (117) Balance at end of period $ 347 $ 418 The net increase in expected cash flows for certain pools of loans included in the table above is recognized prospectively as an adjustment to the yield over the estimated remaining life of the individual pools. We may obtain physical possession of real estate collateralizing a residential mortgage loan via foreclosure or through an in-substance repossession. At December 31, 2021 and 2020, the Company had no real estate owned. At of December 31, 2021 and 2020, we had one and two residential mortgage loans, respectively, with carrying values of $87,000 and $398,000, respectively, collateralized by residential real estate which were in the process of foreclosure. In March 2020, the Company temporarily suspended residential property foreclosure sales and evictions in the primary states in which we lend, as the federal government and various states issued executive orders which declared moratoriums on removing individuals from a residential property until at least two months after the COVID-19 health crisis ended. Many of these moratoriums expired in the second and third quarters of 2021. In New Jersey and New York the moratoriums expired on November 15, 2021 and January 15, 2022, respectively. (7) Loans Receivable and Allowance for Loan Losses (continued) The Company maintains the allowance for loan losses through provisions for (reversal of)loan losses which are charged to income. Charge-offs against the allowance for loan losses are taken on loans where management determines that the collection of loan principal is unlikely. Recoveries made on loans that have been charged-off are credited to the allowance for loan losses. As part of the evaluation of the adequacy of the allowance for loan losses, management prepares an analysis each quarter that categorizes the entire loan portfolio by certain risk characteristics such as loan type (residential mortgage, commercial mortgage, construction, commercial business, etc.) and loan risk rating. When assigning a risk rating to a loan, management utilizes an eight-point risk internal rating system. Loans deemed to be “acceptable quality” are rated 1 through 4, with a rating of 1 established for loans with minimal risk. Loans deemed to be of “questionable quality” are rated 5 (Special Mention) or 6 (Substandard). Loans with adverse classifications are rated 7 (Doubtful) or 8 (Loss). The risk ratings are also confirmed through periodic loan review examinations, which are currently performed by both an independent third-party and the Company's credit risk review department. The Company requires an annual review be performed above certain dollar thresholds, depending on loan type, to help determine the appropriate risk rating. Results are presented to the Audit Committee of the Board of Directors. Management estimates the allowance for loans collectively evaluated for impairment by applying quantitative loss factors to the loan segments by risk rating and determining qualitative adjustments to each loan segment at an overall level. Quantitative loss factors give consideration to historical loss experience and migration experience by loan type based on an appropriate look-back period, adjusted for a loss emergence period. Qualitative adjustments give consideration to other qualitative or environmental factors such as trends and levels of delinquencies, impaired loans, charge-offs, recoveries and loan volumes, as well as national and local economic trends and conditions. Qualitative adjustments reflect risks in the loan portfolio not captured by the quantitative loss factors and, as such, are evaluated relative to the risk levels present over the look-back period. The reserves resulting from the application of both the quantitative experience and qualitative factors are combined to arrive at the allowance for loan losses for loans collectively evaluated for impairment. Management believes the primary risks inherent in the portfolio are a general decline in the economy, a decline in real estate market values, rising unemployment, elevated unemployment, increasing vacancy rates, and increases in interest rates in the absence of economic improvement. Any one or a combination of these events may adversely affect a borrowers’ ability to repay its loan, resulting in increased delinquencies and loan losses. Accordingly, the Company has recorded loan losses at a level which is estimated to represent the current risk in its loan portfolio. Management considers it important to maintain the ratio of the allowance for loan losses to total loans at an acceptable level considering the current composition of the loan portfolio. Although management believes that the Company has established and maintains the allowance for loan losses at appropriate levels, additional reserves may be necessary if future economic and other conditions differ substantially from the current operating environment. Management evaluates its estimates and assumptions on an ongoing basis and the estimates and assumptions are adjusted when facts and circumstances necessitate a re-valuation of the estimate. As future events and their effects cannot be determined with precision, actual results could differ significantly from these estimates. In addition, regulatory agencies periodically review the adequacy of the Company’s allowance for loan losses as an integral part of their examination process. Such agencies may require the Company to recognize additions to the allowance or additional write-downs based on their judgments about information available to them at the time of their examination. Although management uses the best information available, the level of the allowance for loan losses remains an estimate that is subject to significant judgement. We assessed the impact of the pandemic on the Company’s financial condition, including its determination of the allowance for loan losses. Beginning in March 2020, management established an additional qualitative loss factor solely related to the impact of COVID-19 in the calculation. As part of that assessment, the Company considered the effects of the pandemic on economic conditions such as increasing unemployment rates and the shut-down of all non-essential businesses. The Company also analyzed the impact of COVID-19 on its primary market as well as the impact on the Company’s market sectors and its specific customers. As part of its estimation of an adjustment to the allowance due to COVID-19, the Company identified those market sectors or industries that were more likely to be affected, such as hospitality, transportation and outpatient care centers. To determine the potential impact on the Company’s customers, management considered significant revenue declines in a borrower’s business as well as reductions in its operating cash flows and the impact on their ability to repay their loans, and estimated the probability of default and loss-given-default for the various loan categories and assigned a weighting to each scenario. Based on this analysis, management estimated the potential impact resulting from COVID-19, and the adjustment to the allowance that was necessary. Management continues to evaluate the impact of the COVID-19 qualitative loss factor on a quarterly basis. (7) Loans Receivable and Allowance for Loan Losses (continued) The Company defines a loan as impaired when, based on current information and events, it is probable that a creditor will be unable to collect all amounts due under the contractual terms of the loan agreement. All multifamily and commercial real estate, construction, and commercial business loans with an outstanding balance of greater than $500,000 and not accruing interest, loans modified in a troubled debt restructuring (TDR), and other loans if there is specific information of a collateral shortfall are individually evaluated for impairment. Impairment is measured by determining the present value of expected future cash flows or, for collateral-dependent loans, the fair value of the collateral less estimated selling costs. The following tables summarize loans receivable (including PCI loans) and allowance for loan losses by portfolio segment and impairment method at December 31, 2021 and 2020: December 31, 2021 One-to-Four Family Multifamily and Commercial Construction Commercial Business Home Equity Loans and Advances Other Consumer Loans Total (In thousands) Allowance for loan losses: Individually evaluated for impairment $ 258 $ 97 $ — $ 16 $ 7 $ — $ 378 Collectively evaluated for impairment 8,540 23,758 8,943 20,198 866 6 62,311 Loans acquired with deteriorated credit quality — — — — — — — Total $ 8,798 $ 23,855 $ 8,943 $ 20,214 $ 873 $ 6 $ 62,689 Total loans: Individually evaluated for impairment $ 5,184 $ 16,592 $ — $ 1,806 $ 705 $ — $ 24,287 Collectively evaluated for impairment 2,087,133 3,194,752 295,047 450,426 275,858 1,428 6,304,644 Loans acquired with deteriorated credit quality 431 5,426 — 934 — — 6,791 Total loans $ 2,092,748 $ 3,216,770 $ 295,047 $ 453,166 $ 276,563 $ 1,428 $ 6,335,722 (7) Loans Receivable and Allowance for Loan Losses (continued) December 31, 2020 One-to-Four Family Multifamily and Commercial Construction Commercial Business Home Equity Loans and Advances Other Consumer Loans Total (In thousands) Allowance for loan losses: Individually evaluated for impairment $ 391 $ 601 $ — $ 84 $ 12 $ — $ 1,088 Collectively evaluated for impairment 13,195 30,080 11,271 17,300 1,736 6 73,588 Loans acquired with deteriorated credit quality — — — — — — — Total $ 13,586 $ 30,681 $ 11,271 $ 17,384 $ 1,748 $ 6 $ 74,676 Total loans: Individually evaluated for impairment $ 7,257 $ 32,792 $ — $ 3,447 $ 1,651 $ — $ 45,147 Collectively evaluated for impairment 1,933,070 2,785,173 328,711 749,423 319,526 1,497 6,117,400 Loans acquired with deteriorated credit quality 309 4,893 — 1,143 — — 6,345 Total loans $ 1,940,636 $ 2,822,858 $ 328,711 $ 754,013 $ 321,177 $ 1,497 $ 6,168,892 Loan modifications to borrowers experiencing financial difficulties that are considered troubled debt restructurings ("TDRs") primarily involve the lowering of the monthly payments on such loans through either a reduction in interest rate below a market rate, an extension of the term of the loan without a corresponding adjustment to the risk premium reflected in the interest rate, or a combination of these two methods. These modifications generally do not result in the forgiveness of principal or accrued interest. In addition, the Company attempts to obtain additional collateral or guarantor support when modifying such loans. Non-accruing restructured loans may be returned to accrual status when there has been a sustained period of repayment performance (generally six consecutive months of payments) and both principal and interest are deemed collectible. Section 4013 of the CARES Act, “Temporary Relief from Troubled Debt Restructurings,” allows banks to temporarily suspend certain requirements under GAAP related to TDRs for a limited period of time to account for the effects of COVID-19. The Company elected to account for modifications on certain loans under Section 4013 of the CARES Act or, if the loan modification was not eligible under Section 4013, used the criteria in the COVID-19 guidance to determine when the loan modification was not a TDR in accordance with ASC 310-40. Guidance noted that modification or deferral programs mandated by the federal or a state government related to COVID-19 would not be in the scope of ASC 310-40, such as a state program that requires all institutions within that state to suspend mortgage payments for a specified period. These short-term loan modifications were not treated as troubled debt restructurings during the short-term modification period if the loan was not in arrears at December 31, 2019. Furthermore, based on current evaluations, generally, we have continued the accrual of interest on these loans during the short-term modification period. The Consolidated Appropriations Act, 2021, which was enacted in late December 2020, extended certain provisions of the CARES Act through January 1, 2022, including provisions permitting loan deferral extension requests to not be treated as troubled debt restructurings. (7) Loans Receivable and Allowance for Loan Losses (continued) The following tables present the number of loans modified as TDRs during the years ended December 31, 2021, 2020 and 2019, along with their balances immediately prior to the modification date and post-modification. Post-modification recorded investment represents the net book balance immediately following modification. For the Years Ended December 31, 2021 2020 No. of Loans Pre-modification Recorded Investment Post-modification Recorded Investment No. of Loans Pre-modification Recorded Investment Post-modification Recorded Investment (Dollars in thousands) Troubled Debt Restructurings Real estate loans: One-to-four family 2 $ 285 $ 388 — $ — $ — Multifamily and commercial 1 $ 192 $ 211 5 $ 17,022 $ 17,022 Commercial business loans — — — 2 11,507 12,802 Total restructured loans 3 $ 477 $ 599 7 $ 28,529 $ 29,824 For the Year Ended December 31, 2019 No. of Loans Pre-modification Recorded Investment Post-modification Recorded Investment (Dollars in thousands) Troubled Debt Restructurings Commercial business loans 1 $ 4,095 $ 4,095 Total restructured loans 1 $ 4,095 $ 4,095 The activity in the allowance for loan losses for the years ended December 31, 2021, 2020 and 2019, are as follows: Years Ended December 31, 2021 2020 2019 (In thousands) Balance at beginning of period $ 74,676 $ 61,709 $ 62,342 Provision (credited) charged (9,953) 18,447 4,224 Recoveries 1,530 823 496 Charge-offs (3,564) (6,303) (5,353) Balance at end of period $ 62,689 $ 74,676 $ 61,709 (7) Loans Receivable and Allowance for Loan Losses (continued) The activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2021, 2020 and 2019, are as follows: For the Year Ended December 31, 2021 One-to-Four Family Multifamily and Commercial Construction Commercial Business Home Equity Loans and Advances Other Consumer Loans Total (In thousands) Balance at beginning of period $ 13,586 $ 30,681 $ 11,271 $ 17,384 $ 1,748 $ 6 $ 74,676 Provision charged (credited) (4,037) (7,354) (2,330) 4,384 (623) 7 (9,953) Recoveries 22 1,231 2 219 56 — 1,530 Charge-offs (773) (703) — (1,773) (308) (7) (3,564) Balance at end of period $ 8,798 $ 23,855 $ 8,943 $ 20,214 $ 873 $ 6 $ 62,689 For the Year Ended December 31, 2020 One-to-Four Family Multifamily and Commercial Construction Commercial Business Home Equity Loans and Advances Other Consumer Loans Total (In thousands) Balance at beginning of period $ 13,780 $ 22,980 $ 7,435 $ 15,836 $ 1,669 $ 9 $ 61,709 Provision charged 1,299 7,713 3,835 5,360 239 1 18,447 Recoveries 438 16 1 308 60 — 823 Charge-offs (1,931) (28) — (4,120) (220) (4) (6,303) Balance at end of period $ 13,586 $ 30,681 $ 11,271 $ 17,384 $ 1,748 $ 6 $ 74,676 For the Year Ended December 31, 2019 One-to-Four Family Multifamily and Commercial Construction Commercial Business Home Equity Loans and Advances Other Consumer Loans Total (In thousands) Balance at beginning of period $ 15,232 $ 23,251 $ 7,217 $ 14,176 $ 2,458 $ 8 $ 62,342 Provision charged (credited) (429) (178) 216 5,250 (638) 3 4,224 Recoveries 30 10 2 404 50 — 496 Charge-offs (1,053) (103) — (3,994) (201) (2) (5,353) Balance at end of period $ 13,780 $ 22,980 $ 7,435 $ 15,836 $ 1,669 $ 9 $ 61,709 (7) Loans Receivable and Allowance for Loan Losses (continued) The following tables present loans individually evaluated for impairment by loan segment, excluding PCI loans, at December 31, 2021 and 2020: At December 31, 2021 Recorded Investment Unpaid Principal Balance Specific Allowance (In thousands) With no allowance recorded: Real estate loans: One-to-four family $ 1,882 $ 2,421 $ — Multifamily and commercial 14,623 15,351 — Commercial business loans 573 573 — Consumer loans: Home equity loans and advances 202 308 — 17,280 18,653 — With a specific allowance recorded: Real estate loans: One-to-four family 3,302 3,321 258 Multifamily and commercial 1,969 1,971 97 Commercial business loans 1,233 1,233 16 Consumer loans: Home equity loans and advances 503 503 7 7,007 7,028 378 Total: Real estate loans: One-to-four family 5,184 5,742 258 Multifamily and commercial 16,592 17,322 97 Commercial business loans 1,806 1,806 16 Consumer loans: Home equity loans and advances 705 811 7 Total loans $ 24,287 $ 25,681 $ 378 (7) Loans Receivable and Allowance for Loan Losses (continued) At December 31, 2020 Recorded Investment Unpaid Principal Balance Specific Allowance (In thousands) With no allowance recorded: Real estate loans: One-to-four family $ 3,344 $ 3,898 $ — Multifamily and commercial 13,058 13,094 — Commercial business loans 1,945 1,945 — Consumer loans: Home equity loans and advances 714 851 — 19,061 19,788 — With a specific allowance recorded: Real estate loans: One-to-four family 3,913 3,919 391 Multifamily and commercial 19,734 20,350 601 Commercial business loans 1,502 1,502 84 Consumer loans: Home equity loans and advances 937 937 12 26,086 26,708 1,088 Total: Real estate loans: One-to-four family 7,257 7,817 391 Multifamily and commercial 32,792 33,444 601 Commercial business loans 3,447 3,447 84 Consumer loans: Home equity loans and advances 1,651 1,788 12 Total loans $ 45,147 $ 46,496 $ 1,088 Specific allocations of the allowance for loan losses attributable to impaired loans totaled $378,000 and $1.1 million at December 31, 2021 and 2020, respectively. At December 31, 2021 and 2020, impaired loans for which there was no related allowance for loan losses totaled $17.3 million and $19.1 million, respectively. (7) Loans Receivable and Allowance for Loan Losses (continued) The following table presents interest income recognized for loans individually evaluated for impairment, by loan segment, excluding PCI loans for the years ended December 31, 2021, 2020 and 2019: For the Years Ended December 31, 2021 2020 2019 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized (In thousands) Real estate loans: One-to-four family $ 5,738 $ 285 $ 7,946 $ 305 $ 8,811 $ 434 Multifamily and commercial 25,333 838 23,701 1,091 2,639 147 Construction — — — — 850 — Commercial business loans 2,121 139 4,963 216 6,378 479 Consumer loans: Home equity loans and advances 1,119 43 1,909 100 2,562 143 Totals $ 34,311 $ 1,305 $ 38,519 $ 1,712 $ 21,240 $ 1,203 The recorded investment in TDRs totaled $22.4 million at December 31, 2021, of which no loans were over 90 days past due, and one loan with a balance of $36,000 was 30-59 days past due. The remaining loans modified were current at the time of restructuring and have complied with the terms of their restructure agreement at December 31, 2021. The recorded investment in TDRs totaled $45.4 million at December 31, 2020, of which one loan with a balance of $91,000 was over 90 days past due, and three loans totaling $11.9 million were 30-59 days past due. The remaining loans modified were current at the time of restructuring and have complied with the terms of their restructure agreement at December 31, 2020. The following tables present loans receivable by credit quality risk indicator and by loan segment, excluding PCI loans at December 31, 2021 and 2020: December 31, 2021 One-to-Four Family Multifamily and Commercial Construction Commercial Business Home Equity Loans and Advances Other Consumer Loans Total (In thousands) Pass $ 2,087,547 $ 3,130,414 $ 294,940 $ 434,930 $ 276,225 $ 1,428 $ 6,225,484 Special mention 202 54,046 107 6,713 — — 61,068 Substandard 4,568 26,884 — 10,589 338 — 42,379 Doubtful — — — — — — — Total $ 2,092,317 $ 3,211,344 $ 295,047 $ 452,232 $ 276,563 $ 1,428 $ 6,328,931 (7) Loans Receivable and Allowance for Loan Losses (continued) December 31, 2020 One-to-Four Family Multifamily and Commercial Construction Commercial Business Home Equity Loans and Advances Other Consumer Loans Total (In thousands) Pass $ 1,935,032 $ 2,758,905 $ 328,711 $ 740,010 $ 320,092 $ 1,497 $ 6,084,247 Special mention 404 40,392 — 6,718 — — 47,514 Substandard 4,891 18,668 — 6,142 1,085 — 30,786 Doubtful — — — — — — — Total $ 1,940,327 $ 2,817,965 $ 328,711 $ 752,870 $ 321,177 $ 1,497 $ 6,162,547

Office Properties and Equipment

Office Properties and Equipment, net	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Office Properties and Equipment, net	Office Properties and Equipment, net Office properties and equipment less accumulated depreciation at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 2020 (In thousands) Land $ 12,900 $ 10,174 Buildings 36,897 31,523 Land and building improvements 36,683 35,307 Leasehold improvements 22,636 22,166 Furniture and equipment 36,157 33,971 145,273 133,141 Less accumulated depreciation and amortization (66,565) (57,167) Total office properties and equipment, net $ 78,708 $ 75,974 Land and building improvements at December 31, 2021 and 2020 included $923,000 and $2.6 million, respectively, in construction in progress for the renovation of Columbia Bank's corporate headquarters and various other facilities. At December 31, 2020, $1.9 million included in buildings, are properties classified as held-for-sale, and carried at fair value. These properties were sold during the year ended December 31, 2021.

Leases

Leases	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Leases	Leases Effective January 1, 2020, the Company adopted ASU 2016-02 Leases (Topic 842) and all subsequent ASU's that modified Topic 842, as explained in note 2, Summary of Significant Accounting Policies, Accounting Pronouncements Adopted . The Company's leases primarily relate to real estate property for branches and office space. At December 31, 2021 and 2020, all of the Company's leases are classified as operating leases. The Company determines if an arrangement is a lease at inception. Topic 842 requires lessees to recognize a right-of-use asset and a lease liability, measured at the present value of the future minimum lease payments, at the lease commencement date. At the time of adoption, an operating lease right-of-use asset of $22.2 million and operating lease liabilities of $23.3 million were recorded in other assets other liabilities At December 31, 2021 and 2020, the weighted average remaining lease term for operating leases was 7.0 years and 7.5 years, respectively, and the weighted average discount rate used in the measurement of operating lease liabilities was 2.13% and 2.26% respectively. The Company elected to account for the lease and non-lease components separately since such amounts are readily determinable under the Company's lease contracts. Operating lease expense is recognized on a straight-line basis over the lease term, while variable lease payments are recognized as incurred. Variable lease payments include common area maintenance charges, real estate taxes, repairs and maintenance costs and utilities. Operating and variable lease expenses are recorded in occupancy expense in the Consolidated Statements of Income. During both the years ended December 31, 2021and 2020, operating and variable lease expenses totaled approximately $2.4 million. There were no sale and leaseback transactions, leveraged leases or lease transactions with related parties during the years ended December 31, 2021 and 2020. At December 31, 2021, the Company had entered into a lease related to an additional branch office location which had not yet commenced. The Company will record a right of use asset and lease liability for this lease obligation. The following table summarizes lease payment obligations for each of the next five years and thereafter as follows: Lease Payment Obligations at December 31, 2021 2020 (In thousands) One year or less $ 4,198 $ 4,010 After one year to two years 3,950 3,624 After two years to three years 3,150 3,310 After three years to four years 2,479 2,586 After four years to five years 2,177 1,914 Thereafter 5,340 6,620 Total undiscounted cash flows 21,294 22,064 Discount on cash flows (1,709) (1,992) Total lease liability $ 19,585 $ 20,072 At December 31, 2019, operating lease commitments under lessee arrangements were $4.9 million, $4.5 million, $4.0 million, $3.5 million and $2.7 million for 2020 through 2024, respectively, and $5.0 million in aggregate for all years thereafter.

Goodwill and Intangible Assets

Goodwill and Intangible Assets	12 Months Ended
	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangible Assets	Goodwill and Intangible Assets Intangible assets at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 2020 (In thousands) Goodwill $ 85,324 $ 80,285 Core deposit intangibles 5,214 6,197 Mortgage servicing rights 1,155 902 $ 91,693 $ 87,384 Mortgage servicing rights' amortization expense for the years ended December 31, 2021, 2020, and 2019 amounted to $266,000, $130,000, and $109,000, respectively. Core deposit intangible amortization expense for the years ended December 31, 2021, 2020, and 2019 amounted to $1.0 million, $1.0 million and $222,000, respectively. Scheduled amortization of core deposit intangibles for each of the next five years and thereafter is as follows: Year Ended December 31, Core Deposit Intangible Amortization (In thousands) 2022 $ 968 2023 899 2024 825 2025 743 2026 651 Thereafter 1,128 Total $ 5,214

Deposits

Deposits	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Deposits	Deposits Deposits at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 2020 Balance Weighted Average Rate Balance Weighted Average Rate (Dollars in thousands) Non-interest-bearing demand $ 1,712,061 — % $ 1,354,605 — % Interest-bearing demand 2,599,987 0.25 2,189,164 0.40 Money market accounts 657,156 0.22 588,180 0.36 Savings and club deposits 822,833 0.06 688,309 0.16 Certificates of deposit 1,778,179 0.73 1,958,366 1.44 Total deposits $ 7,570,216 0.28 % $ 6,778,624 0.59 % Included in the above balances at December 31, 2021 and 2020 are certificates of deposit obtained through brokers, totaling $5.0 million and $26.3 million, respectively, that were acquired from Stewardship. The aggregate amount of certificates of deposit that meet or exceed $100,000 totaled approximately $932.4 million and $1.0 billion at December 31, 2021 and 2020, respectively. Scheduled maturities of certificates of deposit accounts at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 2020 (In thousands) One year or less $ 1,087,631 $ 1,494,129 After one year to two years 418,515 337,579 After two years to three years 143,950 52,809 After three years to four years 36,277 23,018 After four years 91,806 50,831 $ 1,778,179 $ 1,958,366 Interest expense on deposits for the years ended December 31, 2021, 2020, and 2019 are summarized as follows: Years Ended December 31, 2021 2020 2019 (In thousands) Demand (including money market accounts) $ 10,077 $ 15,556 $ 19,922 Savings and club deposits 731 1,023 770 Certificates of deposit 18,301 38,667 40,859 $ 29,109 $ 55,246 $ 61,551

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Borrowings	Borrowings Borrowings at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 2020 2021 2020 Balance Weighted Average Interest Rate (In thousands) FHLB advances $ 340,495 $ 792,412 1.17 % 1.18 % Notes payable 29,841 — 3.35 — Junior subordinated debentures 6,973 6,952 3.07 3.20 $ 377,309 $ 799,364 1.38 % 1.20 % At December 31, 2021 and 2020, the Company had no outstanding overnight lines of credit with the FHLB. Interest expense on the overnight advances for the years ended December 31, 2021, 2020, and 2019, were $7,000, $425,000, and $1.8 million, respectively. At December 31, 2021, the each of the Banks could borrow funds from the FHLB under an overnight advance program up to the Bank's maximum borrowing capacities based on their ability to collateralize such borrowings. Members in good standing can borrow up to 50% of their asset size as long as they have qualifying collateral to support the advance and purchase of FHLB capital. Additionally, at both December 31, 2021 and 2020, Columbia Bank had unused correspondent bank lines of credit with an aggregate overnight borrowing capacity of $250.0 million, and Freehold Bank had an unused correspondent line of credit with an aggregate over night borrowing capacity of $15.0 million. At December 31, 2021, FHLB advances were at fixed rates with maturities between January 2022 and August 2027 and at December 31, 2020, FHLB advances were at fixed rates with maturities between January 2021 and February 2025. At December 31, 2021 and 2020, FHLB advances were collateralized by FHLB capital stock owned by each of the banks, and Columbia Bank loans with carrying values totaling $1.9 billion and $2.1 billion, respectively. At December 31, 2021, FHLB advances were collateralized with Freehold loans with carrying values totaling $25.1 million. Loans securing advances consists of one-to-four family, multifamily and commercial and home equity real estate loans. At December 31, 2021 and 2020, FHLB advances were also collateralized by Columbia securities with carrying values totaling $148.1 million and $222.4 million, respectively. At December 31, 2021, FHLB advances were also collateralized by Freehold securities with carrying values totaling $44.1 million. Interest expense on fixed rate FHLB advances for the years ended December 31, 2021, 2020, and 2019, were $7.6 million, $17.7 million, and $25.2 million, respectively. At December 31, 2021 and 2020, short-term FHLB advances totaling $190.0 million and $430.0 million, respectively, were designated as hedged items as part of a cash flow hedging program. See note 21 for information regarding these transactions. Scheduled maturities of FHLB advances at December 31, 2021 are summarized as follows: Year Ended December 31, 2021 (In thousands) One year or less $ 228,725 After one year to two years 33,804 After two years to three years 38,602 After three years to four years 28,053 After four years 11,311 Total FHLB advances $ 340,495 (12) Borrowings (continued) During 2021, the Company entered into a $30.0 million unsecured term note with a third party at a fixed interest rate of 3.35% and a maturity date of December 21, 2024. At December 31, 2021 the carrying value of a term note was $29.8 million. Interest expense on the term note, for the year ended December 31, 2021, was $25,000. During 2021, the Company also established a $30.0 million unsecured revolving credit facility with a third party at a variable rate indexed to the prime rate as published by The Wall Street Journal. The Company did not draw on this facility during 2021. At both December 31, 2021 and 2020, the carrying value of junior subordinated debt balances was $7.0 million. The balance outstanding at December 31, 2021 and 2020 represents debentures issued in 2003 by Stewardship Statutory Trust (the "Trust"), a statutory business trust that was acquired in the Stewardship merger. These floating rate debentures mature on September 17, 2033 and adjust quarterly at a rate of three month LIBOR plus 2.95%. At December 31, 2021 and 2020 the rate of interest was 3.07% and 3.20%, respectively. Interest expense for the years ended December 31, 2021, 2020, and 2019 were $245,000, $295,000, $65,000, respectively.

Stockholders' Equity

Stockholders' Equity	12 Months Ended
	Dec. 31, 2021
Equity [Abstract]
Stockholders' Equity	Stockholders' Equity Regulatory Capital The Company and its subsidiary Banks (Columbia Bank and Freehold Bank) are subject to various regulatory capital requirements administered by the federal banking regulators, including a risk-based capital measure. The Federal Reserve establishes capital requirements, including well capitalized standards, for the consolidated financial holding company, and the Office of the Comptroller of the Currency (the "OCC") has similar requirements for the Company's subsidiary banks. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's Consolidated Statements of Financial Condition. Federal regulators require federally insured depository institutions to meet several minimum capital standards: (1) total capital to risk-weighted assets of 8.0%; (2) tier 1 capital to risk-weighted assets of 6.0%; (3) common equity tier 1 capital to risk-weighted assets of 4.5%; and (4) tier 1 capital to adjusted total assets of 4.0%. In addition to establishing the minimum regulatory capital requirements, the regulations limit capital distributions and certain discretionary bonus payments to management if the institution does not hold a "capital conservation buffer" consisting of 2.5% of common equity tier 1 capital to risk-weighted assets above the amount necessary to meet its minimum risk-based capital requirements. The regulators established a framework for the classification of savings institutions into five categories: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized. Generally, an institution is considered well capitalized if it has: a total capital to risk-weighted assets ratio of at least 10.0%, a tier 1 capital to risk-weighted assets ratio of at least 8.0%, a common tier 1 capital to risk-weighted assets ratio of at least 6.5%, and a tier 1 capital to adjusted total assets ratio of at least 5.0%. As of December 31, 2021 and 2020, each of the Company and the Banks exceeded all capital adequacy requirements to which it is subject. Based upon most recent notification from federal banking regulators, the Banks were categorized as well capitalized under the regulatory framework for prompt corrective action. There are no conditions existing or events which have occurred since notification that management believes have changed the Bank's category. The following table presents the Company's and Columbia Bank's actual capital amounts and ratios at December 31, 2021 and 2020, and Freehold Bank's actual amounts and ratios at December 31, 2021 compared to the Federal Reserve Bank minimum capital adequacy requirements and the Federal Reserve Bank requirements for classification as a well-capitalized institution: (13) Stockholders' Equity (continued) Regulatory Capital (continued) Actual Minimum Capital Adequacy Requirements Minimum Capital Adequacy Requirements With Capital Conservation Buffer To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio Company (In thousands, except ratio data) At December 31, 2021: Total capital (to risk-weighted assets) $ 1,104,863 17.13 % $ 515,924 8.00 % $ 677,151 10.50 % N/A N/A Tier 1 capital (to risk-weighted assets) 1,041,650 16.15 386,943 6.00 548,170 8.50 N/A N/A Common equity tier 1 capital (to risk-weighted assets) 1,034,433 16.04 290,207 4.50 451,434 7.00 N/A N/A Tier 1 capital (to adjusted total assets) 1,041,650 11.23 370,909 4.00 370,909 4.00 N/A N/A At December 31, 2020: Total capital (to risk-weighted assets) $ 1,070,361 18.54 % $ 461,766 8.00 % $ 606,068 10.50 % N/A N/A Tier 1 capital (to risk-weighted assets) 998,172 17.29 346,325 6.00 490,627 8.50 N/A N/A Common equity tier 1 capital (to risk-weighted assets) 990,955 17.17 259,744 4.50 404,046 7.00 N/A N/A Tier 1 capital (to adjusted total assets) 998,172 11.38 350,923 4.00 350,923 4.00 N/A N/A Columbia Bank At December 31, 2021: Total capital (to risk-weighted assets) $ 962,137 15.39 % $ 500,127 8.00 % $ 656,417 10.50 % $ 625,159 10.00 % Tier 1 capital (to risk-weighted assets) 898,935 14.38 375,095 6.00 531,385 8.50 500,127 8.00 Common equity tier 1 capital (to risk-weighted assets) 898,935 14.38 281,322 4.50 437,611 7.00 406,353 6.50 Tier 1 capital (to adjusted total assets) 898,935 9.80 366,961 4.00 366,961 4.00 458,701 5.00 At December 31, 2020: Total capital (to risk-weighted assets) $ 924,959 16.05 % $ 460,944 8.00 % $ 604,989 10.50 % $ 576,180 10.00 % Tier 1 capital (to risk-weighted assets) 852,897 14.80 345,708 6.00 489,753 8.50 460,944 8.00 Common equity tier 1 capital (to risk-weighted assets) 852,897 14.80 259,281 4.50 403,326 7.00 374,517 6.50 Tier 1 capital (to adjusted total assets) 852,897 9.72 350,815 4.00 350,815 4.00 438,519 5.00 (13) Stockholders' Equity (continued) Regulatory Capital (continued) Actual Minimum Capital Adequacy Requirements Minimum Capital Adequacy Requirements With Capital Conservation Buffer To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio Freehold Bank (In thousands, except ratio data) At December 31, 2021: Total capital (to risk-weighted assets) 41,549 22.87 % $ 14,534 8.00 % 19,076 10.50 % 18,168 10.00 % Tier 1 capital (to risk-weighted assets) 41,537 22.86 10,901 6.00 % 15,443 8.50 14,534 8.00 Common equity tier 1 capital (to risk-weighted assets) 41,537 22.86 8,176 4.50 % 12,717 7.00 11,809 6.50 Tier 1 capital (to adjusted total assets) 41,537 13.71 12,118 4.00 % 12,118 4.00 15,147 5.00 Stoc k Repurchase Program On June 11, 2019, the Company announced that its Board of Directors authorized the Company's first stock repurchase program since the completion of its minority public offering in April 2018. This program, which commenced on June 13, 2019, authorized the purchase of up to 4,000,000 shares, or approximately 3.5%, of the Company's then issued and outstanding common stock. On December 5, 2019, the Company announced that the Board of Directors had expanded its stock repurchase program to authorize the purchase of an additional 3,000,000 shares of the Company's outstanding common stock in addition to the shares remaining under the repurchase program announced on June 11, 2019. On April 23, 2020, the Company completed the repurchases under this stock repurchase program. On September 10, 2020, the Company announced that its Board of Directors authorized the Company's second stock repurchase program for the purchase of up to 5,000,000 shares, or approximately 4.3%, of the Company's then issued and outstanding common stock, commencing on September 15, 2020. On February 5, 2021, the Company completed the repurchases under the second stock repurchase program. On February 1, 2021, the Company announced that its Board of Directors authorized the Company's third stock repurchase program to acquire up to 5,000,000 shares, or approximately 4.5%, of the Company's then issued and outstanding common stock, commencing upon the completion of the Company's second stock repurchase program. On December 21, 2021, the Company completed the repurchases under the third stock repurchase program. On December 6, 2021, the Company announced that its Board of Directors authorized the Company's fourth stock repurchase program to acquire up to 5,000,000 shares, or approximately 4.6%, of the Company's then issued and outstanding common stock, commencing upon the completion of the Company's third stock repurchase program. As of December 31, 2021, there were 4,813,939 shares remaining to be repurchased under this existing program.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2021
Retirement Benefits [Abstract]
Employee Benefit Plans	Employee Benefit Plans Pension Plan, Retirement Income Maintenance Plan (the "RIM Plan"), Post-retirement Plan, Split-Dollar Life Insurance Plans The Company maintains a single employer, tax-qualified defined benefit pension plan (the "Pension Plan") which covers full-time employees that satisfy the Pension Plan's eligibility requirements. The benefits are based on years of service and the employee's average compensation for the highest five The Company's policy is to fund at least the minimum contribution required by the Employee Retirement Income Security Act of 1974. GAAP requires an employer to: (a) recognize in its statement of financial position the over-funded or under-funded status of a defined benefit post-retirement plan measured as the difference between the fair value of plan assets and the benefit obligation; (b) measure a plan’s assets and its obligations that determine its funded status at the end of the employer’s fiscal year (with limited exceptions); and (c) recognize as a component of other comprehensive income (loss), net of tax, the actuarial gains and losses and the prior service costs and credits that arise during the period. The assets of the plan are primarily invested in fixed income and equity funds. The Company also has a Retirement Income Maintenance Plan (the "RIM" Plan), which is a non-qualified defined benefit plan which provides benefits to all employees of the Company if their benefits under the Pension Plan are limited by Internal Revenue Code 415 and 401(a)(17). In addition, the Company provides certain health care and life insurance benefits to eligible retired employees under a Post-retirement Plan. The Company accrues the cost of retiree health care and other benefits during the employees’ period of active service. Effective January 1, 2019, the Post-retirement Plan has also been closed to new hires. The Company also provides life insurance benefits to eligible employees under an endorsement split-dollar life insurance program. The Company also provides life insurance benefits to eligible employees under an endorsement split-dollar life insurance program. The Company recognizes a liability for future benefits applicable to endorsement split-dollar life insurance arrangements that provide death benefits post-retirement. Through its mergers, the Company recognized an additional liability for future benefits applicable to endorsement split-dollar life insurance arrangements that provide death benefits post-retirement under those respective Bank's program. The following table sets forth information regarding the Pension, RIM, Post-retirement and Split-Dollar Life Insurance Plans at December 31, 2021 and 2020: (14) Employee Benefit Plans (continued) Pension Plan, Retirement Income Maintenance Plan (the "RIM Plan") Post-retirement Plan, Split-Dollar Life Insurance Plans (cont'd) December 31, 2021 2020 2021 2020 2021 2020 2021 2020 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance (In thousands) Change in benefit obligation: Benefit obligation at beginning of year $ 312,440 $ 263,826 $ 16,530 $ 13,696 $ 30,621 $ 24,603 $ 19,981 $ 14,100 Acquired — — — — — — — 1,981 Service cost 8,044 7,985 398 267 520 394 562 467 Interest cost 7,317 7,608 343 405 562 683 500 507 Actuarial (gain) loss (9,023) 40,281 (1,292) 2,506 (4,805) 5,506 (903) 3,137 Benefits paid (8,362) (7,260) (329) (344) (563) (565) — (211) Benefit obligation at end of year 310,416 312,440 15,650 16,530 26,335 30,621 20,140 19,981 Change in plan assets: Fair value of plan assets at beginning of year 411,907 356,347 — — — — — — Actuarial return on plan assets 53,587 50,820 — — — — — — Employer contributions 35,000 12,000 329 344 563 565 — 211 Benefits paid (8,362) (7,260) (329) (344) (563) (565) — (211) Fair value of plan assets at end of year 492,132 411,907 — — — — — — Funded status at end of year $ 181,716 $ 99,467 $ (15,650) $ (16,530) $ (26,335) $ (30,621) $ (20,140) $ (19,981) At December 31, 2021 and 2020, the unfunded liability for the RIM Plan and Post-retirement Plan of $15.7 million and $26.3 million, and $16.5 million and $30.6 million, respectively, were included in other liabilities in the Consolidated Statements of Financial Condition, and the over-funded pension benefits associated with the Pension Plan totaling $181.7 million and $99.5 million respectively, were included in other assets in the Consolidated Statements of Financial Condition. The components of accumulated other comprehensive income related to the Pension Plan, RIM Plan, and Post-retirement Plan on a pre-tax basis, at December 31, 2021, 2020, and 2019, are summarized in the following table: At December 31, 2021 2020 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance (In thousands) Unrecognized prior service costs $ — $ — $ — $ 350 $ — $ — $ — $ 405 Unrecognized net actuarial income 38,909 5,730 6,999 7,071 76,686 7,686 12,417 8,741 Total accumulated other comprehensive income $ 38,909 $ 5,730 $ 6,999 $ 7,421 $ 76,686 $ 7,686 $ 12,417 $ 9,146 (14) Employee Benefit Plans (continued) Pension Plan, Retirement Income Maintenance Plan (the "RIM Plan") Post-retirement Plan, Split-Dollar Life Insurance Plans (cont'd) At December 31, 2019 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance (In thousands) Unrecognized prior service costs $ — $ — $ — $ 461 Unrecognized net actuarial income 68,752 5,777 7,221 6,058 Total accumulated other comprehensive income $ 68,752 $ 5,777 $ 7,221 $ 6,519 Net periodic benefit (income) cost for the Pension Plan, RIM Plan, Post-retirement Plan and Split-Dollar Life Insurance plan benefits for the years ended December 31, 2021 and 2020, and 2019, includes the following components: For the Year Ended December 31, 2021 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance Affected Line Item in the Consolidated Statements of Income (In thousands) Service cost $ 8,044 $ 398 $ 520 $ 562 Compensation and employee benefits Interest cost 7,317 343 562 500 Other non-interest expense Expected return on plan assets (26,833) — — — Other non-interest expense Amortization: Prior service cost — — — 56 Other non-interest expense Net loss 2,001 664 613 765 Other non-interest expense Net periodic (income) benefit cost $ (9,471) $ 1,405 $ 1,695 $ 1,883 For the Year Ended December 31, 2020 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance Affected Line Item in the Consolidated Statements of Income (In thousands) Service cost $ 7,985 $ 267 $ 394 $ 467 Compensation and employee benefits Interest cost 7,608 405 683 507 Other non-interest expense Expected return on plan assets (23,375) — — — Other non-interest expense Amortization: Prior service cost — — — 56 Other non-interest expense Net loss 4,902 397 309 454 Other non-interest expense Net periodic (income) benefit cost $ (2,880) $ 1,069 $ 1,386 $ 1,484 (14) Employee Benefit Plans (continued) Pension Plan, Retirement Income Maintenance Plan (the "RIM Plan") Post-retirement Plan, Split-Dollar Life Insurance Plans (cont'd) For the Year Ended December 31, 2019 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance Affected Line Item in the Consolidated Statements of Income (In thousands) Service cost $ 6,494 $ 210 $ 339 $ 354 Compensation and employee benefits Interest cost 8,569 466 826 457 Other non-interest expense Expected return on plan assets (21,058) — — — Other non-interest expense Amortization: Prior service cost — — — 56 Other non-interest expense Net loss 3,070 244 147 247 Other non-interest expense Net periodic (income) benefit cost $ (2,925) $ 920 $ 1,312 $ 1,114 The weighted average actuarial assumptions used in the plan determinations at and for the years ended December 31, 2021, 2020, and 2019 were as follows: At and For the Years Ended December 31, 2021 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance Weighted average assumptions used to determine benefit obligation: Discount rate 3.140 % 2.970 % 2.900 % 3.220 % Rate of compensation increase 3.750 3.750 N/A 3.750 Weighted average assumptions used to determine net periodic benefit cost: Discount Rates: Benefit obligation 2.920 % 2.670 % 2.590 % 3.010 % Remeasurement rate 3.200 N/A N/A N/A Service cost 3.210 2.930 2.960 3.260 Remeasurement rate 3.460 N/A N/A N/A Interest cost 2.280 2.100 1.880 2.530 Remeasurement rate 2.550 N/A N/A N/A Expected rate of return on plan assets 6.200 N/A N/A N/A Rate of compensation increase 3.750 3.750 N/A 3.750 (14) Employee Benefit Plans (continued) Pension Plan, Retirement Income Maintenance Plan (the "RIM Plan") Post-retirement Plan, Split-Dollar Life Insurance Plans (cont'd) At and For the Years Ended December 31, 2020 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance Weighted average assumptions used to determine benefit obligation: Discount rate 2.920 % 2.670 % 2.590 % 3.010 % Rate of compensation increase 3.750 3.750 N/A 3.750 Weighted average assumptions used to determine net periodic benefit cost: Discount Rates: Benefit obligation 3.490 % 3.330 % 3.270 % 3.540 % Remeasurement rate 2.740 N/A N/A N/A Service cost 3.660 3.460 3.520 3.710 Remeasurement rate 2.970 N/A N/A N/A Interest cost 3.120 3.000 2.850 3.280 Remeasurement rate 2.220 N/A N/A N/A Expected rate of return on plan assets 6.500 N/A N/A N/A Rate of compensation increase 3.500 3.500 N/A 3.500 At and For the Years Ended December 31, 2019 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance Weighted average assumptions used to determine benefit obligation: Discount rate 3.490 % 3.330 % 3.270 % 3.540 % Rate of compensation increase 3.500 3.500 N/A 3.500 Weighted average assumptions used to determine net periodic benefit cost: Discount Rates: Benefit obligation 4.570 % 4.470 % 4.410 % 4.630 % Remeasurement rate 3.850 N/A N/A N/A Service cost 4.700 4.570 4.600 4.740 Remeasurement rate 4.040 N/A N/A N/A Interest cost 4.250 4.180 4.050 4.390 Remeasurement rate 3.440 N/A N/A N/A Expected rate of return on plan assets 7.000 N/A N/A N/A Rate of compensation increase 3.500 3.500 N/A 3.500 (14) Employee Benefit Plans (continued) Pension Plan, Retirement Income Maintenance Plan (the "RIM Plan") Post-retirement Plan, Split-Dollar Life Insurance Plans (cont'd) The Company provides its actuaries with certain rate assumptions used in measuring the respective benefit obligations. The most significant of these is the discount rate used to calculate the period-end present value of the benefit obligations, and the expense to be included in the following year's financial statements. A lower discount rate will result in a higher benefit obligation and expense, while a higher discount rate will result in a lower benefit obligation and expense. The discount rate assumption was determined based on a cash flow-yield curve model specific to the Company's pension and post-retirement plans. The Company compares this rate to certain market indices, such as long-term treasury bonds, or pension liability indices, for reasonableness. The Company's expected return on plan assets assumption is based on historical investment return rate experience and evaluation of input from the trustee managing the pension plan's assets and Columbia Bank's Pension Committee which has responsibility for managing these assets. The expected return on pension plan assets is also impacted by the target allocation of assets, which is based on the Company's goal of earning the highest rate of return while maintaining risk at acceptable levels. Estimated future benefit payments, which reflect expected future service, as appropriate for the next five years and thereafter are as follows: For the Year Ended December 31, Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance (In thousands) 2022 $ 9,026 $ 399 $ 1,354 $ 313 2023 10,502 496 1,379 365 2024 11,224 634 1,442 413 2025 11,855 736 1,503 458 2026 12,497 780 1,554 512 2027 - 2031 71,132 4,267 7,840 2,695 The weighted average asset allocation of pension assets at December 31, 2021 and 2020 were as follows: December 31, 2021 2020 Domestic equities 44.2 % 44.1 % Foreign equities 12.2 13.4 Fixed income 40.7 37.8 Real estate 2.4 4.4 Cash 0.5 0.3 Total 100.0 % 100.0 % (14) Employee Benefit Plans (continued) Pension Plan, Retirement Income Maintenance Plan (the "RIM Plan") Post-retirement Plan, Split-Dollar Life Insurance Plans (cont'd) Management, under the direction of Columbia Bank's Pension Committee strives to have pension assets sufficiently diversified so that adverse or unexpected results from one security class will not have a significant detrimental impact on the entire portfolio. The target allocation of assets and acceptable ranges around the targets are as follows: Allowable Range Equities 40-60% Fixed income 40-60% Real estate 0-10% Cash 0-15% Columbia Bank's Pension Committee engages an investment management advisory firm to regularly monitor the performance of the asset managers and ensure they are within compliance with policy. The maximum and minimum of the range for each class is based on the fair value of the assets in the fund. If changes in fair value should lead to allocations outside these boundaries, management shall adjust exposure back to the established guidelines within 90 days or reevaluate the guidelines. The following tables present the assets that are measured at fair value on a recurring basis by level within the U.S. GAAP fair value hierarchy as reported on the Statements of Net Assets Available for Plan Benefits at December 31, 2021 and 2020, respectively. A financial instrument's level within the fair value hierarchy's is based on the lowest level of input that is significant to the fair value measurement. December 31, 2021 Fair Value Measurements Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (In thousands) Money market mutual funds $ 2,537 $ 2,537 $ — $ — Mutual funds - value stock fund 36,477 36,477 — — Mutual funds - fixed income 200,349 200,349 — — Mutual funds - international stock 60,042 60,042 — — Mutual funds - institutional stock index 181,013 181,013 — — Commingled real estate funds 11,714 — 11,714 — $ 492,132 $ 480,418 $ 11,714 $ — (14) Employee Benefit Plans (continued) Pension Plan, Retirement Income Maintenance Plan (the "RIM Plan") Post-retirement Plan, Split-Dollar Life Insurance Plans (cont'd) December 31, 2020 Fair Value Measurements Fair value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (In thousands) Money market mutual funds $ 1,434 $ 1,434 $ — $ — Mutual funds - value stock fund 29,914 29,914 — — Mutual funds - fixed income 155,864 155,864 — — Mutual funds - international stock 55,300 55,300 — — Mutual funds - institutional stock index 151,436 151,436 — — Commingled real estate funds 17,959 — 17,959 — $ 411,907 $ 393,948 $ 17,959 $ — Money market and other mutual funds are reported at fair value in the tables above utilizing exchange quoted prices in active markets for identical instruments (Level 1 inputs). The commingled real estate funds are reported at their respective net asset values (Level 2 inputs). Bank-owned life insurance ("BOLI") The Company has BOLI which is a tax-advantaged transaction that is used to partially fund obligations associated with employee compensation and benefit programs. Policies are purchased insuring officers of the Company using a single premium method of payment. BOLI is accounted for using the cash surrender value and the increase in cash surrender value is included in non-interest income in the Company's Consolidated Statements of Income. At December 31, 2021 and 2020, the Company had $247.5 million and $232.8 million, respectively, in BOLI. BOLI income for the years ended December 31, 2021, 2020, and 2019 was $6.0 million, $6.6 million, and $5.8 million, respectively. Savings Income Maintenance Deferred Compensation Plan (the "SIM Plan") Columbia Bank also maintains a non-qualified defined contribution plan that provides supplemental benefits to certain executives who are prevented from receiving the full benefits contemplated by the 401(k) Plan under tax law limits for tax-qualified plans. The contribution expense for the years ended December 31, 2021, 2020, and 2019 was approximately $12,000, $4,000, and $11,000, respectively. 401(k) Plans Columbia Bank and Freehold Bank both have a 401(k) plan covering substantially all employees of each Bank. Columbia Bank may match a percentage of the first 3.00% to 4.50% contributed by participants. Columbia’s matching contribution, if any, is determined by the Board of Directors in its sole discretion. Freehold does not presently match any portion of employee contribution, but may provide an annual match determined by their Board of Directors in its sole discretion. The expense for the years ended December 31, 2021, 2020, and 2019 was approximately $1.9 million, $1.7 million, and $1.4 million, respectively. (14) Employee Benefit Plans (continued) Employee Stock Ownership Plan ("ESOP") Effective upon the consummation of the Company's reorganization in April 2018, an ESOP was established for all eligible employees. The ESOP used $45.4 million in proceeds from a 20 years term loan obtained from the Company to purchase 4,542,855 shares of Company common stock. The term loan principal is payable in installments through April 2038. Interest on the term loan is fixed at a rate of 4.75%. Each year, Columbia Bank makes discretionary contributions to the ESOP, which are equal to principal and interest payments required on the term loan. Shares purchased with the loan proceeds were initially pledged as collateral for the term loan and is held in a suspense account for future allocation among participants. Contributions to the ESOP and shares released form the suspense account are allocated among the participants on the basis of compensation, as described by the ESOP, in the year of allocation. The ESOP shares pledged as collateral are reported as unearned ESOP shares in the Consolidated Statements of Financial Condition. As shares are committed to be released from collateral, the Company reports compensation expense equal to the average market price of the shares during the year, and the shares become outstanding for basic net income per common share computations. ESOP compensation expense for the years ended December 31, 2021, 2020, and 2019 was $4.1 million, $3.2 million and $3.6 million, respectively. The ESOP shares were as follows: At December 31, 2021 2020 (In thousands) Allocated shares 802 606 Unearned shares 3,702 3,929 Total ESOP shares 4,504 4,535 Fair value of unearned ESOP shares $ 77,226 $ 61,139 SERP Plans Columbia Bank has a SERP, which is a non-qualified plan which provides supplemental retirement benefits to eligible officers (those designated by the Board of Directors) of the Company who are prevented from receiving the full benefits contemplated by the ESOP's benefit formulas under tax law limits for tax-qualified plans. SERP compensation expense for the years ended December 31, 2021, 2020, and 2019 was $348,000, $215,000, and $267,000, respectively. Through the acquisition of Roselle, the Company acquired a non-contributory defined benefit supplemental executive retirement plan with the only participant being the former president of Roselle Bank. For the years ended December 31, 2021 and 2020, the Company recorded a net periodic benefit cost of $9,000 and $11,000, respectively, in connection with this plan. Freehold Bank has a non-contributory defined benefit supplemental executive plan with the only participant being the former president of Freehold Bank. For the year ended December 31, 2021, the Company recorded a net periodic benefit cost of $1,000 in connection with this plan. Director Retirement Income Plan Freehold Bank maintains a Director Retirement Income Plan, which provides directors a benefit equal to $12,000 per annum, payable in equal installments over 120 months when the director reaches Emeritus Age as defined by the plan. For the year ended December 31, 2021, the net periodic benefit cost recorded in connection with this plan was $1,000. (14) Employee Benefit Plans (continued) Director Deferred Retirement Plan Freehold Bank maintains a Director Deferred Retirement Plan, which provides directors a portion of their deferred director fees and a 10% return on all deferrals, payable in monthly installments over 120 months, when the director reaches benefit eligibility age as defined by the plan. At December 31, 2021, the Company had an accrued liability of $765,000 related to this plan. For the year ended December 31, 2021, there was no expense recorded under this plan. Stock Based Deferral Plan and Directors Deferred Compensation Plan In addition, Columbia Bank maintains a stock based deferral plan for certain executives and directors, and a cash based deferred compensation plan for directors. The Company records a deferred compensation equity account and corresponding contra-equity account for the cost of the shares held by the Stock Based Deferral Plan. Periodic adjustments to market are not required as participants do not have the option to take the distribution in cash. The Company records a liability for the amount deferred under the Directors Deferred Compensation Plan. There were no expenses recorded under these plans. Stock Based Compensation At the Company's annual meeting held on June 6, 2019, stockholders approved the Columbia Financial, Inc. 2019 Equity Incentive Plan ("2019 Plan") which provides for the issuance of up to 7,949,996 shares (2,271,427 restricted stock awards and 5,678,569 stock options) of common stock. On July 23, 2019, 1,389,570 shares of restricted stock were awarded, with a grant date fair value of $15.60 per share. To fund the grant of restricted common stock, the Company issued shares from authorized unissued shares. On December 16, 2019, 74,673 shares of restricted stock were awarded, with a grant date fair value of $17.00 per share. To fund the grant of restricted common stock, the Company reissued shares from treasury stock. On December 14, 2020, 33,160 shares of restricted stock were awarded, with a grant date fair value of $15.08 per share. To fund the grant, the Company reissued shares from treasury stock. On March 22, 2021, 50,203 shares of restricted stock were awarded, with a grant fair value of $17.86 per share. To fund the grant of restricted common stock, the Company reissued shares from treasury stock. Restricted shares granted under the 2019 Plan generally vest in equal installments, over the performance or service periods ranging from 1 year to 5 years, beginning 1 year from the date of grant. A portion of restricted shares awarded are performance vesting awards, which may or may not vest depending upon the attainment of certain corporate financial targets. Management recognizes compensation expense for the fair value of restricted shares on a straight line basis over the requisite performance or service period. During the years ended December 31, 2021, 2020, and 2019, approximately $5.7 million, $5.6 million, and $2.3 million, respectively, in expense was recognized in regard to these awards. The expected future compensation expense related to the 1,054,335 non-vested restricted shares outstanding at December 31, 2021 is approximately $8.7 million over a weighted average period of 1.9 years. (14) Employee Benefit Plans (continued) Stock Based Compensation (continued) The following is a summary of the Company's restricted stock activity during the years ended December 31, 2021 and 2020: Number of Restricted Shares Weighted Average Grant Date Fair Value Non-vested at January 1, 2020 1,420,012 $ 15.67 Grants 33,160 15.08 Vested (172,756) 15.66 Forfeited (17,247) 16.02 Non-vested at December 31, 2020 1,263,169 $ 15.66 Grants 50,203 17.86 Vested (193,528) 15.58 Forfeited (65,509) 15.62 Non-vested at December 31, 2021 1,054,335 $ 15.78 On July 23, 2019, options to purchase 3,707,901 shares of Company common stock were awarded with a grant date fair value of $4.25 per option. Stock options granted under the 2019 Plan vest in equal installments over the service period of five years beginning one year from the date of grant. Stock options were granted at an exercise price of $15.60, which represents the fair value of the Company's common stock price on the grant date based on the closing market price, and have an expiration period of 10 years. The fair value of stock options granted was estimated utilizing the Black-Scholes option pricing model using the following assumptions: expected life of 6.5 years, risk-free rate of return of 1.90%, volatility of 22.12%, and a dividend yield of 0.00%. On December 16, 2019, options to purchase 184,378 shares of Company common stock were awarded with a grant date fair value of $4.59 per option. Stock options granted under the 2019 Plan generally vest in equal installments over the service period of five years beginning one year from the date of grant. Stock options were granted at an exercise price of $17.00, which represents the fair value of the Company's common stock price on the grant date based on the closing market price, and have an expiration period of approximately 10 years. The fair value of stock options granted was estimated utilizing the Black-Scholes option pricing model using the following assumptions: expected life of 6.5 years, risk-free rate of return of 1.79%, volatility of 22.23%, and a dividend yield of 0.00%. On March 22, 2021, options to purchase 109,654 shares of Company common stock were awarded with a grant date fair value of $4.91 per option. Stock options granted under the 2019 Plan vest in equal installments over the service period of three years beginning one year from the date of grant. Stock options were granted at an exercise price of $17.86, which represents the fair value of the Company's common stock price on the grant date based on the closing market price, and have an expiration period of approximately 10 years. The fair value of stock options granted was estimated utilizing the Black-Scholes option pricing model using the following assumptions: expected life of 6.0 years, risk-free rate of return of 1.11%, volatility of 25.98%, and a dividend yield of 0.00%. The expected life of the options represents the period of time that stock options are expected to be outstanding and is estimated using the simplified approach, which assumes that all outstanding options will be exercised at the midpoint of the vesting date and full contractual term. The risk-free rate of return is based on the rates on the grant date of a U.S. Treasury Note with a term equal to the expected option life. Since the Company recently converted to a public Company and does not have sufficient historical price data, the expected volatility is based on the historical daily stock prices of a peer group of similar entities based on factors such as industry, stage of life cycle, size and financial leverage. The Company has not paid any cash dividends on its common stock. Management recognizes expense for the fair value of these awards on a straight line basis over the requisite service period. During the years ended December 31, 2021, 2020, and 2019, approximately $3.2 million, $3.2 million, and $1.4 million, respectively, in expense was recognized in regard to these awards. The expected future compensation expense related to the 2,210,231 non-vested options outstanding at December 31, 2021 is $8.1 million over a weighted average period of 2.6 years. (14) Employee Benefit Plans (continued) Stock Based Compensation (continued) The following is a summary of the Company's option activity during the years ended December 31, 2021 and 2020: Number of Stock Options Weighted Average Exercise Price Weighted Average Remaining Contractual Term (in years) Aggregate Intrinsic Value Outstanding January 1, 2020 3,784,044 $ 15.67 9.6 $ 4,812,490 Expired (10,457) 15.98 — — Forfeited (64,959) 15.84 — — Outstanding, December 31, 2020 3,708,628 $ 15.66 8.6 $ — Granted 109,654 17.86 — — Exercised (28,522) 15.60 — — Expired (20,894) 15.60 — — Forfeited (131,324) 15.66 — — Outstanding, December 31, 2021 3,637,542 $ 15.78 7.6 $ 18,654,905 Options exercisable at December 31, 2021 1,427,311 $ 15.67 7.5 $ 7,412,277 The aggregate intrinsic value in the table above represents the total pre-tax intrinsic value, the difference between the Company's closing stock price on the last trading day of the period and the exercise price, multiplied by the number of in-the-money options. During the year ended December 31, 2021, the aggregate intrinsic value of options exercised was $59,991. There were no stock option exercises during the years ended December 31, 2020 and 2019.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The current and deferred amounts of income tax expense for the years ended December 31, 2021, 2020, and 2019 are as follows: Years Ended December 31, 2021 2020 2019 (In thousands) Current: Federal $ 12,443 $ 5,072 $ 5,933 State 3,980 3,844 2,905 Total current 16,423 8,916 8,838 Deferred: Federal 12,594 9,847 8,275 State 5,115 (109) (748) Total deferred 17,709 9,738 7,527 Total income tax expense $ 34,132 $ 18,654 $ 16,365 The Company reported deferred tax expense (benefit) of $8.0 million, $(5.6) million, and $(5.5) million for the years ended December 31, 2021, 2020, and 2019, respectively, related to the unrealized gains (losses) on securities available for sale, which is reported in accumulated other comprehensive income (loss), net of tax. Additionally, the Company recorded a deferred tax (benefit) expense of $1.1 million, $900,000, and $779,000, respectively, related to the reclassification adjustment of actuarial net (loss) gain on employee benefit obligations, which is reported in accumulated other comprehensive income, net of tax. Deferred tax assets and/or liabilities for the years ended December 31, 2021, 2020, and 2019 also includes $1.5 million, $5.4 million, and $2.3 million respectively, recorded as a result of purchase accounting related to the Freehold, Roselle and Stewardship acquisitions. A reconciliation between the amount of reported total income tax expense and the amount computed by multiplying the applicable statutory federal income tax rate of 21% is as follows: Years Ended December 31, 2021 2020 2019 (In thousands) Tax expense at applicable statutory rate $ 26,498 $ 16,013 $ 14,927 Increase (decrease) in taxes resulting from: State tax, net of federal income tax benefit 7,185 2,951 1,704 ESOP fair market value adjustment 375 187 272 Tax exempt interest income (15) (11) (6) Income from Bank-owned life insurance (863) (1,075) (1,246) Dividend received deduction (14) (9) (8) Non-deductible merger-related expenses 53 42 222 Non-deductible compensation expense — — 398 Other, net 913 556 102 Total income tax expense $ 34,132 $ 18,654 $ 16,365 (15) Income Taxes (continued) The net deferred tax asset is included in other assets in the Consolidated Statements of Financial Condition. The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020 are as follows: At December 31, 2021 2020 (In thousands) Deferred tax assets: Allowance for loan losses $ 17,486 $ 20,878 Post-retirement benefits 5,974 5,544 Deferred compensation 3,519 2,779 Retirement Income Maintenance plan 2,767 2,471 ESOP 810 624 Stock-based compensation 2,288 1,699 Reserve for uncollected interest 28 126 Net unrealized losses on debt securities and defined benefit plans 17,809 18,511 Federal and State NOLs 9,667 9,719 Alternative minimum assessment carryforwards 2,156 2,156 Charitable contribution carryforward 4,529 6,359 Purchase accounting 1,551 1,024 Lease liability 5,462 5,609 Other items 4,077 3,215 Gross deferred tax assets 78,123 80,714 Valuation allowance (1,965) (2,002) 76,158 78,712 Deferred tax liabilities: Pension expense 61,530 49,225 Depreciation 6,655 6,118 Deferred loan costs 10,630 8,555 Intangible assets 1,594 1,597 Lease right-of-use asset 5,191 5,317 Other items 307 716 Total gross deferred tax liabilities 85,907 71,528 Net deferred tax (liability) asset $ (9,749) $ 7,184 Retained earnings at December 31, 2021 and 2020 includes approximately $21.5 million for which no provision for income tax has been made. This amount represents an allocation of income to bad debt deductions for tax purposes only. Events that would result in taxation of these reserves include the failure to qualify as a bank for tax purposes, distributions in complete or partial liquidation, stock redemptions and excess distributions to stockholders. Management believes that not all existing net deductible temporary differences that comprise the net deferred tax asset will reverse during periods in which the Company generates sufficient net taxable income. Accordingly, management has established a valuation allowance. Significant changes in the Company's operations and or economic conditions could affect the benefits of the recognized net deferred tax asset. Based on all available evidence, a valuation allowance was established for the portion of the state tax benefit that is not more likely than not to be realized. At both December 31, 2021 and 2020, the Company's valuation allowance totaled $2.0 million. Based upon projections of future taxable income and the ability to carryforward net operating losses indefinitely, management believes it is more likely than not the Company will realize the remaining deferred tax assets. (15) Income Taxes (continued) The Company had federal net operating losses from the acquisition of Roselle of approximately $9.9 million and $11.9 million at December 31, 2021 and 2020, respectively. These net operating losses are subject to an annual limitation under Code Section 382 and will begin to expire in 2036 if not used. The Company had New Jersey net operating loss carryforwards of $116.1 million and $108.4 million, respectively, at December 31, 2021 and 2020. If not utilized, these carryforwards will expire periodically through 2040. At both December 31, 2021 and 2020, the Company had approximately $2.2 million of New Jersey AMA Tax Credits. These credits do not expire. The Company files income tax returns in the United States federal jurisdiction and in the states of New Jersey, New York and Pennsylvania. At December 31, 2021, the Company is no longer subject to federal income tax examination for the years prior to 2018. Columbia Bank MHC and its subsidiaries' New York returns are currently under audit for the tax years 2016 through 2019. The Company is open for examination by the State of New Jersey for years after 2017 and by the State of Pennsylvania.

Financial Transactions with Off

Financial Transactions with Off-Balance-Sheet Risk and Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Financial Transactions with Off-Balance-Sheet Risk and Concentrations of Credit Risk	Financial Transactions with Off-Balance-Sheet Risk and Concentrations of Credit Risk The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business in order to meet the financing needs of its customers. These financial instruments consist of commitments to extend credit and involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the Consolidated Statements of Financial Condition. At December 31, 2021 and 2020, the following commitments existed which are not reflected in the Consolidated Statements of Financial Condition: December 31, 2021 2020 (In thousands) Loan commitments: Residential real estate $ 115,998 $ 149,847 Multifamily and commercial real estate 73,948 98,910 Commercial business 27,773 16,842 Construction 58,069 13,335 Consumer including home equity loans and advances 9,154 3,264 Total loan commitments $ 284,942 $ 282,198 Unused lines of credit consisting of home equity lines, and undisbursed business and construction lines totaled approximately $899.2 million and $894.5 million as of December 31, 2021 and 2020, respectively. Amounts drawn on the unused lines of credit are predominantly assessed interest at rates that fluctuate with the base rate. The Company uses the same credit policies and collateral requirements in making commitments and conditional obligations as it does for on-balance-sheet loans. Commitments to extend credit are agreements to lend customers as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management's credit evaluation of the borrower. The Company principally grants residential real estate loans, multifamily and commercial real estate loans, construction loans, commercial business loans, home equity loans and advances and other consumer loans to borrowers primarily throughout New Jersey, New York and Pennsylvania, and to a much lesser extent in a few other east coast states. Its borrowers' abilities to repay their obligations are dependent upon various factors, including the borrowers' income and net worth, cash flows generated by the underlying collateral, if any, or from business operations, value of the underlying collateral and priority of the Company's lien on the property. These factors are dependent on various economic conditions and circumstances beyond the Company's control, and as a result, the Company is subject to the risk of loss. The Company believes that its lending policies and procedures adequately minimize the potential exposure to such risks and adequate provisions for loan losses are provided for all probable and estimable losses. In the normal course of business, the Company sells residential real estate loans to third parties. These loan sales are subject to customary representations and warranties. In the event that the Company is found to be in breach of these representations and warranties, it may be obligated to repurchase certain of these loans. The Company has entered into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. The Company's derivative financial instruments are used to manage differences in the amount, timing, and duration of the Company's known or expected cash receipts and its known or expected cash payments principally related to the Company's borrowings. These derivatives were used to hedge the variability in cash flows associated with certain short-term funding transactions. The fair value of the derivatives as of December 31, 2021 and 2020 was a net liability of $7.9 million and $23.0 million, respectively, net of accrued interest and variation margin posted in accordance with the Chicago Mercantile Exchange. (16) Financial Transactions with Off-Balance-Sheet Risk and Concentrations of Credit Risk (continued) In connection with its mortgage banking activities, at December 31, 2021 the Company had no commitments to sell loans, with servicing retained by Columbia Bank. At December 31, 2021, the Company had no commitments classified as held-for-sale. In addition to the commitments noted above, the Company is party to standby letters of credit which are conditional commitments issued to guarantee the performance of a customer to a third party. These guarantees generally extend for a term of up to one year and may be secured or unsecured. Outstanding letters of credit totaled $12.9 million and $9.4 million at December 31, 2021 and 2020, respectively. The FHLB also has issued an irrevocable standby letter of credit totaling $600,000 at December 31, 2021, for the purposes of collateralizing Freehold Bank's retention of New Jersey public funds on deposit as required by the New Jersey Governmental Unit Deposit Protection Act. This letter is renewable on an annual basis and is securitized by Freehold Bank's available borrowing line at the FHLB. The Company and subsidiaries are also party to litigation which arises primarily in the ordinary course of business. In the opinion of management, these legal actions and claims are not expected to have a material adverse impact on the Company's financial condition.

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Fair Value Measurements	Fair Value Measurements The Company utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The determination of fair values of financial instruments often requires the use of estimates. Where quoted market values in an active market are not readily available, the Company utilizes various valuation techniques to estimate fair value. In January 2016, the FASB issued ASU 2016-01- "Financial Instruments". This guidance amended existing guidance to improve accounting standards for financial instruments including clarification and simplification of the accounting and disclosure requirements and the requirement to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes. The Company adopted the guidance effective January 1, 2019, and the fair value of the Company's loan portfolio is now presented using an exit price method. Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure the fair values: Level 1: Unadjusted quoted prices for identical assets or liabilities in active markets that the Company has the ability to access on the measurement date. Level 2: Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar instruments in markets that are active or not active, or inputs that are observable or can be corroborated by observable market data for substantially the full term of the asset or liability. Level 3: Prices or valuation techniques that require unobservable inputs that are both significant to the fair value measurement and unobservable (i.e., supported by minimal or no market activity). Valuation techniques include the use of option pricing models, discounted cash flow models and similar techniques. A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. Assets and Liabilities Measured at Fair Value on a Recurring Basis The methods described below were used to measure fair value of financial instruments as reflected in the tables below on a recurring basis as of December 31, 2021 and 2020. Debt Securities Available for Sale, at Fair Value For debt securities available for sale, fair value was estimated using a market approach. The majority of these securities are fixed income instruments that are not quoted on an exchange, but are traded in active markets. Prices for these instruments are obtained through third-party data service providers or dealer market participants with which the Company has historically transacted both purchases and sales of securities. Prices obtained from these sources include market quotations and matrix pricing. Matrix pricing, a Level 2 input, is a mathematical technique used principally to value certain securities to a benchmark or to comparable securities. The Company evaluates the quality of Level 2 matrix pricing through comparison to similar assets with greater liquidity and evaluation of projected cash flows. As the Company is responsible for the determination of fair value, it performs quarterly analysis on the prices received from the pricing service to determine whether the prices are reasonable estimates of fair value. Specifically, the Company compares the prices received from the pricing service to a secondary pricing source. Additionally, the Company compares changes in the reported market values and returns to relevant market indices to assess the reasonableness of the reported prices. The Company’s internal price verification procedures and review of fair value methodology documentation provided by independent pricing services has not historically resulted in an adjustment in the prices obtained from the pricing service. The Company may hold debt instruments issued by the U.S. government and U.S. government-sponsored agencies that are traded in active markets with readily accessible quoted market prices that are considered Level 1 inputs. (17) Fair Value Measurements (continued) Equity Securities, at Fair Value The Company holds equity securities that are traded in active markets with readily accessible quoted market prices that are considered Level 1 inputs. A trust preferred security that is not traded in an active market and Federal Home Loan Mortgage Corporation ("FHLMC") and Federal National Mortgage Association ("FNMA") preferred stock, are considered Level 2 instruments. In addition, Level 2 instruments include Atlantic Community Bankers Bank ("ACBB") stock, which is based on redemption at par value and can only be sold to the issuing ACBB or another institution that holds ACBB stock. Derivatives The Company records all derivatives included in other assets and liabilities on the Consolidated Statements of Financial Condition at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting, and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. See note 21 for disclosures related to the accounting treatment for derivatives. The fair value of the Company's derivatives is determined using discounted cash flow analysis using observable market-based inputs, which are considered Level 2 inputs. The following tables present the assets and liabilities reported on the Consolidated Statements of Financial Condition at their fair values as of December 31, 2021 and 2020, by level within the fair value hierarchy: December 31, 2021 Fair Value Measurements Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (In thousands) Debt securities available for sale: U.S. government and agency obligations $ 34,879 $ 34,879 $ — $ — Mortgage-backed securities and collateralized mortgage obligations 1,554,359 — 1,554,359 — Municipal obligations 4,179 — 4,179 — Corporate debt securities 110,430 — 110,430 — Total debt securities available for sale 1,703,847 34,879 1,668,968 — Equity securities 2,710 2,364 346 — Derivative assets 9,492 — 9,492 — $ 1,716,049 $ 37,243 1,678,806 $ — Derivative liabilities $ 17,366 $ — $ 17,366 $ — (17) Fair Value Measurements (continued) December 31, 2020 Fair Value Measurements Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (In thousands) Debt securities available for sale: U.S. government and agency obligations $ 25,549 $ 25,549 $ — $ — Mortgage-backed securities and collateralized mortgage obligations 1,200,394 — 1,200,394 — Municipal obligations 16,862 — 16,862 — Corporate debt securities 69,477 — 69,477 — Trust preferred securities 4,670 — 4,670 — Total debt securities available for sale 1,316,952 25,549 1,291,403 — Equity securities 5,418 5,072 346 — Derivative assets 19,425 — 19,425 — $ 1,341,795 $ 30,621 $ 1,311,174 $ — Derivative liabilities $ 42,384 $ — $ 42,384 $ — There were no Level 3 assets measured at fair value on a recurring basis at December 31, 2021 and 2020. Assets Measured at Fair Value on a Non-Recurring Basis The valuation techniques described below were used to estimate fair value of financial instruments measured on a non-recurring basis as of December 31, 2021 and 2020. Impaired Loans Loans which meet certain criteria are evaluated individually for impairment. Loan impairment is measured based on the present value of expected future cash flows discounted at the loan's effective interest rate or, as a practical expedient, at the loan's observable market price or the fair value of the collateral if the loan is collateral dependent. For loans measured for impairment based on the fair value of the underlying collateral, fair value was estimated using a market approach. The Company measures the fair value of collateral underlying impaired loans primarily through obtaining independent appraisals that rely upon quoted market prices for similar assets in active markets. These appraisals include adjustments, on an individual case-by-case basis, to comparable assets based on the appraisers’ market knowledge and experience, as well as adjustments for estimated costs to sell between 6% and 8%. The Company classifies these loans as Level 3 within the fair value hierarchy. Mortgage Servicing Rights, Net ("MSR"s") Mortgage servicing rights are carried at the lower of cost or estimated fair value. The estimated fair value of MSRs is obtained through an analysis of future cash flows, incorporating assumptions that market participants would use in determining fair value including market discount rates, prepayments speeds, servicing income, servicing costs, default rates and other market driven data, including the market's perception of future interest rate movements. The prepayment speed and the discount rate are considered two of the most significant inputs in the model. A significant degree of judgment is involved in valuing the mortgage servicing rights using Level 3 inputs. The use of different assumptions could have a significant effect on this fair value estimate. (17) Fair Value Measurements (continued) The following tables present the assets and liabilities reported on the Consolidated Statements of Financial Condition at their fair values on a non-recurring basis at December 31, 2021 and 2020, by level within the fair value hierarchy: December 31, 2021 Fair Value Measurements Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (In thousands) Impaired loans $ 1,213 $ — $ — $ 1,213 Mortgage servicing rights 1,906 — — 1,906 $ 3,119 $ — $ — $ 3,119 December 31, 2020 Fair Value Measurements Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (In thousands) Mortgage servicing rights $ 1,338 $ — $ — $ 1,338 $ 1,338 $ — $ — $ 1,338 The following table presents information for Level 3 assets measured at fair value on a non-recurring basis at December 31, 2021 and 2020: December 31, 2021 Fair Value Valuation Methodology Unobservable Inputs Range of Inputs Weighted Average (Dollars in thousands) Impaired loans $ 1,213 Other Contracted sale price of collateral — % — % Mortgage servicing rights 1,906 Discounted cash flow Prepayment speeds and discount rates (1) 7.5% - 24.9% 12.7 % December 31, 2020 Fair Value Valuation Methodology Unobservable Inputs Range of Inputs Weighted Average (Dollars in thousands) Mortgage servicing rights $ 1,338 Discounted cash flow Prepayment speeds and discount rates (1) 9.7% - 26.2% 16.7 % (1) Value of SBA servicing rights based on a discount rate of 10.25%. (17) Fair Value Measurements (continued) Other Fair Value Disclosures The Company is required to disclose estimated fair value of financial instruments, both assets and liabilities on and off the balance sheet, for which it is practicable to estimate fair value. A description of the valuation methodologies used for those assets and liabilities not recorded at fair value on a recurring or non-recurring basis are set forth below. Cash and Cash Equivalents For cash and due from banks, federal funds sold and short-term investments, the carrying amount approximates fair value due to their nature and short-term maturities. Debt Securities Held to Maturity For debt securities held to maturity, fair value was estimated using a market approach. The majority of the Company’s securities are fixed income instruments that are not quoted on an exchange, but are traded in active markets. Prices for these instruments are obtained through third-party data service providers or dealer market participants with which the Company has historically transacted both purchases and sales of securities. Prices obtained from these sources include market quotations and matrix pricing. Matrix pricing, a Level 2 input, is a mathematical technique used principally to value certain securities to benchmark or to compare securities. The Company evaluates the quality of Level 2 matrix pricing through comparison to similar assets with greater liquidity and evaluation of projected cash flows. As the Company is responsible for the determination of fair value, it performs quarterly analysis on the prices received from the pricing service to determine whether the prices are reasonable estimates of fair value. Specifically, the Company compares the prices received from the pricing service to a secondary pricing source. Additionally, the Company compares changes in the reported market values and returns to relevant market indices to assess the reasonableness of the reported prices. The Company’s internal price verification procedures and review of fair value methodology documentation provided by independent pricing services has not historically resulted in an adjustment in the prices obtained from the pricing service. The Company also holds debt instruments issued by the U.S. government and U.S. government sponsored agencies that are traded in active markets with readily accessible quoted market prices that are considered Level 1 inputs within the fair value hierarchy. Federal Home Loan Bank Stock ("FHLB") The fair value of FHLB stock is based on redemption at par value and can only be sold to the issuing FHLB, to other FHLBs, or to other member banks. As such, the Company's FHLB stock is recorded at cost, or par value, and is evaluated for impairment each reporting period by considering the ultimate recoverability of the investment rather than temporary declines in value. The Company classifies the estimated fair value as Level 2 within the fair value hierarchy. Loans Receivable Fair values are estimated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as commercial mortgage, residential mortgage, commercial, construction, and consumer and other. Each loan category is further segmented into fixed and adjustable rate interest terms and into performing and non-performing categories. The fair value of performing loans was estimated using a combination of techniques, including a discounted cash flow model that utilizes a discount rate that reflects the Company's current pricing for loans with similar characteristics and remaining maturity, adjusted by an amount for estimated credit losses inherent in the portfolio at the balance sheet date. The rates take into account the expected yield curve, as well as an adjustment for prepayment risk, when applicable. The Company classifies the estimated fair value of its loan portfolio as Level 3. The fair value for significant non-performing loans was based on recent external appraisals of collateral securing such loans, adjusted for the timing of anticipated cash flows. The Company classifies the estimated fair value of its non-performing loan portfolio as Level 3. Deposits The fair value of deposits with no stated maturity, such as demand, money market, and savings and club deposits are payable on demand at each reporting date and classified as Level 2. The estimated fair value of certificates of deposit was based on the discounted value of contractual cash flows. The discount rate was estimated using the Company’s current rates offered for deposits with similar remaining maturities. The Company classifies the estimated fair value of its certificates of deposit portfolio as Level 2. (17) Fair Value Measurements (continued) Borrowings The fair value of borrowings was estimated by discounting future cash flows using rates available for debt with similar terms and maturities and is classified by the Company as Level 2 within the fair value hierarchy. Commitments to Extend Credit and Letters of Credit The fair value of commitments to extend credit and letters of credit was estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counter-parties. For fixed rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value estimates of commitments to extend credit and letters of credit are deemed immaterial. The following tables present the assets and liabilities reported on the Consolidated Statements of Financial Condition at their fair values as of December 31, 2021 and 2020: December 31, 2021 Fair Value Measurements Carrying Value Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (In thousands) Financial assets: Cash and cash equivalents $ 70,963 $ 70,963 $ 70,963 $ — $ — Debt securities available for sale 1,703,847 1,703,847 34,879 1,668,968 — Debt securities held to maturity 429,734 434,789 — 434,789 — Equity securities 2,710 2,710 2,364 346 Federal Home Loan Bank stock 23,141 23,141 — 23,141 — Loans receivable, net 6,297,912 6,457,766 — — 6,457,766 Derivative assets 9,492 9,492 — 9,492 — Financial liabilities: Deposits $ 7,570,216 $ 7,564,210 $ — $ 7,564,210 $ — Borrowings 377,309 378,810 — 378,810 — Derivative liabilities 17,366 17,366 — 17,366 — (17) Fair Value Measurements (continued) December 31, 2020 Fair Value Measurements Carrying Value Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (In thousands) Financial assets: Cash and cash equivalents $ 422,957 $ 422,957 $ 422,957 $ — $ — Debt securities available for sale 1,316,952 1,316,952 25,549 1,291,403 — Debt securities held to maturity 262,720 277,091 5,001 272,090 — Equity securities 5,418 2,855 5,072 268 — Federal Home Loan Bank stock 43,759 43,759 — 43,759 — Loans receivable, net 6,107,094 6,394,524 — — 6,394,524 Derivative assets 19,425 19,425 — 19,425 — Financial liabilities: Deposits $ 6,778,624 $ 6,793,034 $ — $ 6,793,034 $ — Borrowings 799,364 808,853 — 808,853 — Derivative liabilities 42,384 42,384 — 42,384 — Limitations Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because limited markets exist for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

Earnings per Share

Earnings per Share	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Earnings per Share	Earnings per Share Basic earnings per share ("EPS") is computed by dividing net income available to common shareholders by the weighted average number of common shares outstanding during the period. For purposes of calculating basic EPS, weighted average common shares outstanding excludes treasury stock, unallocated employee stock ownership plan shares that have not been committed for release and deferred compensation obligations required to be settled in shares of Company stock. Diluted EPS is computed using the same method as basic EPS and reflects the potential dilution which could occur if stock options and unvested shares were exercised and converted into common stock. The potentially diluted shares would then be included in the weighted average number of shares outstanding for the period using the treasury stock method. The following is a reconciliation of the numerators and denominators of the basic and diluted earnings per share calculations for the years ended December 31, 2021, 2020,and 2019: December 31, 2021 2020 2019 (In thousands, except share and per share data) Net income $ 92,049 $ 57,603 $ 54,717 Shares: Weighted average shares outstanding - basic 104,156,112 109,755,924 111,101,246 Weighted average dilutive shares outstanding — — — Weighted average shares outstanding - diluted 104,156,112 109,755,924 111,101,246 Earnings per share: Basic $ 0.88 $ 0.52 $ 0.49 Diluted $ 0.88 $ 0.52 $ 0.49 For the years ended December 31, 2021, 2020, and 2019, the average number of stock options which could potentially dilute basic earnings per share in the future that were not included in the computation of diluted earnings per share because to do so would have been anti-dilutive totaled 3,726,249, 3,757,530, and 2,184,191, respectively.

Parent-only Financial Informati

Parent-only Financial Information	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Parent-only Financial Information	Parent-only Financial Information The condensed financial statements of Columbia Financial, Inc. (parent company) are presented below: Statements of Financial Condition December 31, 2021 2020 (In thousands) Assets Cash and due from banks $ 77,077 $ 94,053 Short-term investments 261 170 Total cash and cash equivalents 77,338 94,223 Equity securities, at fair value 216 1,167 Investment in subsidiaries 981,922 873,629 Loan receivable from Columbia Bank 39,862 41,461 Other assets 15,608 9,803 Total assets $ 1,114,946 $ 1,020,283 Liabilities and Stockholders' Equity Liabilities: Borrowings $ 36,815 $ 6,953 Accrued expenses and other liabilities 2,301 2,043 Total liabilities 39,116 8,996 Stockholders' equity 1,075,830 1,011,287 Total liabilities and stockholders' equity $ 1,114,946 $ 1,020,283 (19) Parent-only Financial Information (continued) Statements of Income and Comprehensive Income Years Ended December 31, 2021 2020 2019 (In thousands) Dividends from subsidiary $ 65,000 $ 50,000 $ 179,000 Interest income: Loans receivable 1,969 2,047 2,111 Debt securities available for sale and equity securities 43 51 51 Interest-earning deposits — 1 173 Total interest income 67,012 52,099 181,335 Interest expense on borrowings 427 863 176 Net interest income 66,585 51,236 181,159 Equity earnings (loss) in subsidiaries 27,652 8,027 (123,142) Non-interest income: Gain on securities transactions 383 2 236 Change in fair value of equity securities (35) (115) 65 Other non-interest income — — 139 Total non-interest income (loss) 348 (113) 440 Non-interest expense: Merger-related expenses 546 280 1,807 Other non-interest expense 2,203 1,377 1,955 Total non-interest expense 2,749 1,657 3,762 Income before income tax (benefit) 91,836 57,493 54,695 Income tax (benefit) (213) 110 22 Net income 92,049 57,603 54,717 Other comprehensive income (loss) 23,706 (890) 3,710 Comprehensive income $ 115,755 $ 56,713 $ 58,427 (19) Parent-only Financial Information (continued) Statements of Cash Flows Years Ended December 31, 2021 2020 2019 (In thousands) Cash flows from operating activities: Net income $ 92,049 $ 57,603 $ 54,717 Adjustments to reconcile net income to net cash provided by operating activities: Amortization of intangible assets 21 (278) (71) Gain on securities transactions (383) (2) (236) Change in fair value of equity securities 35 115 (65) Deferred tax expense 1,830 1,411 1,453 ( Increase) in other assets (7,721) (2,675) (2,026) Increase (decrease) in accrued expenses and other liabilities 691 (647) 3,515 Equity in undistributed (earnings) loss of subsidiaries (27,652) (8,027) 123,142 Net cash provided by operating activities $ 58,870 $ 47,500 $ 180,429 Cash flows from investing activities: Proceeds from sales of equity securities 1,390 — 1,065 Proceeds from paydowns/maturities/calls of debt securities available for sale — 1,498 500 Purchases of equity securities (91) — (416) Repayment of loan receivable from Columbia Bank 1,599 1,521 1,457 Net cash paid in acquisition — — (135,410) Net cash provided by (used in) investing activities $ 2,898 $ 3,019 $ (132,804) Cash flows from financing activities: Payments of subordinated debt and trust preferred securities $ — $ (16,600) $ — Net proceeds from note payable 29,841 — — Purchase of treasury stock (107,774) (108,166) (55,309) Exercise of options (25) — — Issuance of common stock allocated to restricted stock award grants — — 21,687 Restricted stock forfeitures (1,234) (199) (736) Repurchase of shares for taxes (357) (181) — Issuance of treasury stock allocated to restricted stock award grants 896 481 1,269 Net cash (used in) financing activities $ (78,653) $ (124,665) $ (33,089) (19) Parent-only Financial Information (continued) Statements of Cash Flows Years Ended December 31, 2021 2020 2019 (In thousands) Net (decrease) increase in cash and cash equivalents $ (16,885) $ (74,146) $ 14,536 Cash and cash equivalents at beginning of year 94,223 168,369 153,833 Cash and cash equivalents at end of period $ 77,338 $ 94,223 $ 168,369 Acquisition: Non-cash assets acquired: Debt securities available for sale $ — $ — $ 1,998 Equity securities — — 208 Other assets — — 1,492 Total non-cash assets acquired $ — $ — $ 3,698 Liabilities assumed: Borrowings $ — $ — $ 23,901 Total liabilities assumed $ — $ — $ 23,901 Net non-cash liabilities acquired $ — $ — $ (20,203) Net cash and cash equivalents acquired in acquisitions $ — $ — $ 884

Other Comprehensive Income (Los

Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2021
Equity [Abstract]
Other Comprehensive Income (Loss)	Other Comprehensive Income (Loss) The following tables present the components of other comprehensive income (loss), both gross and net of tax, for the years ended December 31, 2021, 2020, and 2019: For the Years Ended December 31, 2021 2020 Before Tax Tax Effect After Tax Before Tax Tax Effect After Tax (In thousands) Components of other comprehensive income (loss): Unrealized (loss) gain on debt securities available for sale: $ (39,000) $ 8,021 $ (30,979) $ 26,876 $ (5,640) $ 21,236 Accretion of unrealized gain on debt securities reclassified as held to maturity (28) 25 (3) 160 (34) 126 Reclassification adjustment for gain included in net income 2,025 (427) 1,598 370 (81) 289 (37,003) 7,619 (29,384) 27,406 (5,755) 21,651 Derivatives: Unrealized gain (loss) on swap contracts accounted for as cash flow hedges 14,514 (2,575) 11,939 (10,605) 2,223 (8,382) Employee benefit plans: Amortization of prior service cost included in net income (55) 16 (39) (56) 12 (44) Reclassification adjustment of actuarial net (loss) included in net income (4,044) 1,129 (2,915) (4,284) 900 (3,384) Change in funded status of retirement obligations 50,999 (6,894) 44,105 (13,583) 2,852 (10,731) 46,900 (5,749) 41,151 (17,923) 3,764 (14,159) Total other comprehensive income (loss) $ 24,411 $ (705) $ 23,706 $ (1,122) $ 232 $ (890) (20) Other Comprehensive Income (Loss) (continued) For the Year Ended December 31, 2019 Before Tax Tax Effect After Tax (In thousands) Components of other comprehensive income (loss): Unrealized gain on debt securities available for sale: $ 26,601 $ (5,534) $ 21,067 Accretion of unrealized gain on debt securities reclassified as held to maturity 11 (2) 9 Reclassification adjustment for gain included in net income 2,612 (601) 2,011 29,224 (6,137) 23,087 Derivatives: Unrealized (loss) on swap contracts accounted for as cash flow hedges (8,193) 1,725 (6,468) Employee benefit plans: Amortization of prior service cost included in net income (56) 12 (44) Reclassification adjustment of actuarial net (loss) included in net income (3,709) 779 (2,930) Change in funded status of retirement obligations (12,576) 2,641 (9,935) (16,341) 3,432 (12,909) Total other comprehensive income $ 4,690 $ (980) $ 3,710 (20) Other Comprehensive Income (Loss) (continued) The following tables present the changes in the components of accumulated other comprehensive income (loss), net of tax, for the years ended December 31, 2021, 2020, and 2019: For the Years Ended December 31, 2021 2020 Unrealized Gains on Debt Securities Available for Sale Unrealized (Losses) on Swaps Employee Benefit Plans Accumulated Other Comprehensive (Loss) Unrealized Gains on Debt Securities Available for Sale Unrealized (Losses) on Swaps Employee Benefit Plans Accumulated Other Comprehensive (Loss) (In thousands) Balance at beginning of period $ 31,028 $ (16,856) $ (83,797) $ (69,625) $ 9,377 $ (8,474) $ (69,638) $ (68,735) Current period changes in other comprehensive income (loss) (29,384) 11,939 41,151 23,706 21,651 (8,382) (14,159) (890) Total other comprehensive income (loss) $ 1,644 $ (4,917) $ (42,646) $ (45,919) $ 31,028 $ (16,856) $ (83,797) $ (69,625) For the Year Ended December 31, 2019 Unrealized (Losses) Gains on Debt Securities Available for Sale Unrealized (Losses) on Swaps Employee Benefit Plans Accumulated Other Comprehensive (Loss) (In thousands) Balance at beginning of period $ (13,162) $ (2,006) $ (56,729) $ (71,897) Effect of the adoption of ASU 2016-01 (548) — — (548) Balance at January 1, $ (13,710) $ (2,006) $ (56,729) $ (72,445) Current period changes in other comprehensive income (loss) 23,087 (6,468) (12,909) 3,710 Total other comprehensive (loss) $ 9,377 $ (8,474) $ (69,638) $ (68,735) (20) Other Comprehensive Income (Loss) (continued) The following tables reflect amounts reclassified from accumulated other comprehensive income (loss) in the Consolidated Statements of Income and the affected line item in the statement where net income is presented for the years ended December 31, 2021, 2020, and 2019: Accumulated Other Comprehensive Income (Loss) Components For the Years Ended December 31, Affected Line Items in the Consolidated Statements of Income 2021 2020 2019 (In thousands) Reclassification adjustment for gain included in net income $ 2,025 $ 370 $ 2,612 Gain on securities transactions Reclassification adjustment of actuarial net (loss) included in net income (4,044) (4,284) (3,709) Other non-interest expense Total before tax (2,019) (3,914) (1,097) Income tax benefit 702 819 178 Net of tax $ (1,317) $ (3,095) $ (919)

Derivatives and Hedging Activit

Derivatives and Hedging Activities	12 Months Ended
	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivatives and Hedging Activities	Derivatives and Hedging Activities The Company uses derivative financial instruments as components of its market risk management, principally to manage interest rate risk. Certain derivatives are entered into in connection with transactions with commercial customers. Derivatives are not used for speculative purposes. All derivatives are recognized as either assets or liabilities in the Consolidated Statements of Financial Condition, reported at fair value and presented on a gross basis. Until a derivative is settled, a favorable change in fair value results in an unrealized gain that is recognized as an asset, while an unfavorable change in fair value results in an unrealized loss that is recognized as a liability. The Company generally applies hedge accounting to its derivatives used for market risk management purposes. Hedge accounting is permitted only if specific criteria are met, including a requirement that a highly effective relationship exists between the derivative instrument and the hedged item, both at inception of the hedge and on an ongoing basis. Changes in the fair value of effective fair value hedges are recognized in current earnings (with the change in fair value of the hedged asset or liability also recognized in earnings). Changes in the fair value of effective cash flow hedges are recognized in other comprehensive income (loss) until earnings are affected by the variability in cash flows of the designated hedged item. Ineffective portions of hedge results are recognized in current earnings. Changes in the fair value of derivatives for which hedge accounting is not applied are recognized in current earnings. The Company formally documents at inception all relationships between the derivative instruments and the hedged items, as well as its risk management objectives and strategies for undertaking the hedge transactions. This process includes linking all derivatives that are designated as hedges to specific assets and liabilities, or to specific firm commitments. The Company also formally assesses, both at inception of the hedge and on an ongoing basis, whether the derivatives that are used in hedging transactions are highly effective in offsetting changes in the fair values or cash flows of the hedged items. If it is determined that a derivative is not highly effective or has ceased to be a highly effective hedge, the Company would discontinue hedge accounting prospectively. Gains or losses resulting from the termination of a derivative accounted for as a cash flow hedge remain in other comprehensive income (loss) and is (accreted) amortized to earnings over the remaining period of the former hedging relationship. Certain derivative financial instruments are offered to certain commercial banking customers to manage their risk of exposure and risk management strategies. These derivative instruments consist primarily of currency forward contracts and interest rate swap contracts. The risks associated with these transactions is mitigated by simultaneously entering into similar transactions having essentially offsetting terms with a third party. In addition, the Company executes interest rate swaps with third parties in order to hedge the interest rate risk of short-term FHLB advances. Currency Forward Contracts. At December 31, 2021 and 2020, the Company had no currency forward contracts in place with commercial banking customers. Interest Rate Swaps. At December 31, 2021 and December 31, 2020, the Company had interest rate swaps in place with 52 and 48 commercial banking customers executed by offsetting interest rate swaps with third parties, with aggregated notional amounts of $183.4 million and $175.1 million, respectively. These derivatives are not designated as hedges and are not speculative. These interest rate swaps do not meet hedge accounting requirements. At December 31, 2021 and 2020, the Company had 14 and 31 interest rate swaps with notional amounts of $190.0 million and $430.0 million, respectively, hedging certain FHLB advances. These interest rate swaps meet the cash flow hedge accounting requirements. Interest rate swaps designated as cash flow hedges involve the receipt of variable amounts from a counter-party in exchange for the Company making fixed-rate payments over the life of the agreements without the exchanges of the underlying notional amount. For the year ended December 31, 2021, interest rate swaps with notional amounts totaling $210.0 million were discontinued relative to the hedge, which resulted in a $996,000 loss on the early extinguishment of debt. For the years ended December 31, 2021, 2020, and 2019, the Company did not record any hedge ineffectiveness associated with these contracts. (21) Derivatives and Hedging Activities (continued) The tables below present the fair value of the Company’s derivative financial instruments as well as their classification in the Consolidated Statements of Financial Condition at December 31, 2021 and 2020: December 31, 2021 Asset Derivative Liability Derivative Consolidated Statements of Financial Condition Fair Value Consolidated Statements of Financial Condition Fair Value (In thousands) Derivatives: Interest rate swaps Other Assets $ 9,492 Other Liabilities $ 17,366 Total derivative instruments $ 9,492 $ 17,366 December 31, 2020 Asset Derivative Liability Derivative Consolidated Statements of Financial Condition Fair Value Consolidated Statements of Financial Condition Fair Value (In thousands) Derivatives: Interest rate swaps Other Assets $ 19,425 Other Liabilities $ 42,384 Total derivative instruments $ 19,425 $ 42,384 For the years ended December 31, 2021, 2020, and 2019 gains(losses) of $115,000, $(306,000), and $204,000 respectively, were recorded for changes in fair value of interest rate swaps with third parties. At December 31, 2021 and 2020, accrued interest was $567,000 and $1.0 million, respectively. The Company has agreements with counterparties that contain a provision that if the Company defaults on any of its indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default of its derivative obligations.

Revenue Recognition

Revenue Recognition	12 Months Ended
	Dec. 31, 2021
Revenue from Contract with Customer [Abstract]
Revenue Recognition	Revenue Recognition On January 1, 2019, the Company adopted ASU 2014-09 Revenue from Contracts with Customers (Topic 606) and all subsequent ASUs that modified Topic 606. The Company performed a review and assessment of all revenue streams, the related contracts with customers, and the underlying performance obligations in those contracts. This guidance does not apply to revenue associated with financial instruments, including interest income on loans and securities, which comprise the majority of the Company's revenue. Revenue-generating activities that are within the scope of Topic 606, are components of non-interest income. These revenue streams can generally be classified as demand deposit account fees, title insurance fees and other fees. The following table presents non-interest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the years ended December 31, 2021, 2020, and 2019. For the Years Ended December 31, 2021 2020 2019 (In thousands) Non-interest income In-scope of Topic 606: Demand deposit account fees $ 3,803 $ 3,633 $ 4,478 Title insurance fees 6,088 5,034 4,981 Other non-interest income 7,600 6,472 4,844 Total in-scope non-interest income 17,491 15,139 14,303 Total out-of-scope non-interest income 21,340 16,131 17,333 Total non-interest income $ 38,831 $ 31,270 $ 31,636 Demand deposit account fees include monthly maintenance fees and service charges. These fees are generally derived as a result of either transaction-based or serviced-based services. The Company's performance obligation for these services is generally satisfied, and revenue recognized, at the time the transaction is completed or the service rendered. Fees for these services are generally received from the customer either at the time of the transaction or monthly. Title insurance fees are generally recognized at the time the transaction closes or when the service is rendered. Other non-interest income includes check printing fees, traveler's check fees, gift card fees, branch service fees, overdraft fees, account analysis fees, other deposit related fees, wealth management related fee income which includes annuity fees, brokerage commissions, and asset management fees. Wealth management related fee income represent fees earned from customers as consideration for asset management and investment advisory services provided by a third party. The Company's performance obligation is generally satisfied monthly and the resulting fees are recognized monthly based upon the month-end market value of the assets under management and the applicable fee rate. The Company does not earn performance-based incentives. The Company's performance obligation for these transaction-based services are generally satisfied, and related revenue recognized, at the time the transaction closes or when the service is rendered or a point in time when the service is completed. Also included in other fees are debit card and ATM fees which are transaction-based. Debit card revenue is primarily comprised of interchange fees earned when a customer's Company card is processed through a card payment network. ATM fees are largely generated when a Company cardholder uses a non-Company ATM, or a non-Company cardholder uses a Company ATM. The Company's performance obligation for these services is satisfied when the service is rendered. Payment is generally received at time of transaction or monthly.

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2021
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events The Company has evaluated events subsequent to December 31, 2021 and through the financial statement issuance date of March 1, 2022, and concluded that no material events occurred that would require disclosure except as noted as noted below. On December 10, 2021 a Stipulation and Agreement of Compromise, Settlement and Release (the “Settlement Agreement”) was filed in relation to a lawsuit involving Columbia Financial, Inc. (the “Company”) and certain of its current and former directors pending in the Court of Chancery of the State of Delaware entitled Pascal v. Czerwinski, et. al. , C.A. No. 2020-0320-SG (the “Settlement”). The Settlement resolves a lawsuit (the “Litigation”) challenging the equity compensation granted on or about July 23, 2019 to persons who were then-directors of the Company (the “Defendants”) (collectively, “2019 Equity Grants”). Notice of the proposed settlement of the Litigation was provided to all shareholders of the Company and, after a hearing, the Delaware Court of Chancery approved the proposed settlement of the Litigation on February 7, 2022. Pursuant to the Settlement, the Delaware Court of Chancery issued a Final Order and Judgment dismissing all claims that were or could have been asserted in the Litigation and directing that a special meeting of the Company’s stockholders be held in order for shareholders to vote on the ratification of the 2019 Equity Awards. The Company intends to hold the special meeting of stockholders on April 4, 2022. The Delaware Court of Chancery also approved an award of attorney’s fees to the plaintiffs’ counsel in the amount of $1.3 million. Neither the settlement, nor the award of attorney’s fees to the plaintiffs’ counsel, will have a material impact on the Company's financial condition or results of operations. The COVID-19 pandemic has disrupted and adversely affected the Company's business and results of operations, and the ultimate impacts of the pandemic on the Bank's business, financial condition and results of operations will depend on future developments and other factors that are highly uncertain and will be impacted by the scope and duration of the pandemic and actions taken by governmental authorities in response to the pandemic.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Principles of Consolidation	Principles of Consolidation The accompanying consolidated financial statements include the accounts of Columbia Financial, Inc., its wholly-owned subsidiaries, Columbia Bank ("Columbia") and Freehold Bank ("Freehold") and Columbia's wholly-owned subsidiaries, Columbia Investment Services, Inc., 2500 Broadway Corp. 1901 Residential Management Co. LLC, Plaza Financial Services, Inc., First Jersey Title Services, Inc., Real Estate Management Corp. LLC, 1901 Commercial Management Co. LLC, Stewardship Realty LLC, and CSB Realty Corp., and Freehold's wholly-owned inactive subsidiary, Freehold S & L Service Corporation (collectively, the “Company”). The accounts of the MHC are not consolidated in the consolidated financial statements of the Company. In consolidation, all intercompany accounts and transactions are eliminated. Certain reclassifications have been made in the consolidated financial statements to conform with current year classifications. The Bank's wholly owned subsidiary, Stewardship Realty, LLC, incorporated as a New Jersey corporation in 2005 was acquired in the Company's merger with Stewardship in November 2019. It is a service corporation originally organized to hold and manage property in Midland Park which was previously occupied by Atlantic Stewardship Bank. The Company also owns 100% of the common stock of Stewardship Statutory Trust I, which is a trust incorporated in Delaware which was also acquired in the Company's merger with Stewardship in November 2019. In accordance with ASC Topic 810, Consolidation , this Trust was classified as a variable interest entity and did not satisfy the conditions for consolidation. Accordingly, this Trust, which owns $7.0 million of trust preferred securities, which represents 100% of the assets, is treated as an unconsolidated subsidiary.
Basis of Financial Statement Presentation	Basis of Financial Statement Presentation The consolidated financial statements of the Company have been prepared in conformity with accounting principles generally accepted in the United States of America (“GAAP”), including the elimination of all significant intercompany accounts and transactions during consolidation. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the dates of the Consolidated Statements of Financial Condition, and Consolidated Statements of Income for the periods presented. Material estimates that are particularly susceptible to change are the determination of the adequacy of the allowance for credit losses, evaluation of goodwill for impairment, evaluation of other-than-temporary impairment on securities, evaluation of the need for valuation allowances on deferred tax assets, and determination of liabilities related to retirement and other post-retirement benefits, among others. These estimates and assumptions are based on management’s best estimates and judgment. Management evaluates its estimates and assumptions on an ongoing basis using historical experience and other factors, including the current economic environment, which management believes to be reasonable under the circumstances. Such estimates and assumptions are adjusted when facts and circumstances dictate. Illiquid credit markets, volatile securities markets, and declines in the housing market and the economy generally have combined to increase the uncertainty inherent in such estimates and assumptions. Actual results could differ from these estimates. Changes in estimates resulting from continuing changes in the economic environment will be reflected in the consolidated financial statements in future periods.
Cash and Cash Equivalents	Cash and Cash Equivalents Cash and cash equivalents include cash on hand, amounts due from banks and interest-bearing deposits at other financial institutions and short-term investments.
Securities	Securities Securities are classified as available for sale and held to maturity. Management determines the appropriate classification of securities at the time of purchase. Securities that management has the positive intent and ability to hold to maturity are classified as held to maturity and reported at amortized cost. Securities not classified as held to maturity are classified as available for sale and carried at estimated fair value, with unrealized holding gains or losses, net of taxes, reported as a separate component of accumulated other comprehensive income or loss ("OCI") included in stockholders' equity. The fair values of these securities are based on market quotations or matrix pricing as discussed in note 17. The Company evaluates securities for other-than-temporary impairment at each reporting period and more frequently when economic or market conditions warrant such evaluation. In this evaluation, if such declines were deemed other-than temporary, management would measure the total credit-related component of the unrealized loss, and recognize that portion of the loss as a charge to current period earnings. The remaining portion of the unrealized loss would be recognized as an adjustment to OCI. The fair value of the securities portfolio is significantly affected by changes in interest rates. In general, as interest rates rise, the fair value of fixed-rate securities decreases and as interest rates fall, the fair value of fixed-rate securities increases. The Company determines if it has the intent to sell securities or if it more likely than not that the Company would be required to sell the securities before the anticipated recovery. If either exists, the decline in value is considered other-than-temporary and would be recognized in current period earnings. Premiums and discounts on securities are generally amortized and accreted to income over the contractual lives of the securities using the level-yield method. Premiums on callable securities are amortized to the earliest call date. Dividend and interest income are recognized when earned. Realized gains and losses are recognized when securities are sold or called based on the specific identification method. In the ordinary course of business, securities are pledged as collateral in conjunction with the Company’s borrowings, lines of credit, and public funds on deposit.
Federal Home Loan Bank Stock	Federal Home Loan Bank Stock The Banks, as members of the Federal Home Loan Bank of New York (the "FHLB"), are required to hold shares of capital stock of the FHLB based on its activities, primarily its outstanding borrowings. The investment is carried at cost, or par value, which approximates fair value. Cash dividends are reported as income.
Loans Held-for-Sale	Loans Held-for-SaleLoans held-for-sale consists of loans intended for sale in the secondary market. These loans are carried at the lower of cost or estimated fair value, less costs to sell, as determined on an individual loan basis. Net unrealized losses, if any, are recognized in a valuation allowance through a charge to earnings. Origination fees and costs on loans held-for-sale are deferred and recognized on settlement dates as a component of the gain or loss on sale. Loans held-for-sale are generally sold with loan servicing rights retained by the Columbia Bank.
Loans Receivable	Loans Receivable Loans receivable are carried at unpaid principal balances adjusted by unamortized premiums and unearned discounts, net deferred origination fees and costs less the allowance for loan losses. The Company defers loan origination fees and certain direct loan origination costs and accretes such amounts as an adjustment to the yield over the expected lives of the related loans using the level-yield method. Interest income on loans is accrued and credited to income as earned. Premiums and discounts on loans purchased are amortized or accreted as an adjustment to yield over the contractual lives of the related loans using methodologies which approximate the level-yield method. A loan is considered delinquent when payment has not been received within 30 days of its contractual due date. Generally, a loan in designated as a non-accrual loan when the payment of interest is 90 days or more in arrears of its contractual due date. When a loan is placed on non-accrual status, any interest accrued but not received is reversed against interest income. Payments received on a non-accrual loan are either applied to the outstanding principal balance or recorded as interest income, depending on an assessment of the ability to collect the loan. Non-accruing loans are returned to accrual status after there has been a sustained period of repayment performance (generally six consecutive months of payment) and both principal and interest are deemed collectible. The Company identifies loans which may need to be charged-off as a loss, by reviewing all delinquent loans, classified loans and other loans that management may have concerns about collectability.
Purchased Credit-Impaired ("PCI") Loans	Purchased Credit-Impaired ("PCI") Loans Purchased credit impaired loans are loans acquired through acquisitions at a discount primarily due to deteriorated credit quality. PCI loans are recorded at fair value at the date of acquisition, based upon the present value of expected future cash flows, with no carryover of the related allowance for credit losses. Determining the fair value of the loans involves projecting the amount and timing of principal and/or interest cash flows expected to be collected on the loans discounting those cash flows at a market rate of interest. The excess of cash flows expected at acquisition over the estimated fair value is referred to as the accretable yield and is recognized into interest income over the remaining life of the loan. The difference between contractually required payments at acquisition and the cash flows expected to be collected at acquisition is referred to as the nonaccretable yield. The nonaccretable yield represents estimated future credit losses expected to be incurred over the life of the loan. Subsequent decreases to the expected cash flows require us to evaluate the need for an allowance for credit losses. Subsequent improvements in expected cash flows result in the reversal of a corresponding amount of the nonacretable yield which we then reclassify as accretable yield that is recognized into interest income over the remaining life of the loan using the interest method. The evaluation of the amount of future cash flows that is expected to be collected is performed in a similar manner used to determine the allowance for loan losses. Any charge-offs of principal on acquired loans would first be applied against the nonaccretable yield portion of the fair value adjustment.
Allowance for Loan Losses	Allowance for Loan Losses Losses on loans are charged to the allowance for loan losses. Additions to this allowance are made by recoveries of loans previously charged off and by a provision charged to expense. The determination of the balance of the allowance for loan losses is based on an analysis of the loan portfolio, economic conditions, historical loan loss experience and other factors that warrant recognition in providing an adequate allowance. Estimates and judgments required to establish the allowance include: overall economic environment; value of collateral; strength of guarantors; loss exposure in the event of default; the amount and timing of future cash flows on impaired loans; and determination of loss factors applied to the portfolio segments. These estimates are susceptible to significant change. Management regularly reviews loss experience within the portfolio and monitors current economic conditions and other factors related to the collectability of the loan portfolio. While management uses available information, future additions to the allowance may be necessary based on changes in economic conditions in the Company's market area. In addition, regulatory agencies, as an integral part of their examination process, periodically review the adequacy of the Company's allowance for loan losses as an integral part of their examination. Such agencies may require the Banks to recognize additions to the allowance or additional write-downs based on their judgments about information available to them at the time of their examination. Although management uses the best information available, the level of the allowance for loan losses remains an estimate that is subject to significant uncertainties.
Troubled Debt Restructuring	Troubled Debt Restructuring Troubled debt restructured loans are those loans where the Company has granted a concession it would not otherwise consider because of economic or legal reasons pertaining to a debtor’s financial difficulties. A concession could include a reduced interest rate below a market rate, an extension of the term of the loan, or a combination of the two methods, but generally does not result in the forgiveness of principal or accrued interest. Not all concessions granted by the Company constitute a troubled debt restructuring. Once an obligation has been restructured and designated as a troubled debt restructuring, it continues to be designed as a restructured loan until paid in full. The Company records an impairment charge equal to the difference between the present value of expected future cash flows under the restructured terms discounted at the loan’s original effective interest rate, and the loan’s carrying value. Changes in the calculated impairment due to the passage of time are recorded as an adjustment to the allowance for loan losses. Restructured loans that were accruing prior to the restructuring, where income was reasonably assured subsequent to the restructuring, maintain their accrual status. Restructured loans for which collectability was not reasonably assured are placed on non-accrual status, interest accruals cease, and uncollected accrued interest is reversed and charged against current income. Non-accruing restructured loans may be returned to accrual status when there is a sustained period of repayment performance (generally six consecutive months of payments), and both principal and interest are deemed collectible.
Loans Sold and Serviced	Loans Sold and Serviced The Company has entered into Guarantor Swaps with Freddie Mac to improve its liquidity. In these types of transactions, the Company sells mortgage loans in exchange for Freddie Mac Mortgage Participation Certificates backed exclusively by the loans sold. The Company retains the servicing of these loans. The Company also periodically sells loans to investors and continues to service such loans for a fee. Gains or losses on the sale of loans are recorded on trade date using the specific-identification method.
Office Properties and Equipment	Office Properties and EquipmentLand is carried at cost. Office properties, land and building improvements, furniture and equipment, and leasehold improvements are carried at cost, less accumulated depreciation and amortization. Depreciation and amortization of office properties and equipment is computed on a straight-line basis over their estimated useful lives (generally 40 years for buildings, 10 years to 20 years for land and building improvements, 3 years to 10 years for furniture and equipment). Leasehold improvements, carried at cost, net of accumulated depreciation, are amortized over the terms of the related leases or the estimated useful lives of the assets, whichever is shorter. Major improvements are capitalized, while repairs and maintenance costs are charged to expense as incurred. Upon retirement or sale, any gain or loss is recognized as incurred.
Bank-owned Life Insurance	Bank-owned Life Insurance ("BOLI")Bank-owned life insurance is accounted for using the cash surrender value method and is recorded at its net realizable value. The change in the net asset value is recorded as a component of non-interest income. A deferred liability has been recorded for the estimated cost of post-retirement life insurance benefits accruing to applicable employees and directors covered by an endorsement split-dollar life insurance arrangement.
Goodwill and Intangible Assets	Goodwill and Intangible Assets Intangible assets of the Company consist of goodwill, core deposit intangibles and mortgage servicing rights. Goodwill represents the excess of the purchase price over the fair value of net assets acquired in purchase acquisitions. In accordance with GAAP, goodwill with an indefinite useful life is not amortized, but is evaluated for impairment on an annual basis, or more frequently if events or changes in circumstances indicate potential impairment between annual measurement dates. As permitted by GAAP, the Company prepares a qualitative assessment in determining whether goodwill may be impaired. The factors considered in the assessment include macroeconomic conditions, industry and market conditions and overall financial performance of the Company, among others. The Company completed its annual goodwill impairment test as of December 31, 2021 based upon its qualitative assessment of goodwill and concluded that goodwill was not impaired and no further quantitative analysis was warranted. Core deposit intangibles represent the intangible value of depositor relationships acquired by the Company through purchase acquisitions of Stewardship and Freehold. The premiums ascribed to these deposits are amortized over their estimated useful lives. Mortgage servicing rights are recorded when purchased or when originated mortgage loans are sold, with servicing rights retained. Mortgage servicing rights are amortized on an accelerated method based upon the estimated lives of the related loans, and generally adjusted for prepayments. Mortgage servicing rights are carried at the lower of amortized cost or fair value.
Leases	Leases The Company determines if an arrangement is a lease at inception. 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 other liabilities ROU assets represent the Company’s right to use an underlying asset for the lease term, and lease liabilities represent the Company’s obligation to make lease payments arising from the lease arrangements. The calculated amounts of the ROU asset and lease liabilities are impacted by the length of the lease term and the discount rate used to calculate the present value of minimum lease payments. As the Company's leases do not provide an implicit rate, the discount rate used in determining the lease liability for each individual lease is the Company's incremental borrowing rate. The present value of the lease liability may include the impact of options to extend or terminate the lease when it is reasonably certain that the Company will exercise such options provided in the lease terms. Lease expense is recognized on a straight-line basis over the expected lease term. Lease agreements that include lease and non-lease components, such as common area maintenance charges, are accounted for separately.
Post-retirement Benefits	Post-retirement Benefits The Company provides certain health care and life insurance benefits to eligible retired employees under a Post-retirement Plan, along with a split-dollar BOLI death benefit. The Company accrues the cost of retiree health care and other benefits during the employees’ period of active service. Effective January 1, 2019, the Post-retirement plan has been closed to new hires.
Employee Benefits Plans	Employee Benefit Plans Columbia Bank maintains a single-employer tax-qualified defined benefit pension plan (the "Pension Plan") which covers full-time employees that satisfy the Pension Plan eligibility requirements. Effective October 1, 2018, employees hired are not eligible to participate in the Columbia Bank's Pension Plan as the plan has been closed to new employees as of that date. The policy is to fund at least the minimum contribution required by the Employee Retirement Income Security Act of 1974. GAAP requires an employer to: (a) recognize in its statement of financial position the over-funded or under-funded status of a defined benefit post-retirement plan measured as the difference between the fair value of plan assets and the benefit obligation; (b) measure a plan’s assets and its obligations that determine its funded status at the end of the employer’s fiscal year (with limited exceptions); and (c) recognize as a component of other comprehensive income (loss), net of tax, the actuarial gains and losses and the prior service costs and credits that arise during the period. The assets of the plan are primarily invested in fixed income and equity funds. Columbia Bank has a retirement income maintenance plan (the "RIM Plan") which is a non-qualified defined benefit plan which provides benefits to all employees of the Company if their benefits under the Pension Plan are limited by the Internal Revenue Code. Columbia Bank and Freehold Bank each have a 401(k) plan covering substantially all employees. Columbia Bank may match a percentage of the first 3.00% to 4.50% contributed by participants. Columbia's matching contribution, if any, is determined by their Board of Directors in its sole discretion. Freehold does not presently match any portion of employee contribution, but may provide an annual match determined by their Board of Directors in its sole discretion. Columbia Bank has an Employee Stock Ownership Plan ("ESOP"). The funds borrowed by the ESOP from the Company to purchase the Company's common stock are being repaid from Columbia Bank's contributions over a period of 20 years. The Company's common stock not allocated to participants is recorded as a reduction of stockholders' equity at cost. Compensation expense for the ESOP is based on the average price of the Company's stock and the amount of shares committed to be allocated during each period. Columbia Bank has a Supplemental Executive Retirement Plan ("SERP"). The SERP is a non-qualified plan which provides supplemental retirement benefits to eligible officers (those designated by the Board of Directors) of the Company who are prevented from receiving the full benefits contemplated by the ESOP's benefit formulas under tax law limits for tax-qualified plans. In addition, the Company maintains a stock based deferral plan (the "Stock Based Deferral Plan") for certain executives and directors. The Company records a deferred compensation equity account and corresponding contra-equity account for the cost of the shares held by the Stock Based Deferral and SERP Plans. Columbia Bank also maintains a non-qualified savings income maintenance deferred compensation plan (the "SIM Plan") that provides supplemental benefits to certain executives who are prevented from receiving the full benefits contemplated by the 401(k) Plan under tax law limits for tax-qualified plans, and a Deferred Compensation Plan for directors.
Derivatives	Derivatives The Company uses derivative financial instruments as components of its market risk management, principally to manage interest rate risk. Certain derivatives are entered into in connection with transactions with commercial customers. Derivatives are not used for speculative purposes. All derivatives are recognized as either assets or liabilities in the Consolidated Statements of Financial Condition, reported at fair value and presented on a gross basis. Until a derivative is settled, a favorable change in fair value results in an unrealized gain that is recognized as an asset, while an unfavorable change in fair value results in an unrealized loss that is recognized as a liability. The Company generally applies hedge accounting to its derivatives used for market risk management purposes. Hedge accounting is permitted only if specific criteria are met, including a requirement that a highly effective relationship exists between the derivative instrument and the hedged item, both at inception of the hedge and on an ongoing basis. Changes in the fair value of effective fair value hedges are recognized in current earnings (with the change in fair value of the hedged asset or liability also recognized in earnings). Changes in the fair value of effective cash flow hedges are recognized in other comprehensive income (loss) until earnings are affected by the variability in cash flows of the designated hedged item. Ineffective portions of hedge results are recognized in current earnings. Changes in the fair value of derivatives for which hedge accounting is not applied are recognized in current earnings. The Company formally documents at inception all relationships between the derivative instruments and the hedged items, as well as its risk management objectives and strategies for undertaking the hedge transactions. This process includes linking all derivatives that are designated as hedges to specific assets and liabilities, or to specific firm commitments. The Company also formally assesses, both at inception of the hedge and on an ongoing basis, whether the derivatives that are used in hedging transactions are highly effective in offsetting changes in the fair values or cash flows of the hedged items. If it is determined that a derivative is not highly effective or has ceased to be a highly effective hedge, the Company would discontinue hedge accounting prospectively. Gains or losses resulting from the termination of a derivative accounted for as a cash flow hedge remain in other comprehensive income (loss) and is (accreted) amortized to earnings over the remaining period of the former hedging relationship. Certain derivative financial instruments are offered to certain commercial banking customers to manage their risk of exposure and risk management strategies. These derivative instruments consist primarily of currency forward contracts and interest rate swap contracts. The risks associated with these transactions is mitigated by simultaneously entering into similar transactions having essentially offsetting terms with a third party. In addition, the Company executes interest rate swaps with third parties in order to hedge the interest rate risk of short-term FHLB advances.
Income Taxes	Income Taxes The Company and its subsidiaries file consolidated federal income tax returns. Federal income taxes are allocated to each entity based on their respective contributions to taxable income of the consolidated income tax returns. Beginning in 2019 as required by the State of New Jersey, the Company adopted combined income tax reporting for certain members of a commonly-controlled unitary business group. Prior to 2019, separate state income tax returns were filed for the Company and each of its qualifying subsidiaries. The Company records income taxes in accordance with ASC Topic 740, Income Taxes , using the asset and liability method. The amounts reflected on the Company's federal and state income tax returns differ from these provisions due principally to temporary differences in the reporting of certain items for consolidated financial statement reporting and income tax reporting purposes. Accordingly, deferred tax assets and liabilities: (i) are recognized for the expected future tax consequences of events that have been recognized in the financial statements or tax returns; (ii) are attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases; and (iii) are measured using enacted tax rates expected to apply in the years when those temporary differences are expected to be recovered or settled. Where applicable, deferred tax assets are reduced by a valuation allowance for any portions determined not likely to be realized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date. The valuation allowance is adjusted, by a charge or credit to income tax expense, as changes in facts and circumstances warrant. The Company did not have any liabilities for uncertain tax positions or any known unrecognized tax benefits at December 31, 2021 and 2020. The Company recognizes interest and penalties related to unrecognized tax benefits in income tax expense in the Consolidated Statements of Income. The Company did not recognize any interest and penalties during the years ended December 31, 2021, 2020 and 2019. (2) Summary of Significant Accounting Policies (continued) Income Taxes (continued) On July 1, 2018, New Jersey enacted legislation which adds to the state’s 9.0% Corporation Business Tax rate (i) a 2.5% surtax for periods beginning in 2018 and 2019 and (ii) a 1.5% surtax for periods beginning in 2020 and 2021. Subsequently, on September 12, 2020, New Jersey enacted legislation that restored and extended the 2.5% Corporation Business Tax surcharge to apply retroactively from January 1, 2020 through December 31, 2023. These surtaxes apply to corporations with more than $1.0 million of net income allocated to New Jersey. In addition, for periods beginning in 2019, as previously noted, New Jersey adopted combined income tax reporting for certain members of a commonly-controlled unitary business group, and issued guidance in December 2019 to clarify business entities to be included and excluded from this combined group.
Comprehensive Income (Loss)	Comprehensive Income (Loss) Comprehensive income (loss) consists of net income and other comprehensive income (loss). Other comprehensive income (loss) includes items recorded in equity, such as unrealized gains and losses on debt securities available for sale, the noncredit component of other than temporary impairment losses on debt securities, unrealized gains and losses on derivatives, and the unfunded status and reclassification of actuarial net (loss) gain associated with the Company's benefit plans. Comprehensive income is presented in a separate Consolidated Statement of Comprehensive Income (Loss).
Segment Reporting	Segment Reporting The Company’s operations are substantially in the financial services industry and include providing traditional banking and other financial services to its customers. The Company operates primarily in New Jersey. Management makes operating decisions and assesses performance based on an ongoing review of the Company’s consolidated financial results. Therefore, the Company has a single operating segment for financial reporting purposes.
Earnings Per Share	Earnings Per Share ("EPS") Basic EPS is computed by dividing net income available to common shareholders by the weighted average number of common shares outstanding during the period. For purposes of calculating basic EPS, weighted average common shares outstanding excludes treasury stock, unallocated employee stock ownership plan shares that have not been committed for release and deferred compensation obligations required to be settled in shares of Company stock.
Stock Compensation Plans	Stock Compensation Plans Compensation expense related to stock options and non-vested restricted stock awards is based on the fair value of the award on the measurement date with expense recognized on a straight line basis over the requisite performance or service period. The fair value of stock options is estimated utilizing the Black-Scholes option pricing model. The fair value of non-vested restricted stock awards is generally the closing market price of the Company's common stock on the date of grant. The Company accounts for forfeitures as they occur.
Recent Accounting Pronouncements	Recent Accounting Pronouncements As an “emerging growth company” as defined in Title 1 of the Jumpstart Our Business Startups (JOBS) Act prior to December 31, 2019, the Company elected to use the extended transition period to delay the adoption of new or reissued accounting pronouncements applicable to public companies until such pronouncements were made applicable to private companies. Accounting Pronouncements Adopted In October 2018, the FASB issued ASU No. 2018-16, Derivatives and Hedging (Topic 815)- Inclusion of the Secured Overnight Financing Rate ("SOFR") Overnight Index Swap ("OIS") Rate as a Benchmark Interest Rate for Hedge Accounting Purposes. This ASU permits the use of the OIS rate based upon SOFR as a U.S. benchmark interest rate for hedge accounting purposes under Topic 815 in addition to the direct Treasury obligations of the U.S. Government, the LIBOR swap rate, the OIS rate based on the Fed Funds Effective Rate, and the Securities Industry and Financial Markets Association Municipal Swap Rate. The amendments in this ASU are required to be adopted concurrently with the amendments in ASU No. 2017-12, Derivatives and Hedging: Targeted Improvements to Accounting for Hedging Activities, which was issued in August 2017. The effective date for this ASU for the Company is for fiscal years beginning after December 15, 2019, with early adoption, including adoption in an interim period permitted. The amendments should be adopted on a prospective basis for qualifying new or redesignated hedging relationships entered into on or after date of adoption. The Company adopted this guidance effective January 1, 2020. The adoption of this ASU did not have a material impact on the Company's consolidated financial statements. In August 2018, the FASB issued ASU 2018-14, Compensation-Retirement Benefits-Defined Benefit Plans-General (Subtopic 715-20): Disclosure Framework-Changes to the Disclosure Requirements for Defined Benefit Plans. The amendments in this update modify the disclosure requirements for employers that sponsor defined benefit pension or other post-retirement plans by removing disclosures that no longer are considered cost beneficial, clarifying the specific requirements of disclosures, and adding disclosure requirements identified as relevant. Among other changes, the ASU adds disclosure requirements to Topic 715-20 for the weighted-average interest crediting rates for cash balance plans and other plans with promised interest crediting rates and an explanation of the reasons for significant gains and losses related to changes in benefit obligation for the period. The amendments remove disclosure requirements for the amounts in accumulated other comprehensive income expected to be recognized as components of net periodic benefit cost over the next fiscal year, the amount and timing of plan assets expected to be returned to the employer, and the effects of a one-percentage-point change in assumed health care cost trend rates on the (a) aggregate of the service and interest cost components of net periodic benefit costs and (b) benefit obligation for post-retirement health care benefits. ASU 2018-14 is effective for fiscal years beginning after December 15, 2020, including interim reporting periods within that reporting period, with early adoption permitted. The Company adopted this ASU effective January 1, 2021. The update will be applied on a retrospective basis to disclosures with regard to employee benefit plans. The adoption of this update did not have a significant impact on the Company's consolidated financial statements. In August 2018, the FASB issued ASU No. 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. The purpose of this updated guidance is to improve the effectiveness and disclosures in the notes to the consolidated financial statements . The ASU removes the requirement to disclose the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy; removes the policy for timing of transfers between levels; and removes the disclosure related to the valuation process for Level 3 fair value measurements. The ASU also modifies existing disclosure requirements which relate to the disclosure for investments in certain entities which calculate net asset value and clarifies the disclosure about uncertainty in the measurements as of the reporting date. For all entities, the effective date for this guidance is fiscal years beginning after December 15, 2019, including interim periods within the reporting period, with early adoption permitted. Entities are also allowed to elect early adoption of the eliminated or modified disclosure requirements and delay adoption of the new disclosure requirements until their effective date. The Company adopted this guidance effective January 1, 2020. The adoption of this ASU did not have a material impact on the Company's consolidated financial statements. In March 2017, the FASB issued ASU No. 2017-08, Receivables - Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities. This guidance shortens the amortization period for premiums on callable debt securities by requiring that premiums be amortized to the first (or earliest) call date instead of as an adjustment to the yield over the contractual life. This change more closely aligns the accounting with the economics of a callable debt security and the amortization period with expectations that already are included in market pricing on callable debt securities. This guidance does not change the accounting for discounts on callable debt securities, which will continue to be amortized to the maturity date. This guidance includes only instruments that are held at a premium and have explicit call features. It does not include instruments that (2) Summary of Significant Accounting Policies (continued) Recent Accounting Pronouncements (cont'd) Accounting Pronouncements Adopted (continued) contain prepayment features, such as mortgage backed securities; nor does it include call options that are contingent upon future events or in which the timing or amount to be paid is not fixed. The effective date for this ASU for the Company is fiscal years beginning after December 15, 2019, including interim periods within the reporting period, with early adoption permitted. Transition is on a modified retrospective basis with an adjustment to retained earnings as of the beginning of the period of adoption. The Company adopted this guidance effective January 1, 2020. The adoption of this ASU did not have a material impact on the Company's consolidated financial statements. In January 2017, the FASB issued ASU No. 2017-04, Intangibles-Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment. The main objective of this guidance is to simplify the accounting for goodwill impairment by requiring that impairment charges be based upon the first step in the current two-step impairment test under ASC 350. Currently, if the fair value of a reporting unit is lower than its carrying amount (Step 1), an entity calculates any impairment charge by comparing the implied fair value of goodwill with its carrying amount (Step 2). The implied fair value of goodwill is calculated by deducting the fair value of all assets and liabilities of the reporting unit from the reporting unit’s fair value as determined in Step 1. To determine the implied fair value of goodwill, entities estimate the fair value of any unrecognized intangible assets and any corporate-level assets or liabilities that were included in the determination of the carrying amount and fair value of the reporting unit in Step 1. Under this guidance, if a reporting unit’s carrying amount exceeds its fair value, an entity will record an impairment charge based on that difference. The impairment charge will be limited to the amount of goodwill allocated to that reporting unit. This guidance eliminates the requirement to calculate a goodwill impairment charge using Step 2. This guidance does not change the guidance on completing Step 1 of the goodwill impairment test. Under this guidance, an entity will still be able to perform the current optional qualitative goodwill impairment assessment before determining whether to proceed to Step 1. The guidance in the ASU was applied prospectively and is effective for the Company for annual and interim impairment tests performed in periods beginning after December 15, 2019. The Company adopted this guidance effective January 1, 2020. The adoption of this ASU did not have a material impact on the Company's consolidated financial statements. In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842). This guidance requires all lessees to recognize a lease liability and a right-of-use asset, measured at the present value of the future minimum lease payments, at the lease commencement date for leases classified as operating leases as well as finance leases. The update also requires new quantitative disclosures related to leases in the Company's consolidated financial statements. There are also practical expedients in this update related to leases that commenced before the effective date, initial direct costs and the use of hindsight to extend or terminate a lease or purchase a leased asset. Lessor accounting remains largely unchanged under this new guidance. In January 2018, the FASB issued ASU 2018-01, Leases (Topic 842)-Land Easement Practical Expedient for Transition to Topic 842 , which provides an optional practical expedient to not evaluate land easements which were existing or expired before the adoption of Topic 842 that were not accounted for as leases under Topic 840. In July 2018, the FASB issued ASU 2018-10, Codification Improvements to Topic 842, Leases and ASU 2018-11, Leases (Topic 842) -Targeted Improvements which provides entities with an optional transition method under which comparative periods presented in the financial statements will continue to be in accordance with current Topic 840, Leases, and a practical expedient to not separate non-lease components from the associated lease component. The guidance is effective for the Company for annual periods beginning after December 15, 2019, including interim periods within that reporting period. In the evaluation of this guidance, the Company identified the inventory of leases and actively accumulated the requisite lease data necessary to apply the guidance. The Company selected a software platform to support the recording, accounting and disclosure requirements of the new lease guidance. Upon adoption, the Company recorded a right-of-use asset and lease liability as of January 1, 2020. See note 9 for more information regarding adoption. (2) Summary of Significant Accounting Policies (continued) Recent Accounting Pronouncements (cont'd) Accounting Pronouncements Adopted (continued) In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments- Overall: Recognition and Measurement of Financial Assets and Financial Liabilities. This guidance requires an entity to: (i) measure equity investments at fair value through net income, with certain exceptions; (ii) present in other comprehensive income the changes in instrument-specific credit risk for financial liabilities measured using the fair value option; (iii) present financial assets and financial liabilities by measurement category and form of financial asset; (iv) calculate the fair value of financial instruments for disclosure purposes based on an exit price; and (v) assess a valuation allowance on deferred tax assets related to unrealized losses on available-for-sale debt securities in combination with other deferred tax assets. This guidance provides an election to subsequently measure certain non-marketable equity investments at cost less any impairment and adjusted for certain observable price changes. The guidance also requires a qualitative impairment assessment of such equity investments and amends certain fair value disclosure requirements. The Company adopted this guidance effective January 1, 2019. As a result, $1.9 million of equity securities, as of December 31, 2018, were reclassified from securities available for sale, and presented as a separate line item on the Consolidated Statements of Financial Condition. The $548,000 after tax unrealized gain on these securities, at time of adoption, was reclassified from other comprehensive income (loss) to retained earnings, and is reflected in the consolidated statements of changes in stockholders' equity. For financial instruments that are measured at amortized cost, the Company measures fair value utilizing an exit price methodology. See note 6 for additional disclosure regarding the impact of adoption of this ASU on the Company's consolidated financial statements.
Fair Value Measurements	Debt Securities Available for Sale, at Fair ValueFor debt securities available for sale, fair value was estimated using a market approach. The majority of these securities are fixed income instruments that are not quoted on an exchange, but are traded in active markets. Prices for these instruments are obtained through third-party data service providers or dealer market participants with which the Company has historically transacted both purchases and sales of securities. Prices obtained from these sources include market quotations and matrix pricing. Matrix pricing, a Level 2 input, is a mathematical technique used principally to value certain securities to a benchmark or to comparable securities. The Company evaluates the quality of Level 2 matrix pricing through comparison to similar assets with greater liquidity and evaluation of projected cash flows. As the Company is responsible for the determination of fair value, it performs quarterly analysis on the prices received from the pricing service to determine whether the prices are reasonable estimates of fair value. Specifically, the Company compares the prices received from the pricing service to a secondary pricing source. Additionally, the Company compares changes in the reported market values and returns to relevant market indices to assess the reasonableness of the reported prices. The Company’s internal price verification procedures and review of fair value methodology documentation provided by independent pricing services has not historically resulted in an adjustment in the prices obtained from the pricing service. The Company may hold debt instruments issued by the U.S. government and U.S. government-sponsored agencies that are traded in active markets with readily accessible quoted market prices that are considered Level 1 inputs. (17) Fair Value Measurements (continued) Equity Securities, at Fair Value The Company holds equity securities that are traded in active markets with readily accessible quoted market prices that are considered Level 1 inputs. A trust preferred security that is not traded in an active market and Federal Home Loan Mortgage Corporation ("FHLMC") and Federal National Mortgage Association ("FNMA") preferred stock, are considered Level 2 instruments. In addition, Level 2 instruments include Atlantic Community Bankers Bank ("ACBB") stock, which is based on redemption at par value and can only be sold to the issuing ACBB or another institution that holds ACBB stock. Derivatives The Company records all derivatives included in other assets and liabilities on the Consolidated Statements of Financial Condition at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting, and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. See note 21 for disclosures related to the accounting treatment for derivatives. The fair value of the Company's derivatives is determined using discounted cash flow analysis using observable market-based inputs, which are considered Level 2 inputs. Impaired Loans Loans which meet certain criteria are evaluated individually for impairment. Loan impairment is measured based on the present value of expected future cash flows discounted at the loan's effective interest rate or, as a practical expedient, at the loan's observable market price or the fair value of the collateral if the loan is collateral dependent. For loans measured for impairment based on the fair value of the underlying collateral, fair value was estimated using a market approach. The Company measures the fair value of collateral underlying impaired loans primarily through obtaining independent appraisals that rely upon quoted market prices for similar assets in active markets. These appraisals include adjustments, on an individual case-by-case basis, to comparable assets based on the appraisers’ market knowledge and experience, as well as adjustments for estimated costs to sell between 6% and 8%. The Company classifies these loans as Level 3 within the fair value hierarchy. Mortgage Servicing Rights, Net ("MSR"s") Mortgage servicing rights are carried at the lower of cost or estimated fair value. The estimated fair value of MSRs is obtained through an analysis of future cash flows, incorporating assumptions that market participants would use in determining fair value including market discount rates, prepayments speeds, servicing income, servicing costs, default rates and other market driven data, including the market's perception of future interest rate movements. The prepayment speed and the discount rate are considered two of the most significant inputs in the model. A significant degree of judgment is involved in valuing the mortgage servicing rights using Level 3 inputs. The use of different assumptions could have a significant effect on this fair value estimate. Other Fair Value Disclosures The Company is required to disclose estimated fair value of financial instruments, both assets and liabilities on and off the balance sheet, for which it is practicable to estimate fair value. A description of the valuation methodologies used for those assets and liabilities not recorded at fair value on a recurring or non-recurring basis are set forth below. Cash and Cash Equivalents For cash and due from banks, federal funds sold and short-term investments, the carrying amount approximates fair value due to their nature and short-term maturities. Debt Securities Held to Maturity For debt securities held to maturity, fair value was estimated using a market approach. The majority of the Company’s securities are fixed income instruments that are not quoted on an exchange, but are traded in active markets. Prices for these instruments are obtained through third-party data service providers or dealer market participants with which the Company has historically transacted both purchases and sales of securities. Prices obtained from these sources include market quotations and matrix pricing. Matrix pricing, a Level 2 input, is a mathematical technique used principally to value certain securities to benchmark or to compare securities. The Company evaluates the quality of Level 2 matrix pricing through comparison to similar assets with greater liquidity and evaluation of projected cash flows. As the Company is responsible for the determination of fair value, it performs quarterly analysis on the prices received from the pricing service to determine whether the prices are reasonable estimates of fair value. Specifically, the Company compares the prices received from the pricing service to a secondary pricing source. Additionally, the Company compares changes in the reported market values and returns to relevant market indices to assess the reasonableness of the reported prices. The Company’s internal price verification procedures and review of fair value methodology documentation provided by independent pricing services has not historically resulted in an adjustment in the prices obtained from the pricing service. The Company also holds debt instruments issued by the U.S. government and U.S. government sponsored agencies that are traded in active markets with readily accessible quoted market prices that are considered Level 1 inputs within the fair value hierarchy. Federal Home Loan Bank Stock ("FHLB") The fair value of FHLB stock is based on redemption at par value and can only be sold to the issuing FHLB, to other FHLBs, or to other member banks. As such, the Company's FHLB stock is recorded at cost, or par value, and is evaluated for impairment each reporting period by considering the ultimate recoverability of the investment rather than temporary declines in value. The Company classifies the estimated fair value as Level 2 within the fair value hierarchy. Loans Receivable Fair values are estimated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as commercial mortgage, residential mortgage, commercial, construction, and consumer and other. Each loan category is further segmented into fixed and adjustable rate interest terms and into performing and non-performing categories. The fair value of performing loans was estimated using a combination of techniques, including a discounted cash flow model that utilizes a discount rate that reflects the Company's current pricing for loans with similar characteristics and remaining maturity, adjusted by an amount for estimated credit losses inherent in the portfolio at the balance sheet date. The rates take into account the expected yield curve, as well as an adjustment for prepayment risk, when applicable. The Company classifies the estimated fair value of its loan portfolio as Level 3. The fair value for significant non-performing loans was based on recent external appraisals of collateral securing such loans, adjusted for the timing of anticipated cash flows. The Company classifies the estimated fair value of its non-performing loan portfolio as Level 3. Deposits The fair value of deposits with no stated maturity, such as demand, money market, and savings and club deposits are payable on demand at each reporting date and classified as Level 2. The estimated fair value of certificates of deposit was based on the discounted value of contractual cash flows. The discount rate was estimated using the Company’s current rates offered for deposits with similar remaining maturities. The Company classifies the estimated fair value of its certificates of deposit portfolio as Level 2. (17) Fair Value Measurements (continued) Borrowings The fair value of borrowings was estimated by discounting future cash flows using rates available for debt with similar terms and maturities and is classified by the Company as Level 2 within the fair value hierarchy. Commitments to Extend Credit and Letters of Credit The fair value of commitments to extend credit and letters of credit was estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counter-parties. For fixed rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value estimates of commitments to extend credit and letters of credit are deemed immaterial. Limitations Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because limited markets exist for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

Acquisitions (Tables)

Acquisitions (Tables)	12 Months Ended
	Dec. 31, 2021
Business Combinations [Abstract]
Schedule of recognized identified assets acquired and liabilities assumed	The following table sets forth assets acquired and liabilities assumed in the Stewardship acquisition, at their estimated fair values as of the closing date of the transaction: November 1, 2019 Assets acquired: (In thousands) Cash and cash equivalents $ 105,006 Debt securities available for sale 51,710 Equity securities 1,073 Federal Home Loan Bank stock 3,716 Loans receivable 757,223 Accrued interest receivable 2,239 Office properties and equipment, net 6,815 Bank-owned life insurance 22,096 Deferred tax assets, net 3,534 Core deposit and other intangibles 7,467 Other assets 767 Total assets acquired $ 961,646 Liabilities assumed: Deposits $ 782,698 Borrowings 82,761 Advance payments by borrowers for taxes and insurance 356 Accrued expenses and other liabilities 14,584 Total liabilities assumed $ 880,399 Net assets acquired $ 81,247 Cash paid for purchase 136,294 Goodwill recorded at merger $ 55,047 The following table sets forth assets acquired and liabilities assumed in the Roselle acquisition, at their estimated fair values as of the closing date of the transaction: April 1, 2020 Assets acquired: (In thousands) Cash and cash equivalents $ 155,248 Debt securities available for sale 51,479 Debt securities held to maturity 13,418 Equity securities 1,796 Federal Home Loan Bank stock 2,010 Loans receivable 171,593 Accrued interest receivable 679 Office properties and equipment, net 5,774 Bank-owned life insurance 17,245 Deferred tax assets, net 1,334 Other assets 1,489 Total assets acquired $ 422,065 Liabilities assumed: Deposits $ 333,234 Borrowings 37,728 Advance payments by borrowers for taxes and insurance 982 Accrued expenses and other liabilities 5,400 Total liabilities assumed $ 377,344 Net assets acquired $ 44,721 Fair market value of stock issued to Columbia Bank MHC for purchase 68,530 Goodwill recorded at merger $ 23,809 The following table sets forth assets acquired and liabilities assumed in the Freehold acquisition, at their estimated fair values as of the closing date of the transaction: December 1, 2021 Assets acquired: (In thousands) Cash and cash equivalents $ 20,417 Debt securities available for sale 118,017 Federal Home Loan Bank stock 3,032 Loans receivable 158,912 Accrued interest receivable 867 Office properties and equipment, net 5,934 Bank-owned life insurance 8,661 Deferred tax assets, net 454 Core deposit and other intangibles 42 Other assets 162 Total assets acquired $ 316,498 Liabilities assumed: Deposits 210,117 Borrowings 59,908 Advance payments by borrowers for taxes and insurance 495 Accrued expenses and other liabilities 4,822 Total liabilities assumed $ 275,342 Net assets acquired $ 41,156 Fair market value of stock issued to Columbia Bank MHC for purchase 47,260 Goodwill recorded at merger $ 6,104

Debt Securities Available for_2

Debt Securities Available for Sale (Tables)	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Debt securities, available-for-sale	Debt securities available for sale at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value (In thousands) U.S. government and agency obligations $ 34,711 $ 404 $ (236) $ 34,879 Mortgage-backed securities and collateralized mortgage obligations 1,553,491 14,141 (13,273) 1,554,359 Municipal obligations 4,159 20 — 4,179 Corporate debt securities 109,018 2,378 (966) 110,430 $ 1,701,379 $ 16,943 $ (14,475) $ 1,703,847 December 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value (In thousands) U.S. government and agency obligations $ 24,425 $ 1,124 $ — $ 25,549 Mortgage-backed securities and collateralized mortgage obligations 1,163,613 37,343 (562) 1,200,394 Municipal obligations 16,845 17 — 16,862 Corporate debt securities 67,628 2,264 (415) 69,477 Trust preferred securities 5,000 — (330) 4,670 $ 1,277,511 $ 40,748 $ (1,307) $ 1,316,952
Investments classified by contractual maturity date	The amortized cost and fair value of debt securities available for sale at December 31, 2021, by contractual final maturity, is shown below. Expected maturities may differ from contractual maturities due to prepayment or early call options exercised by the issuer. December 31, 2021 Amortized Cost Fair Value (In thousands) One year or less $ 5,912 $ 5,998 More than one year to five years 80,419 82,493 More than five years to ten years 61,557 60,997 $ 147,888 $ 149,488 Mortgage-backed securities and collateralized mortgage obligations 1,553,491 1,554,359 $ 1,701,379 $ 1,703,847 December 31, 2021 Amortized Cost Fair Value (In thousands) More than one year to five years $ 14,875 $ 14,754 More than five years to ten years 19,995 19,539 More than ten years 10,000 9,818 44,870 44,111 Mortgage-backed securities and collateralized mortgage obligations 384,864 390,678 $ 429,734 $ 434,789
Debt securities, available-for-sale, unrealized loss position, fair value	The following tables summarize the fair value and gross unrealized losses of those securities that reported an unrealized loss at December 31, 2021 and 2020 and if the unrealized loss position was continuous for the twelve months prior to those respective dates: December 31, 2021 Less Than 12 Months 12 Months or Longer Total Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) (In thousands) U.S. government and agency obligations $ 14,488 $ (236) $ — $ — $ 14,488 $ (236) Mortgage-backed securities and collateralized mortgage obligations 820,746 (11,892) 62,407 (1,381) 883,153 (13,273) Corporate debt securities 29,221 (671) 4,705 (295) 33,926 (966) $ 864,455 $ (12,799) $ 67,112 $ (1,676) $ 931,567 $ (14,475) December 31, 2020 Less Than 12 Months 12 Months or Longer Total Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) (In thousands) Mortgage-backed securities and collateralized mortgage obligations $ 117,978 $ (481) $ 24,018 $ (81) $ 141,996 $ (562) Corporate debt securities 9,845 (155) 5,740 (260) 15,585 (415) Trust preferred securities — — 4,670 (330) 4,670 (330) $ 127,823 $ (636) $ 34,428 $ (671) $ 162,251 $ (1,307)

Debt Securities Held to Matur_2

Debt Securities Held to Maturity (Tables)	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Debt securities, held-to-maturity	Debt securities held to maturity at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value (In thousands) U.S. government and agency obligations $ 44,870 $ — $ (759) $ 44,111 Mortgage-backed securities and collateralized mortgage obligations 384,864 6,741 (927) 390,678 $ 429,734 $ 6,741 $ (1,686) $ 434,789 December 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value (In thousands) U.S. government and agency obligations $ 5,000 $ 1 $ — $ 5,001 Mortgage-backed securities and collateralized mortgage obligations 257,720 14,372 (2) 272,090 $ 262,720 $ 14,373 $ (2) $ 277,091
Investments classified by contractual maturity date	The amortized cost and fair value of debt securities available for sale at December 31, 2021, by contractual final maturity, is shown below. Expected maturities may differ from contractual maturities due to prepayment or early call options exercised by the issuer. December 31, 2021 Amortized Cost Fair Value (In thousands) One year or less $ 5,912 $ 5,998 More than one year to five years 80,419 82,493 More than five years to ten years 61,557 60,997 $ 147,888 $ 149,488 Mortgage-backed securities and collateralized mortgage obligations 1,553,491 1,554,359 $ 1,701,379 $ 1,703,847 December 31, 2021 Amortized Cost Fair Value (In thousands) More than one year to five years $ 14,875 $ 14,754 More than five years to ten years 19,995 19,539 More than ten years 10,000 9,818 44,870 44,111 Mortgage-backed securities and collateralized mortgage obligations 384,864 390,678 $ 429,734 $ 434,789
Schedule of unrealized loss on investments	The following tables summarize the fair value and gross unrealized losses of those securities that reported an unrealized loss at December 31, 2021 and 2020 and if the unrealized loss position was continuous for the twelve months prior to those respective dates: December 31, 2021 Less Than 12 Months 12 Months or Longer Total Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) (In thousands) U.S. government and agency obligations $ 44,111 $ (759) $ — $ — $ 44,111 $ (759) Mortgage-backed securities and collateralized mortgage obligations 79,036 (927) — — 79,036 (927) $ 123,147 $ (1,686) $ — $ — $ 123,147 $ (1,686) December 31, 2020 Less than 12 months 12 months or longer Total Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) Fair Value Gross Unrealized (Losses) (In thousands) Mortgage-backed securities and collateralized mortgage obligations $ 2,176 $ (2) $ — $ — $ 2,176 $ (2) $ 2,176 $ (2) $ — $ — $ 2,176 $ (2)

Loans Receivable and Allowanc_2

Loans Receivable and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Schedule of loans receivable	Loans receivable at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 2020 (In thousands) Real estate loans: One-to-four family $ 2,092,317 $ 1,940,327 Multifamily and commercial 3,211,344 2,817,965 Construction 295,047 328,711 Commercial business loans 452,232 752,870 Consumer loans: Home equity loans and advances 276,563 321,177 Other consumer loans 1,428 1,497 Total gross loans 6,328,931 6,162,547 Purchased credit-impaired loans 6,791 6,345 Net deferred loan costs, fees and purchased premiums and discounts 24,879 12,878 Loans receivable $ 6,360,601 $ 6,181,770
Schedule of aging of loans receivable by portfolio segment	The following tables summarize the aging of loans receivable by portfolio segment, including non-accrual loans and excluding PCI loans at December 31, 2021 and 2020: December 31, 2021 30-59 Days 60-89 Days 90 Days or More Total Past Due Non-accrual Current Total (In thousands) Real estate loans: One-to-four family $ 3,131 $ 1,976 $ 373 $ 5,480 $ 1,416 $ 2,086,837 $ 2,092,317 Multifamily and commercial 2,189 — 1,561 3,750 1,561 3,207,594 3,211,344 Construction — — — — — 295,047 295,047 Commercial business loans 412 — 203 615 761 451,617 452,232 Consumer loans: Home equity loans and advances 108 53 81 242 201 276,321 276,563 Other consumer loans — 4 — 4 — 1,424 1,428 Total loans $ 5,840 $ 2,033 $ 2,218 $ 10,091 $ 3,939 $ 6,318,840 $ 6,328,931 December 31, 2020 30-59 Days 60-89 Days 90 Days or More Total Past Due Non-accrual Current Total (In thousands) Real estate loans: One-to-four family $ 3,068 $ 912 $ 1,901 $ 5,881 $ 2,637 $ 1,934,446 $ 1,940,327 Multifamily and commercial 15,645 — 1,238 16,883 1,873 2,801,082 2,817,965 Construction 550 — — 550 — 328,161 328,711 Commercial business loans 2,343 1,056 2,453 5,852 2,968 747,018 752,870 Consumer loans: Home equity loans and advances 1,156 696 394 2,246 678 318,931 321,177 Other consumer loans 4 — — 4 — 1,493 1,497 Total loans $ 22,766 $ 2,664 $ 5,986 31,416 $ 8,156 $ 6,131,131 $ 6,162,547
Schedule of PCI loans acquired	The following table presents information regarding the estimates of the contractually required payments, the cash flows expected to be collected, and the estimated fair value of the PCI loans acquired in the Stewardship acquisition as of November 1, 2019 (See note 3 for more details): November 1, 2019 (In thousands) Contractually required principal and interest $ 9,286 Contractual cash flows not expected to be collected (non-accretable difference) (1,823) Expected cash flows to be collected 7,463 Interest component of expected cash flows (accretable yield) (556) Fair value of acquired loans $ 6,907 The following table presents information regarding the estimates of the contractually required payments, the cash flows expected to be collected, and the estimated fair value of the PCI loans acquired in the Roselle acquisition as of April 1, 2020 (See note 3 for more details): (7) Loans Receivable and Allowance for Loan Losses (continued) April 1, 2020 (In thousands) Contractually required principal and interest $ 461 Contractual cash flows not expected to be collected (non-accretable difference) (237) Expected cash flows to be collected 224 Interest component of expected cash flows (accretable yield) (51) Fair value of acquired loans $ 173 The following table presents information regarding the estimates of the contractually required payments, the cash flows expected to be collected, and the estimated fair value of the PCI loans acquired in the Freehold acquisition as of December 1, 2021 (See note 3 for more details): December 1, 2021 (In thousands) Contractually required principal and interest $ 5,149 Contractual cash flows not expected to be collected (non-accretable difference) — Expected cash flows to be collected 5,149 Interest component of expected cash flows (accretable yield) (1,452) Fair value of acquired loans $ 3,697 At December 31, 2021 and 2020, PCI loans acquired in the Stewardship acquisition totaled $2.7 million and $6.1 million, respectively. At both December 31, 2021 and 2020, PCI loans acquired in the Roselle acquisition totaled $184,000. and at December 31, 2021, PCI loans acquired in the Freehold acquisition totaled $3.9 million. The following table presents changes in accretable yield for PCI loans for the years ended December 31, 2021 and 2020: December 31, 2021 2020 (In thousands) Balance at beginning of period $ 418 $ 511 Acquisition 19 58 Accretion (20) (34) Net change in expected cash flows (70) (117) Balance at end of period $ 347 $ 418
Schedule of loans receivable by portfolio segment and impairment method	The following tables summarize loans receivable (including PCI loans) and allowance for loan losses by portfolio segment and impairment method at December 31, 2021 and 2020: December 31, 2021 One-to-Four Family Multifamily and Commercial Construction Commercial Business Home Equity Loans and Advances Other Consumer Loans Total (In thousands) Allowance for loan losses: Individually evaluated for impairment $ 258 $ 97 $ — $ 16 $ 7 $ — $ 378 Collectively evaluated for impairment 8,540 23,758 8,943 20,198 866 6 62,311 Loans acquired with deteriorated credit quality — — — — — — — Total $ 8,798 $ 23,855 $ 8,943 $ 20,214 $ 873 $ 6 $ 62,689 Total loans: Individually evaluated for impairment $ 5,184 $ 16,592 $ — $ 1,806 $ 705 $ — $ 24,287 Collectively evaluated for impairment 2,087,133 3,194,752 295,047 450,426 275,858 1,428 6,304,644 Loans acquired with deteriorated credit quality 431 5,426 — 934 — — 6,791 Total loans $ 2,092,748 $ 3,216,770 $ 295,047 $ 453,166 $ 276,563 $ 1,428 $ 6,335,722 (7) Loans Receivable and Allowance for Loan Losses (continued) December 31, 2020 One-to-Four Family Multifamily and Commercial Construction Commercial Business Home Equity Loans and Advances Other Consumer Loans Total (In thousands) Allowance for loan losses: Individually evaluated for impairment $ 391 $ 601 $ — $ 84 $ 12 $ — $ 1,088 Collectively evaluated for impairment 13,195 30,080 11,271 17,300 1,736 6 73,588 Loans acquired with deteriorated credit quality — — — — — — — Total $ 13,586 $ 30,681 $ 11,271 $ 17,384 $ 1,748 $ 6 $ 74,676 Total loans: Individually evaluated for impairment $ 7,257 $ 32,792 $ — $ 3,447 $ 1,651 $ — $ 45,147 Collectively evaluated for impairment 1,933,070 2,785,173 328,711 749,423 319,526 1,497 6,117,400 Loans acquired with deteriorated credit quality 309 4,893 — 1,143 — — 6,345 Total loans $ 1,940,636 $ 2,822,858 $ 328,711 $ 754,013 $ 321,177 $ 1,497 $ 6,168,892 The activity in the allowance for loan losses for the years ended December 31, 2021, 2020 and 2019, are as follows: Years Ended December 31, 2021 2020 2019 (In thousands) Balance at beginning of period $ 74,676 $ 61,709 $ 62,342 Provision (credited) charged (9,953) 18,447 4,224 Recoveries 1,530 823 496 Charge-offs (3,564) (6,303) (5,353) Balance at end of period $ 62,689 $ 74,676 $ 61,709 The activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2021, 2020 and 2019, are as follows: For the Year Ended December 31, 2021 One-to-Four Family Multifamily and Commercial Construction Commercial Business Home Equity Loans and Advances Other Consumer Loans Total (In thousands) Balance at beginning of period $ 13,586 $ 30,681 $ 11,271 $ 17,384 $ 1,748 $ 6 $ 74,676 Provision charged (credited) (4,037) (7,354) (2,330) 4,384 (623) 7 (9,953) Recoveries 22 1,231 2 219 56 — 1,530 Charge-offs (773) (703) — (1,773) (308) (7) (3,564) Balance at end of period $ 8,798 $ 23,855 $ 8,943 $ 20,214 $ 873 $ 6 $ 62,689 For the Year Ended December 31, 2020 One-to-Four Family Multifamily and Commercial Construction Commercial Business Home Equity Loans and Advances Other Consumer Loans Total (In thousands) Balance at beginning of period $ 13,780 $ 22,980 $ 7,435 $ 15,836 $ 1,669 $ 9 $ 61,709 Provision charged 1,299 7,713 3,835 5,360 239 1 18,447 Recoveries 438 16 1 308 60 — 823 Charge-offs (1,931) (28) — (4,120) (220) (4) (6,303) Balance at end of period $ 13,586 $ 30,681 $ 11,271 $ 17,384 $ 1,748 $ 6 $ 74,676 For the Year Ended December 31, 2019 One-to-Four Family Multifamily and Commercial Construction Commercial Business Home Equity Loans and Advances Other Consumer Loans Total (In thousands) Balance at beginning of period $ 15,232 $ 23,251 $ 7,217 $ 14,176 $ 2,458 $ 8 $ 62,342 Provision charged (credited) (429) (178) 216 5,250 (638) 3 4,224 Recoveries 30 10 2 404 50 — 496 Charge-offs (1,053) (103) — (3,994) (201) (2) (5,353) Balance at end of period $ 13,780 $ 22,980 $ 7,435 $ 15,836 $ 1,669 $ 9 $ 61,709
Schedule of troubled debt restructuring	The following tables present the number of loans modified as TDRs during the years ended December 31, 2021, 2020 and 2019, along with their balances immediately prior to the modification date and post-modification. Post-modification recorded investment represents the net book balance immediately following modification. For the Years Ended December 31, 2021 2020 No. of Loans Pre-modification Recorded Investment Post-modification Recorded Investment No. of Loans Pre-modification Recorded Investment Post-modification Recorded Investment (Dollars in thousands) Troubled Debt Restructurings Real estate loans: One-to-four family 2 $ 285 $ 388 — $ — $ — Multifamily and commercial 1 $ 192 $ 211 5 $ 17,022 $ 17,022 Commercial business loans — — — 2 11,507 12,802 Total restructured loans 3 $ 477 $ 599 7 $ 28,529 $ 29,824 For the Year Ended December 31, 2019 No. of Loans Pre-modification Recorded Investment Post-modification Recorded Investment (Dollars in thousands) Troubled Debt Restructurings Commercial business loans 1 $ 4,095 $ 4,095 Total restructured loans 1 $ 4,095 $ 4,095
Schedule of loans individually evaluated for impairment	The following tables present loans individually evaluated for impairment by loan segment, excluding PCI loans, at December 31, 2021 and 2020: At December 31, 2021 Recorded Investment Unpaid Principal Balance Specific Allowance (In thousands) With no allowance recorded: Real estate loans: One-to-four family $ 1,882 $ 2,421 $ — Multifamily and commercial 14,623 15,351 — Commercial business loans 573 573 — Consumer loans: Home equity loans and advances 202 308 — 17,280 18,653 — With a specific allowance recorded: Real estate loans: One-to-four family 3,302 3,321 258 Multifamily and commercial 1,969 1,971 97 Commercial business loans 1,233 1,233 16 Consumer loans: Home equity loans and advances 503 503 7 7,007 7,028 378 Total: Real estate loans: One-to-four family 5,184 5,742 258 Multifamily and commercial 16,592 17,322 97 Commercial business loans 1,806 1,806 16 Consumer loans: Home equity loans and advances 705 811 7 Total loans $ 24,287 $ 25,681 $ 378 At December 31, 2020 Recorded Investment Unpaid Principal Balance Specific Allowance (In thousands) With no allowance recorded: Real estate loans: One-to-four family $ 3,344 $ 3,898 $ — Multifamily and commercial 13,058 13,094 — Commercial business loans 1,945 1,945 — Consumer loans: Home equity loans and advances 714 851 — 19,061 19,788 — With a specific allowance recorded: Real estate loans: One-to-four family 3,913 3,919 391 Multifamily and commercial 19,734 20,350 601 Commercial business loans 1,502 1,502 84 Consumer loans: Home equity loans and advances 937 937 12 26,086 26,708 1,088 Total: Real estate loans: One-to-four family 7,257 7,817 391 Multifamily and commercial 32,792 33,444 601 Commercial business loans 3,447 3,447 84 Consumer loans: Home equity loans and advances 1,651 1,788 12 Total loans $ 45,147 $ 46,496 $ 1,088 The following table presents interest income recognized for loans individually evaluated for impairment, by loan segment, excluding PCI loans for the years ended December 31, 2021, 2020 and 2019: For the Years Ended December 31, 2021 2020 2019 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized (In thousands) Real estate loans: One-to-four family $ 5,738 $ 285 $ 7,946 $ 305 $ 8,811 $ 434 Multifamily and commercial 25,333 838 23,701 1,091 2,639 147 Construction — — — — 850 — Commercial business loans 2,121 139 4,963 216 6,378 479 Consumer loans: Home equity loans and advances 1,119 43 1,909 100 2,562 143 Totals $ 34,311 $ 1,305 $ 38,519 $ 1,712 $ 21,240 $ 1,203
Schedule of loans receivable by credit quality risk	The following tables present loans receivable by credit quality risk indicator and by loan segment, excluding PCI loans at December 31, 2021 and 2020: December 31, 2021 One-to-Four Family Multifamily and Commercial Construction Commercial Business Home Equity Loans and Advances Other Consumer Loans Total (In thousands) Pass $ 2,087,547 $ 3,130,414 $ 294,940 $ 434,930 $ 276,225 $ 1,428 $ 6,225,484 Special mention 202 54,046 107 6,713 — — 61,068 Substandard 4,568 26,884 — 10,589 338 — 42,379 Doubtful — — — — — — — Total $ 2,092,317 $ 3,211,344 $ 295,047 $ 452,232 $ 276,563 $ 1,428 $ 6,328,931 (7) Loans Receivable and Allowance for Loan Losses (continued) December 31, 2020 One-to-Four Family Multifamily and Commercial Construction Commercial Business Home Equity Loans and Advances Other Consumer Loans Total (In thousands) Pass $ 1,935,032 $ 2,758,905 $ 328,711 $ 740,010 $ 320,092 $ 1,497 $ 6,084,247 Special mention 404 40,392 — 6,718 — — 47,514 Substandard 4,891 18,668 — 6,142 1,085 — 30,786 Doubtful — — — — — — — Total $ 1,940,327 $ 2,817,965 $ 328,711 $ 752,870 $ 321,177 $ 1,497 $ 6,162,547

Office Properties and Equipme_2

Office Properties and Equipment, net (Tables)	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Schedule of Office Properties and Equipment	Office properties and equipment less accumulated depreciation at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 2020 (In thousands) Land $ 12,900 $ 10,174 Buildings 36,897 31,523 Land and building improvements 36,683 35,307 Leasehold improvements 22,636 22,166 Furniture and equipment 36,157 33,971 145,273 133,141 Less accumulated depreciation and amortization (66,565) (57,167) Total office properties and equipment, net $ 78,708 $ 75,974

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Lessee, Operating Lease, Liability, Maturity	The following table summarizes lease payment obligations for each of the next five years and thereafter as follows: Lease Payment Obligations at December 31, 2021 2020 (In thousands) One year or less $ 4,198 $ 4,010 After one year to two years 3,950 3,624 After two years to three years 3,150 3,310 After three years to four years 2,479 2,586 After four years to five years 2,177 1,914 Thereafter 5,340 6,620 Total undiscounted cash flows 21,294 22,064 Discount on cash flows (1,709) (1,992) Total lease liability $ 19,585 $ 20,072

Goodwill and Intangible Assets

Goodwill and Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Goodwill and Intangible Assets	Intangible assets at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 2020 (In thousands) Goodwill $ 85,324 $ 80,285 Core deposit intangibles 5,214 6,197 Mortgage servicing rights 1,155 902 $ 91,693 $ 87,384
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense	Scheduled amortization of core deposit intangibles for each of the next five years and thereafter is as follows: Year Ended December 31, Core Deposit Intangible Amortization (In thousands) 2022 $ 968 2023 899 2024 825 2025 743 2026 651 Thereafter 1,128 Total $ 5,214

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Schedule of Deposits	Deposits at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 2020 Balance Weighted Average Rate Balance Weighted Average Rate (Dollars in thousands) Non-interest-bearing demand $ 1,712,061 — % $ 1,354,605 — % Interest-bearing demand 2,599,987 0.25 2,189,164 0.40 Money market accounts 657,156 0.22 588,180 0.36 Savings and club deposits 822,833 0.06 688,309 0.16 Certificates of deposit 1,778,179 0.73 1,958,366 1.44 Total deposits $ 7,570,216 0.28 % $ 6,778,624 0.59 %
Schedule of Certificate Accounts by Maturity	Scheduled maturities of certificates of deposit accounts at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 2020 (In thousands) One year or less $ 1,087,631 $ 1,494,129 After one year to two years 418,515 337,579 After two years to three years 143,950 52,809 After three years to four years 36,277 23,018 After four years 91,806 50,831 $ 1,778,179 $ 1,958,366 Interest expense on deposits for the years ended December 31, 2021, 2020, and 2019 are summarized as follows: Years Ended December 31, 2021 2020 2019 (In thousands) Demand (including money market accounts) $ 10,077 $ 15,556 $ 19,922 Savings and club deposits 731 1,023 770 Certificates of deposit 18,301 38,667 40,859 $ 29,109 $ 55,246 $ 61,551

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Schedule of borrowed funds	Borrowings at December 31, 2021 and 2020 are summarized as follows: December 31, 2021 2020 2021 2020 Balance Weighted Average Interest Rate (In thousands) FHLB advances $ 340,495 $ 792,412 1.17 % 1.18 % Notes payable 29,841 — 3.35 — Junior subordinated debentures 6,973 6,952 3.07 3.20 $ 377,309 $ 799,364 1.38 % 1.20 %
Schedule of borrowed funds contractual maturity	Scheduled maturities of FHLB advances at December 31, 2021 are summarized as follows: Year Ended December 31, 2021 (In thousands) One year or less $ 228,725 After one year to two years 33,804 After two years to three years 38,602 After three years to four years 28,053 After four years 11,311 Total FHLB advances $ 340,495

Stockholders' Equity (Tables)

Stockholders' Equity (Tables)	12 Months Ended
	Dec. 31, 2021
Equity [Abstract]
Public Utilities General Disclosures	The following table presents the Company's and Columbia Bank's actual capital amounts and ratios at December 31, 2021 and 2020, and Freehold Bank's actual amounts and ratios at December 31, 2021 compared to the Federal Reserve Bank minimum capital adequacy requirements and the Federal Reserve Bank requirements for classification as a well-capitalized institution: (13) Stockholders' Equity (continued) Regulatory Capital (continued) Actual Minimum Capital Adequacy Requirements Minimum Capital Adequacy Requirements With Capital Conservation Buffer To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio Company (In thousands, except ratio data) At December 31, 2021: Total capital (to risk-weighted assets) $ 1,104,863 17.13 % $ 515,924 8.00 % $ 677,151 10.50 % N/A N/A Tier 1 capital (to risk-weighted assets) 1,041,650 16.15 386,943 6.00 548,170 8.50 N/A N/A Common equity tier 1 capital (to risk-weighted assets) 1,034,433 16.04 290,207 4.50 451,434 7.00 N/A N/A Tier 1 capital (to adjusted total assets) 1,041,650 11.23 370,909 4.00 370,909 4.00 N/A N/A At December 31, 2020: Total capital (to risk-weighted assets) $ 1,070,361 18.54 % $ 461,766 8.00 % $ 606,068 10.50 % N/A N/A Tier 1 capital (to risk-weighted assets) 998,172 17.29 346,325 6.00 490,627 8.50 N/A N/A Common equity tier 1 capital (to risk-weighted assets) 990,955 17.17 259,744 4.50 404,046 7.00 N/A N/A Tier 1 capital (to adjusted total assets) 998,172 11.38 350,923 4.00 350,923 4.00 N/A N/A Columbia Bank At December 31, 2021: Total capital (to risk-weighted assets) $ 962,137 15.39 % $ 500,127 8.00 % $ 656,417 10.50 % $ 625,159 10.00 % Tier 1 capital (to risk-weighted assets) 898,935 14.38 375,095 6.00 531,385 8.50 500,127 8.00 Common equity tier 1 capital (to risk-weighted assets) 898,935 14.38 281,322 4.50 437,611 7.00 406,353 6.50 Tier 1 capital (to adjusted total assets) 898,935 9.80 366,961 4.00 366,961 4.00 458,701 5.00 At December 31, 2020: Total capital (to risk-weighted assets) $ 924,959 16.05 % $ 460,944 8.00 % $ 604,989 10.50 % $ 576,180 10.00 % Tier 1 capital (to risk-weighted assets) 852,897 14.80 345,708 6.00 489,753 8.50 460,944 8.00 Common equity tier 1 capital (to risk-weighted assets) 852,897 14.80 259,281 4.50 403,326 7.00 374,517 6.50 Tier 1 capital (to adjusted total assets) 852,897 9.72 350,815 4.00 350,815 4.00 438,519 5.00 (13) Stockholders' Equity (continued) Regulatory Capital (continued) Actual Minimum Capital Adequacy Requirements Minimum Capital Adequacy Requirements With Capital Conservation Buffer To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio Freehold Bank (In thousands, except ratio data) At December 31, 2021: Total capital (to risk-weighted assets) 41,549 22.87 % $ 14,534 8.00 % 19,076 10.50 % 18,168 10.00 % Tier 1 capital (to risk-weighted assets) 41,537 22.86 10,901 6.00 % 15,443 8.50 14,534 8.00 Common equity tier 1 capital (to risk-weighted assets) 41,537 22.86 8,176 4.50 % 12,717 7.00 11,809 6.50 Tier 1 capital (to adjusted total assets) 41,537 13.71 12,118 4.00 % 12,118 4.00 15,147 5.00

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2021
Retirement Benefits [Abstract]
Changes in Projected Benefit Obligations, Fair Value of Plan Assets, and Funded Status of Plan	The following table sets forth information regarding the Pension, RIM, Post-retirement and Split-Dollar Life Insurance Plans at December 31, 2021 and 2020: (14) Employee Benefit Plans (continued) Pension Plan, Retirement Income Maintenance Plan (the "RIM Plan") Post-retirement Plan, Split-Dollar Life Insurance Plans (cont'd) December 31, 2021 2020 2021 2020 2021 2020 2021 2020 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance (In thousands) Change in benefit obligation: Benefit obligation at beginning of year $ 312,440 $ 263,826 $ 16,530 $ 13,696 $ 30,621 $ 24,603 $ 19,981 $ 14,100 Acquired — — — — — — — 1,981 Service cost 8,044 7,985 398 267 520 394 562 467 Interest cost 7,317 7,608 343 405 562 683 500 507 Actuarial (gain) loss (9,023) 40,281 (1,292) 2,506 (4,805) 5,506 (903) 3,137 Benefits paid (8,362) (7,260) (329) (344) (563) (565) — (211) Benefit obligation at end of year 310,416 312,440 15,650 16,530 26,335 30,621 20,140 19,981 Change in plan assets: Fair value of plan assets at beginning of year 411,907 356,347 — — — — — — Actuarial return on plan assets 53,587 50,820 — — — — — — Employer contributions 35,000 12,000 329 344 563 565 — 211 Benefits paid (8,362) (7,260) (329) (344) (563) (565) — (211) Fair value of plan assets at end of year 492,132 411,907 — — — — — — Funded status at end of year $ 181,716 $ 99,467 $ (15,650) $ (16,530) $ (26,335) $ (30,621) $ (20,140) $ (19,981)
Schedule of Net Benefit Costs	Net periodic benefit (income) cost for the Pension Plan, RIM Plan, Post-retirement Plan and Split-Dollar Life Insurance plan benefits for the years ended December 31, 2021 and 2020, and 2019, includes the following components: For the Year Ended December 31, 2021 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance Affected Line Item in the Consolidated Statements of Income (In thousands) Service cost $ 8,044 $ 398 $ 520 $ 562 Compensation and employee benefits Interest cost 7,317 343 562 500 Other non-interest expense Expected return on plan assets (26,833) — — — Other non-interest expense Amortization: Prior service cost — — — 56 Other non-interest expense Net loss 2,001 664 613 765 Other non-interest expense Net periodic (income) benefit cost $ (9,471) $ 1,405 $ 1,695 $ 1,883 For the Year Ended December 31, 2020 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance Affected Line Item in the Consolidated Statements of Income (In thousands) Service cost $ 7,985 $ 267 $ 394 $ 467 Compensation and employee benefits Interest cost 7,608 405 683 507 Other non-interest expense Expected return on plan assets (23,375) — — — Other non-interest expense Amortization: Prior service cost — — — 56 Other non-interest expense Net loss 4,902 397 309 454 Other non-interest expense Net periodic (income) benefit cost $ (2,880) $ 1,069 $ 1,386 $ 1,484 (14) Employee Benefit Plans (continued) Pension Plan, Retirement Income Maintenance Plan (the "RIM Plan") Post-retirement Plan, Split-Dollar Life Insurance Plans (cont'd) For the Year Ended December 31, 2019 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance Affected Line Item in the Consolidated Statements of Income (In thousands) Service cost $ 6,494 $ 210 $ 339 $ 354 Compensation and employee benefits Interest cost 8,569 466 826 457 Other non-interest expense Expected return on plan assets (21,058) — — — Other non-interest expense Amortization: Prior service cost — — — 56 Other non-interest expense Net loss 3,070 244 147 247 Other non-interest expense Net periodic (income) benefit cost $ (2,925) $ 920 $ 1,312 $ 1,114
Schedule of Amounts Recognized in Other Comprehensive Income (Loss)	The components of accumulated other comprehensive income related to the Pension Plan, RIM Plan, and Post-retirement Plan on a pre-tax basis, at December 31, 2021, 2020, and 2019, are summarized in the following table: At December 31, 2021 2020 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance (In thousands) Unrecognized prior service costs $ — $ — $ — $ 350 $ — $ — $ — $ 405 Unrecognized net actuarial income 38,909 5,730 6,999 7,071 76,686 7,686 12,417 8,741 Total accumulated other comprehensive income $ 38,909 $ 5,730 $ 6,999 $ 7,421 $ 76,686 $ 7,686 $ 12,417 $ 9,146 (14) Employee Benefit Plans (continued) Pension Plan, Retirement Income Maintenance Plan (the "RIM Plan") Post-retirement Plan, Split-Dollar Life Insurance Plans (cont'd) At December 31, 2019 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance (In thousands) Unrecognized prior service costs $ — $ — $ — $ 461 Unrecognized net actuarial income 68,752 5,777 7,221 6,058 Total accumulated other comprehensive income $ 68,752 $ 5,777 $ 7,221 $ 6,519 The weighted average actuarial assumptions used in the plan determinations at and for the years ended December 31, 2021, 2020, and 2019 were as follows: At and For the Years Ended December 31, 2021 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance Weighted average assumptions used to determine benefit obligation: Discount rate 3.140 % 2.970 % 2.900 % 3.220 % Rate of compensation increase 3.750 3.750 N/A 3.750 Weighted average assumptions used to determine net periodic benefit cost: Discount Rates: Benefit obligation 2.920 % 2.670 % 2.590 % 3.010 % Remeasurement rate 3.200 N/A N/A N/A Service cost 3.210 2.930 2.960 3.260 Remeasurement rate 3.460 N/A N/A N/A Interest cost 2.280 2.100 1.880 2.530 Remeasurement rate 2.550 N/A N/A N/A Expected rate of return on plan assets 6.200 N/A N/A N/A Rate of compensation increase 3.750 3.750 N/A 3.750 (14) Employee Benefit Plans (continued) Pension Plan, Retirement Income Maintenance Plan (the "RIM Plan") Post-retirement Plan, Split-Dollar Life Insurance Plans (cont'd) At and For the Years Ended December 31, 2020 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance Weighted average assumptions used to determine benefit obligation: Discount rate 2.920 % 2.670 % 2.590 % 3.010 % Rate of compensation increase 3.750 3.750 N/A 3.750 Weighted average assumptions used to determine net periodic benefit cost: Discount Rates: Benefit obligation 3.490 % 3.330 % 3.270 % 3.540 % Remeasurement rate 2.740 N/A N/A N/A Service cost 3.660 3.460 3.520 3.710 Remeasurement rate 2.970 N/A N/A N/A Interest cost 3.120 3.000 2.850 3.280 Remeasurement rate 2.220 N/A N/A N/A Expected rate of return on plan assets 6.500 N/A N/A N/A Rate of compensation increase 3.500 3.500 N/A 3.500 At and For the Years Ended December 31, 2019 Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance Weighted average assumptions used to determine benefit obligation: Discount rate 3.490 % 3.330 % 3.270 % 3.540 % Rate of compensation increase 3.500 3.500 N/A 3.500 Weighted average assumptions used to determine net periodic benefit cost: Discount Rates: Benefit obligation 4.570 % 4.470 % 4.410 % 4.630 % Remeasurement rate 3.850 N/A N/A N/A Service cost 4.700 4.570 4.600 4.740 Remeasurement rate 4.040 N/A N/A N/A Interest cost 4.250 4.180 4.050 4.390 Remeasurement rate 3.440 N/A N/A N/A Expected rate of return on plan assets 7.000 N/A N/A N/A Rate of compensation increase 3.500 3.500 N/A 3.500
Schedule of Expected Benefit Payments	Estimated future benefit payments, which reflect expected future service, as appropriate for the next five years and thereafter are as follows: For the Year Ended December 31, Pension Plan RIM Plan Post-retirement Plan Split-Dollar Life Insurance (In thousands) 2022 $ 9,026 $ 399 $ 1,354 $ 313 2023 10,502 496 1,379 365 2024 11,224 634 1,442 413 2025 11,855 736 1,503 458 2026 12,497 780 1,554 512 2027 - 2031 71,132 4,267 7,840 2,695
Schedule of Allocation of Plan Assets	The weighted average asset allocation of pension assets at December 31, 2021 and 2020 were as follows: December 31, 2021 2020 Domestic equities 44.2 % 44.1 % Foreign equities 12.2 13.4 Fixed income 40.7 37.8 Real estate 2.4 4.4 Cash 0.5 0.3 Total 100.0 % 100.0 % Allowable Range Equities 40-60% Fixed income 40-60% Real estate 0-10% Cash 0-15% The following tables present the assets that are measured at fair value on a recurring basis by level within the U.S. GAAP fair value hierarchy as reported on the Statements of Net Assets Available for Plan Benefits at December 31, 2021 and 2020, respectively. A financial instrument's level within the fair value hierarchy's is based on the lowest level of input that is significant to the fair value measurement. December 31, 2021 Fair Value Measurements Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (In thousands) Money market mutual funds $ 2,537 $ 2,537 $ — $ — Mutual funds - value stock fund 36,477 36,477 — — Mutual funds - fixed income 200,349 200,349 — — Mutual funds - international stock 60,042 60,042 — — Mutual funds - institutional stock index 181,013 181,013 — — Commingled real estate funds 11,714 — 11,714 — $ 492,132 $ 480,418 $ 11,714 $ — (14) Employee Benefit Plans (continued) Pension Plan, Retirement Income Maintenance Plan (the "RIM Plan") Post-retirement Plan, Split-Dollar Life Insurance Plans (cont'd) December 31, 2020 Fair Value Measurements Fair value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (In thousands) Money market mutual funds $ 1,434 $ 1,434 $ — $ — Mutual funds - value stock fund 29,914 29,914 — — Mutual funds - fixed income 155,864 155,864 — — Mutual funds - international stock 55,300 55,300 — — Mutual funds - institutional stock index 151,436 151,436 — — Commingled real estate funds 17,959 — 17,959 — $ 411,907 $ 393,948 $ 17,959 $ —
Employee Stock Ownership Plan (ESOP) Disclosures	The ESOP shares were as follows: At December 31, 2021 2020 (In thousands) Allocated shares 802 606 Unearned shares 3,702 3,929 Total ESOP shares 4,504 4,535 Fair value of unearned ESOP shares $ 77,226 $ 61,139
Nonvested Restricted Stock Shares Activity	The following is a summary of the Company's restricted stock activity during the years ended December 31, 2021 and 2020: Number of Restricted Shares Weighted Average Grant Date Fair Value Non-vested at January 1, 2020 1,420,012 $ 15.67 Grants 33,160 15.08 Vested (172,756) 15.66 Forfeited (17,247) 16.02 Non-vested at December 31, 2020 1,263,169 $ 15.66 Grants 50,203 17.86 Vested (193,528) 15.58 Forfeited (65,509) 15.62 Non-vested at December 31, 2021 1,054,335 $ 15.78
Share-based Payment Arrangement, Option, Activity	The following is a summary of the Company's option activity during the years ended December 31, 2021 and 2020: Number of Stock Options Weighted Average Exercise Price Weighted Average Remaining Contractual Term (in years) Aggregate Intrinsic Value Outstanding January 1, 2020 3,784,044 $ 15.67 9.6 $ 4,812,490 Expired (10,457) 15.98 — — Forfeited (64,959) 15.84 — — Outstanding, December 31, 2020 3,708,628 $ 15.66 8.6 $ — Granted 109,654 17.86 — — Exercised (28,522) 15.60 — — Expired (20,894) 15.60 — — Forfeited (131,324) 15.66 — — Outstanding, December 31, 2021 3,637,542 $ 15.78 7.6 $ 18,654,905 Options exercisable at December 31, 2021 1,427,311 $ 15.67 7.5 $ 7,412,277

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense (Benefit)	The current and deferred amounts of income tax expense for the years ended December 31, 2021, 2020, and 2019 are as follows: Years Ended December 31, 2021 2020 2019 (In thousands) Current: Federal $ 12,443 $ 5,072 $ 5,933 State 3,980 3,844 2,905 Total current 16,423 8,916 8,838 Deferred: Federal 12,594 9,847 8,275 State 5,115 (109) (748) Total deferred 17,709 9,738 7,527 Total income tax expense $ 34,132 $ 18,654 $ 16,365
Schedule of Effective Income Tax Rate Reconciliation	A reconciliation between the amount of reported total income tax expense and the amount computed by multiplying the applicable statutory federal income tax rate of 21% is as follows: Years Ended December 31, 2021 2020 2019 (In thousands) Tax expense at applicable statutory rate $ 26,498 $ 16,013 $ 14,927 Increase (decrease) in taxes resulting from: State tax, net of federal income tax benefit 7,185 2,951 1,704 ESOP fair market value adjustment 375 187 272 Tax exempt interest income (15) (11) (6) Income from Bank-owned life insurance (863) (1,075) (1,246) Dividend received deduction (14) (9) (8) Non-deductible merger-related expenses 53 42 222 Non-deductible compensation expense — — 398 Other, net 913 556 102 Total income tax expense $ 34,132 $ 18,654 $ 16,365
Schedule of Deferred Tax Assets and Liabilities	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020 are as follows: At December 31, 2021 2020 (In thousands) Deferred tax assets: Allowance for loan losses $ 17,486 $ 20,878 Post-retirement benefits 5,974 5,544 Deferred compensation 3,519 2,779 Retirement Income Maintenance plan 2,767 2,471 ESOP 810 624 Stock-based compensation 2,288 1,699 Reserve for uncollected interest 28 126 Net unrealized losses on debt securities and defined benefit plans 17,809 18,511 Federal and State NOLs 9,667 9,719 Alternative minimum assessment carryforwards 2,156 2,156 Charitable contribution carryforward 4,529 6,359 Purchase accounting 1,551 1,024 Lease liability 5,462 5,609 Other items 4,077 3,215 Gross deferred tax assets 78,123 80,714 Valuation allowance (1,965) (2,002) 76,158 78,712 Deferred tax liabilities: Pension expense 61,530 49,225 Depreciation 6,655 6,118 Deferred loan costs 10,630 8,555 Intangible assets 1,594 1,597 Lease right-of-use asset 5,191 5,317 Other items 307 716 Total gross deferred tax liabilities 85,907 71,528 Net deferred tax (liability) asset $ (9,749) $ 7,184

Financial Transactions with O_2

Financial Transactions with Off-Balance-Sheet risk and Concentrations of Credit risk (Tables)	12 Months Ended
	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Schedules of Concentration of Risk, by Risk Factor	At December 31, 2021 and 2020, the following commitments existed which are not reflected in the Consolidated Statements of Financial Condition: December 31, 2021 2020 (In thousands) Loan commitments: Residential real estate $ 115,998 $ 149,847 Multifamily and commercial real estate 73,948 98,910 Commercial business 27,773 16,842 Construction 58,069 13,335 Consumer including home equity loans and advances 9,154 3,264 Total loan commitments $ 284,942 $ 282,198

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis	The following tables present the assets and liabilities reported on the Consolidated Statements of Financial Condition at their fair values as of December 31, 2021 and 2020, by level within the fair value hierarchy: December 31, 2021 Fair Value Measurements Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (In thousands) Debt securities available for sale: U.S. government and agency obligations $ 34,879 $ 34,879 $ — $ — Mortgage-backed securities and collateralized mortgage obligations 1,554,359 — 1,554,359 — Municipal obligations 4,179 — 4,179 — Corporate debt securities 110,430 — 110,430 — Total debt securities available for sale 1,703,847 34,879 1,668,968 — Equity securities 2,710 2,364 346 — Derivative assets 9,492 — 9,492 — $ 1,716,049 $ 37,243 1,678,806 $ — Derivative liabilities $ 17,366 $ — $ 17,366 $ — (17) Fair Value Measurements (continued) December 31, 2020 Fair Value Measurements Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (In thousands) Debt securities available for sale: U.S. government and agency obligations $ 25,549 $ 25,549 $ — $ — Mortgage-backed securities and collateralized mortgage obligations 1,200,394 — 1,200,394 — Municipal obligations 16,862 — 16,862 — Corporate debt securities 69,477 — 69,477 — Trust preferred securities 4,670 — 4,670 — Total debt securities available for sale 1,316,952 25,549 1,291,403 — Equity securities 5,418 5,072 346 — Derivative assets 19,425 — 19,425 — $ 1,341,795 $ 30,621 $ 1,311,174 $ — Derivative liabilities $ 42,384 $ — $ 42,384 $ —
Fair Value Measurements, Nonrecurring	The following tables present the assets and liabilities reported on the Consolidated Statements of Financial Condition at their fair values on a non-recurring basis at December 31, 2021 and 2020, by level within the fair value hierarchy: December 31, 2021 Fair Value Measurements Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (In thousands) Impaired loans $ 1,213 $ — $ — $ 1,213 Mortgage servicing rights 1,906 — — 1,906 $ 3,119 $ — $ — $ 3,119 December 31, 2020 Fair Value Measurements Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (In thousands) Mortgage servicing rights $ 1,338 $ — $ — $ 1,338 $ 1,338 $ — $ — $ 1,338
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis, Valuation Techniques	The following table presents information for Level 3 assets measured at fair value on a non-recurring basis at December 31, 2021 and 2020: December 31, 2021 Fair Value Valuation Methodology Unobservable Inputs Range of Inputs Weighted Average (Dollars in thousands) Impaired loans $ 1,213 Other Contracted sale price of collateral — % — % Mortgage servicing rights 1,906 Discounted cash flow Prepayment speeds and discount rates (1) 7.5% - 24.9% 12.7 % December 31, 2020 Fair Value Valuation Methodology Unobservable Inputs Range of Inputs Weighted Average (Dollars in thousands) Mortgage servicing rights $ 1,338 Discounted cash flow Prepayment speeds and discount rates (1) 9.7% - 26.2% 16.7 % (1) Value of SBA servicing rights based on a discount rate of 10.25%.
Fair Value, by Balance Sheet Grouping	The following tables present the assets and liabilities reported on the Consolidated Statements of Financial Condition at their fair values as of December 31, 2021 and 2020: December 31, 2021 Fair Value Measurements Carrying Value Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (In thousands) Financial assets: Cash and cash equivalents $ 70,963 $ 70,963 $ 70,963 $ — $ — Debt securities available for sale 1,703,847 1,703,847 34,879 1,668,968 — Debt securities held to maturity 429,734 434,789 — 434,789 — Equity securities 2,710 2,710 2,364 346 Federal Home Loan Bank stock 23,141 23,141 — 23,141 — Loans receivable, net 6,297,912 6,457,766 — — 6,457,766 Derivative assets 9,492 9,492 — 9,492 — Financial liabilities: Deposits $ 7,570,216 $ 7,564,210 $ — $ 7,564,210 $ — Borrowings 377,309 378,810 — 378,810 — Derivative liabilities 17,366 17,366 — 17,366 — (17) Fair Value Measurements (continued) December 31, 2020 Fair Value Measurements Carrying Value Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (In thousands) Financial assets: Cash and cash equivalents $ 422,957 $ 422,957 $ 422,957 $ — $ — Debt securities available for sale 1,316,952 1,316,952 25,549 1,291,403 — Debt securities held to maturity 262,720 277,091 5,001 272,090 — Equity securities 5,418 2,855 5,072 268 — Federal Home Loan Bank stock 43,759 43,759 — 43,759 — Loans receivable, net 6,107,094 6,394,524 — — 6,394,524 Derivative assets 19,425 19,425 — 19,425 — Financial liabilities: Deposits $ 6,778,624 $ 6,793,034 $ — $ 6,793,034 $ — Borrowings 799,364 808,853 — 808,853 — Derivative liabilities 42,384 42,384 — 42,384 —

Earnings per Share (Tables)

Earnings per Share (Tables)	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	The following is a reconciliation of the numerators and denominators of the basic and diluted earnings per share calculations for the years ended December 31, 2021, 2020,and 2019: December 31, 2021 2020 2019 (In thousands, except share and per share data) Net income $ 92,049 $ 57,603 $ 54,717 Shares: Weighted average shares outstanding - basic 104,156,112 109,755,924 111,101,246 Weighted average dilutive shares outstanding — — — Weighted average shares outstanding - diluted 104,156,112 109,755,924 111,101,246 Earnings per share: Basic $ 0.88 $ 0.52 $ 0.49 Diluted $ 0.88 $ 0.52 $ 0.49

Parent-only Financial Informa_2

Parent-only Financial Information (Tables)	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Condensed Balance Sheet	The condensed financial statements of Columbia Financial, Inc. (parent company) are presented below: Statements of Financial Condition December 31, 2021 2020 (In thousands) Assets Cash and due from banks $ 77,077 $ 94,053 Short-term investments 261 170 Total cash and cash equivalents 77,338 94,223 Equity securities, at fair value 216 1,167 Investment in subsidiaries 981,922 873,629 Loan receivable from Columbia Bank 39,862 41,461 Other assets 15,608 9,803 Total assets $ 1,114,946 $ 1,020,283 Liabilities and Stockholders' Equity Liabilities: Borrowings $ 36,815 $ 6,953 Accrued expenses and other liabilities 2,301 2,043 Total liabilities 39,116 8,996 Stockholders' equity 1,075,830 1,011,287 Total liabilities and stockholders' equity $ 1,114,946 $ 1,020,283
Condensed Statement of Income and Comprehensive Income	Statements of Income and Comprehensive Income Years Ended December 31, 2021 2020 2019 (In thousands) Dividends from subsidiary $ 65,000 $ 50,000 $ 179,000 Interest income: Loans receivable 1,969 2,047 2,111 Debt securities available for sale and equity securities 43 51 51 Interest-earning deposits — 1 173 Total interest income 67,012 52,099 181,335 Interest expense on borrowings 427 863 176 Net interest income 66,585 51,236 181,159 Equity earnings (loss) in subsidiaries 27,652 8,027 (123,142) Non-interest income: Gain on securities transactions 383 2 236 Change in fair value of equity securities (35) (115) 65 Other non-interest income — — 139 Total non-interest income (loss) 348 (113) 440 Non-interest expense: Merger-related expenses 546 280 1,807 Other non-interest expense 2,203 1,377 1,955 Total non-interest expense 2,749 1,657 3,762 Income before income tax (benefit) 91,836 57,493 54,695 Income tax (benefit) (213) 110 22 Net income 92,049 57,603 54,717 Other comprehensive income (loss) 23,706 (890) 3,710 Comprehensive income $ 115,755 $ 56,713 $ 58,427
Condensed Cash Flow Statement	Statements of Cash Flows Years Ended December 31, 2021 2020 2019 (In thousands) Cash flows from operating activities: Net income $ 92,049 $ 57,603 $ 54,717 Adjustments to reconcile net income to net cash provided by operating activities: Amortization of intangible assets 21 (278) (71) Gain on securities transactions (383) (2) (236) Change in fair value of equity securities 35 115 (65) Deferred tax expense 1,830 1,411 1,453 ( Increase) in other assets (7,721) (2,675) (2,026) Increase (decrease) in accrued expenses and other liabilities 691 (647) 3,515 Equity in undistributed (earnings) loss of subsidiaries (27,652) (8,027) 123,142 Net cash provided by operating activities $ 58,870 $ 47,500 $ 180,429 Cash flows from investing activities: Proceeds from sales of equity securities 1,390 — 1,065 Proceeds from paydowns/maturities/calls of debt securities available for sale — 1,498 500 Purchases of equity securities (91) — (416) Repayment of loan receivable from Columbia Bank 1,599 1,521 1,457 Net cash paid in acquisition — — (135,410) Net cash provided by (used in) investing activities $ 2,898 $ 3,019 $ (132,804) Cash flows from financing activities: Payments of subordinated debt and trust preferred securities $ — $ (16,600) $ — Net proceeds from note payable 29,841 — — Purchase of treasury stock (107,774) (108,166) (55,309) Exercise of options (25) — — Issuance of common stock allocated to restricted stock award grants — — 21,687 Restricted stock forfeitures (1,234) (199) (736) Repurchase of shares for taxes (357) (181) — Issuance of treasury stock allocated to restricted stock award grants 896 481 1,269 Net cash (used in) financing activities $ (78,653) $ (124,665) $ (33,089) (19) Parent-only Financial Information (continued) Statements of Cash Flows Years Ended December 31, 2021 2020 2019 (In thousands) Net (decrease) increase in cash and cash equivalents $ (16,885) $ (74,146) $ 14,536 Cash and cash equivalents at beginning of year 94,223 168,369 153,833 Cash and cash equivalents at end of period $ 77,338 $ 94,223 $ 168,369 Acquisition: Non-cash assets acquired: Debt securities available for sale $ — $ — $ 1,998 Equity securities — — 208 Other assets — — 1,492 Total non-cash assets acquired $ — $ — $ 3,698 Liabilities assumed: Borrowings $ — $ — $ 23,901 Total liabilities assumed $ — $ — $ 23,901 Net non-cash liabilities acquired $ — $ — $ (20,203) Net cash and cash equivalents acquired in acquisitions $ — $ — $ 884

Other Comprehensive Income (L_2

Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2021
Equity [Abstract]
Schedule of Other Comprehensive Income (Loss)	The following tables present the components of other comprehensive income (loss), both gross and net of tax, for the years ended December 31, 2021, 2020, and 2019: For the Years Ended December 31, 2021 2020 Before Tax Tax Effect After Tax Before Tax Tax Effect After Tax (In thousands) Components of other comprehensive income (loss): Unrealized (loss) gain on debt securities available for sale: $ (39,000) $ 8,021 $ (30,979) $ 26,876 $ (5,640) $ 21,236 Accretion of unrealized gain on debt securities reclassified as held to maturity (28) 25 (3) 160 (34) 126 Reclassification adjustment for gain included in net income 2,025 (427) 1,598 370 (81) 289 (37,003) 7,619 (29,384) 27,406 (5,755) 21,651 Derivatives: Unrealized gain (loss) on swap contracts accounted for as cash flow hedges 14,514 (2,575) 11,939 (10,605) 2,223 (8,382) Employee benefit plans: Amortization of prior service cost included in net income (55) 16 (39) (56) 12 (44) Reclassification adjustment of actuarial net (loss) included in net income (4,044) 1,129 (2,915) (4,284) 900 (3,384) Change in funded status of retirement obligations 50,999 (6,894) 44,105 (13,583) 2,852 (10,731) 46,900 (5,749) 41,151 (17,923) 3,764 (14,159) Total other comprehensive income (loss) $ 24,411 $ (705) $ 23,706 $ (1,122) $ 232 $ (890) (20) Other Comprehensive Income (Loss) (continued) For the Year Ended December 31, 2019 Before Tax Tax Effect After Tax (In thousands) Components of other comprehensive income (loss): Unrealized gain on debt securities available for sale: $ 26,601 $ (5,534) $ 21,067 Accretion of unrealized gain on debt securities reclassified as held to maturity 11 (2) 9 Reclassification adjustment for gain included in net income 2,612 (601) 2,011 29,224 (6,137) 23,087 Derivatives: Unrealized (loss) on swap contracts accounted for as cash flow hedges (8,193) 1,725 (6,468) Employee benefit plans: Amortization of prior service cost included in net income (56) 12 (44) Reclassification adjustment of actuarial net (loss) included in net income (3,709) 779 (2,930) Change in funded status of retirement obligations (12,576) 2,641 (9,935) (16,341) 3,432 (12,909) Total other comprehensive income $ 4,690 $ (980) $ 3,710
Components of Other Comprehensive Income (Loss)	The following tables present the changes in the components of accumulated other comprehensive income (loss), net of tax, for the years ended December 31, 2021, 2020, and 2019: For the Years Ended December 31, 2021 2020 Unrealized Gains on Debt Securities Available for Sale Unrealized (Losses) on Swaps Employee Benefit Plans Accumulated Other Comprehensive (Loss) Unrealized Gains on Debt Securities Available for Sale Unrealized (Losses) on Swaps Employee Benefit Plans Accumulated Other Comprehensive (Loss) (In thousands) Balance at beginning of period $ 31,028 $ (16,856) $ (83,797) $ (69,625) $ 9,377 $ (8,474) $ (69,638) $ (68,735) Current period changes in other comprehensive income (loss) (29,384) 11,939 41,151 23,706 21,651 (8,382) (14,159) (890) Total other comprehensive income (loss) $ 1,644 $ (4,917) $ (42,646) $ (45,919) $ 31,028 $ (16,856) $ (83,797) $ (69,625) For the Year Ended December 31, 2019 Unrealized (Losses) Gains on Debt Securities Available for Sale Unrealized (Losses) on Swaps Employee Benefit Plans Accumulated Other Comprehensive (Loss) (In thousands) Balance at beginning of period $ (13,162) $ (2,006) $ (56,729) $ (71,897) Effect of the adoption of ASU 2016-01 (548) — — (548) Balance at January 1, $ (13,710) $ (2,006) $ (56,729) $ (72,445) Current period changes in other comprehensive income (loss) 23,087 (6,468) (12,909) 3,710 Total other comprehensive (loss) $ 9,377 $ (8,474) $ (69,638) $ (68,735)
Reclassification out of AOCI	The following tables reflect amounts reclassified from accumulated other comprehensive income (loss) in the Consolidated Statements of Income and the affected line item in the statement where net income is presented for the years ended December 31, 2021, 2020, and 2019: Accumulated Other Comprehensive Income (Loss) Components For the Years Ended December 31, Affected Line Items in the Consolidated Statements of Income 2021 2020 2019 (In thousands) Reclassification adjustment for gain included in net income $ 2,025 $ 370 $ 2,612 Gain on securities transactions Reclassification adjustment of actuarial net (loss) included in net income (4,044) (4,284) (3,709) Other non-interest expense Total before tax (2,019) (3,914) (1,097) Income tax benefit 702 819 178 Net of tax $ (1,317) $ (3,095) $ (919)

Derivatives and Hedging Activ_2

Derivatives and Hedging Activities (Tables)	12 Months Ended
	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of derivative financial instruments on the Consolidated Balance Sheets	The tables below present the fair value of the Company’s derivative financial instruments as well as their classification in the Consolidated Statements of Financial Condition at December 31, 2021 and 2020: December 31, 2021 Asset Derivative Liability Derivative Consolidated Statements of Financial Condition Fair Value Consolidated Statements of Financial Condition Fair Value (In thousands) Derivatives: Interest rate swaps Other Assets $ 9,492 Other Liabilities $ 17,366 Total derivative instruments $ 9,492 $ 17,366 December 31, 2020 Asset Derivative Liability Derivative Consolidated Statements of Financial Condition Fair Value Consolidated Statements of Financial Condition Fair Value (In thousands) Derivatives: Interest rate swaps Other Assets $ 19,425 Other Liabilities $ 42,384 Total derivative instruments $ 19,425 $ 42,384

Revenue Recognition (Tables)

Revenue Recognition (Tables)	12 Months Ended
	Dec. 31, 2021
Revenue from Contract with Customer [Abstract]
Disaggregation of Revenue	The following table presents non-interest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the years ended December 31, 2021, 2020, and 2019. For the Years Ended December 31, 2021 2020 2019 (In thousands) Non-interest income In-scope of Topic 606: Demand deposit account fees $ 3,803 $ 3,633 $ 4,478 Title insurance fees 6,088 5,034 4,981 Other non-interest income 7,600 6,472 4,844 Total in-scope non-interest income 17,491 15,139 14,303 Total out-of-scope non-interest income 21,340 16,131 17,333 Total non-interest income $ 38,831 $ 31,270 $ 31,636

Business (Details)

Business (Details) - USD ($) $ / shares in Units, $ in Thousands	Dec. 01, 2021	Apr. 01, 2020	Nov. 01, 2019
Stewardship Financial Corporation
Subsidiary, Sale of Stock [Line Items]
Business acquisition, share price (in dollars per share)			$ 15.75
Cash paid for purchase			$ 136,294
Roselle Entities
Subsidiary, Sale of Stock [Line Items]
Business, acquisition, equity interest issued or issuable (in shares)		4,759,048
Freehold Entities
Subsidiary, Sale of Stock [Line Items]
Business, acquisition, equity interest issued or issuable (in shares)	2,591,007

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Details) - USD ($)	1 Months Ended	12 Months Ended
	Apr. 30, 2018	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Nov. 30, 2019	Dec. 31, 2018
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Assets		$ 9,224,097,000	$ 8,798,536,000
Loan threshold for individual evaluation for impairment		$ 500,000
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]		Other assets
Operating Lease, Liability, Statement of Financial Position [Extensible List]		Other Liabilities	Other Liabilities
Unrecognized tax benefits		$ 0	$ 0
Income tax penalties and interest expense		0	0	$ 0
Equity securities, at fair value		2,710,000	5,418,000
Stockholders' equity		1,079,081,000	1,011,287,000	982,517,000		$ 972,060,000
Variable Interest Entity, Not Primary Beneficiary
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Assets					$ 7,000,000
Cumulative Effect, Period of Adoption, Adjustment
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Stockholders' equity						0
Retained Earnings
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Stockholders' equity		$ 765,133,000	673,084,000	$ 615,481,000		560,216,000
Retained Earnings | Cumulative Effect, Period of Adoption, Adjustment
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Stockholders' equity						548,000
Buildings
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Property, plant and equipment, useful life		40 years
Minimum
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Defined contribution plan, employer matching contribution, percent of match		3.00%
Minimum | Land and building improvements
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Property, plant and equipment, useful life		10 years
Minimum | Furniture and equipment
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Property, plant and equipment, useful life		3 years
Maximum
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Defined contribution plan, employer matching contribution, percent of match		4.50%
Maximum | Land and building improvements
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Property, plant and equipment, useful life		20 years
Maximum | Furniture and equipment
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Property, plant and equipment, useful life		10 years
Accounting Standards Update 2016-01 | Cumulative Effect, Period of Adoption, Adjustment
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Equity securities, at fair value						1,900,000
Accounting Standards Update 2016-01 | Retained Earnings | Cumulative Effect, Period of Adoption, Adjustment
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Stockholders' equity						$ 548,000
Stewardship Statutory Trust I
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Ownership percentage by parent					100.00%
Columbia Bank Employee Stock Ownership Plan
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Loan term	20 years	20 years
Stewardship Property
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Assets held-for-sale, long-lived, fair value disclosure			$ 1,900,000

Acquisitions - Narrative (Detai

Acquisitions - Narrative (Details)	Dec. 01, 2021USD ($)shares	Apr. 01, 2020USD ($)shares	Nov. 01, 2019USD ($)branch$ / shares	Mar. 31, 2021USD ($)	Dec. 31, 2020USD ($)branch	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)branch	Dec. 31, 2019USD ($)
Business Acquisition [Line Items]
Assets					$ 8,798,536,000	$ 9,224,097,000	$ 8,798,536,000
Liabilities					7,787,249,000	8,145,016,000	7,787,249,000
Deposits					6,778,624,000	7,570,216,000	6,778,624,000
Balance					799,364,000	377,309,000	799,364,000
Merger-related expenses						822,000	1,931,000	$ 2,755,000
Goodwill					$ 80,285,000	85,324,000	$ 80,285,000
Facility Closing
Business Acquisition [Line Items]
Number of branches closed | branch					4		4
Gain (loss) on restructuring						301,000	$ 770,000
Stewardship Financial Corporation
Business Acquisition [Line Items]
Business acquisition, share price (in dollars per share) | $ / shares			$ 15.75
Cash paid for purchase			$ 136,294,000
Merger-related expenses						277,000	1,300,000	2,800,000
Goodwill			55,047,000
Roselle Entities
Business Acquisition [Line Items]
Merger-related expenses						0	597,000	0
Goodwill		$ 23,809,000				17,600,000
Business, acquisition, equity interest issued or issuable (in shares) | shares		4,759,048
Business combination, provisional information, initial accounting incomplete, adjustment, deferred tax assets					$ 5,100,000
Goodwill, decrease from subsequent recognition of deferred tax asset				$ 1,100,000
Freehold Entities
Business Acquisition [Line Items]
Merger-related expenses						350,000	0	0
Goodwill	$ 6,104,000
Business, acquisition, equity interest issued or issuable (in shares) | shares	2,591,007
RSI Entites
Business Acquisition [Line Items]
Merger-related expenses						$ 196,000	$ 0	$ 0
Stewardship Financial Corporation
Business Acquisition [Line Items]
Assets			956,000,000
Loans receivable, net			756,900,000
Securities			52,600,000
Liabilities			877,800,000
Deposits			781,400,000
Balance			$ 81,800,000
Number of stores | branch			12
Core deposit intangibles | Stewardship Financial Corporation
Business Acquisition [Line Items]
Core deposit intangible			$ 7,500,000

Acquisitions - Assets Acquired

Acquisitions - Assets Acquired and Liabilities Assumed in the Stewardship Acquisition (Details) - USD ($) $ in Thousands	Nov. 01, 2019	Dec. 31, 2021	Dec. 31, 2020
Liabilities assumed:
Goodwill		$ 85,324	$ 80,285
Stewardship Financial Corporation
Assets acquired:
Cash and cash equivalents	$ 105,006
Debt securities available for sale	51,710
Equity securities	1,073
Federal Home Loan Bank stock	3,716
Loans receivable	757,223
Accrued interest receivable	2,239
Office properties and equipment, net	6,815
Bank-owned life insurance	22,096
Deferred tax assets, net	3,534
Core deposit and other intangibles	7,467
Other assets	767
Total assets acquired	961,646
Liabilities assumed:
Deposits	782,698
Borrowings	82,761
Advance payments by borrowers for taxes and insurance	356
Accrued expenses and other liabilities	14,584
Total liabilities assumed	880,399
Net assets acquired	81,247
Cash paid for purchase	136,294
Goodwill	$ 55,047

Acquisitions - Assets Acquire_2

Acquisitions - Assets Acquired and Liabilities Assumed in Roselle Acquisition (Details) - USD ($) $ in Thousands	Apr. 01, 2020	Dec. 31, 2021	Dec. 31, 2020
Liabilities assumed:
Goodwill		$ 85,324	$ 80,285
Roselle Entities
Assets acquired:
Cash and cash equivalents	$ 155,248
Debt securities available for sale	51,479
Debt securities held to maturity	13,418
Equity securities	1,796
Federal Home Loan Bank stock	2,010
Loans receivable	171,593
Accrued interest receivable	679
Office properties and equipment, net	5,774
Bank-owned life insurance	17,245
Deferred tax assets, net	1,334
Other assets	1,489
Total assets acquired	422,065
Liabilities assumed:
Deposits	333,234
Borrowings	37,728
Advance payments by borrowers for taxes and insurance	982
Accrued expenses and other liabilities	5,400
Total liabilities assumed	377,344
Net assets acquired	44,721
Fair market value of stock issued to Columbia Bank MHC for purchase	68,530
Goodwill	$ 23,809	$ 17,600

Acquisitions - Assets Acquire_3

Acquisitions - Assets Acquired and Liabilities Assumed in Freehold Acquisition (Details) - USD ($) $ in Thousands	Dec. 01, 2021	Dec. 31, 2021	Dec. 31, 2020
Liabilities assumed:
Goodwill		$ 85,324	$ 80,285
Freehold Entities
Assets acquired:
Cash and cash equivalents	$ 20,417
Debt securities available for sale	118,017
Federal Home Loan Bank stock	3,032
Loans receivable	158,912
Accrued interest receivable	867
Office properties and equipment, net	5,934
Bank-owned life insurance	8,661
Deferred tax assets, net	454
Core deposit and other intangibles	42
Other assets	162
Total assets acquired	316,498
Liabilities assumed:
Deposits	210,117
Borrowings	59,908
Advance payments by borrowers for taxes and insurance	495
Accrued expenses and other liabilities	4,822
Total liabilities assumed	275,342
Net assets acquired	41,156
Fair market value of stock issued to Columbia Bank MHC for purchase	47,260
Goodwill	$ 6,104

Debt Securities Available for_3

Debt Securities Available for Sale - Securities Available-for-Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 1,701,379	$ 1,277,511
Gross Unrealized Gains	16,943	40,748
Gross Unrealized (Losses)	(14,475)	(1,307)
Fair Value	1,703,847	1,316,952
U.S. government and agency obligations
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	34,711	24,425
Gross Unrealized Gains	404	1,124
Gross Unrealized (Losses)	(236)	0
Fair Value	34,879	25,549
Mortgage-backed securities and collateralized mortgage obligations
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	1,553,491	1,163,613
Gross Unrealized Gains	14,141	37,343
Gross Unrealized (Losses)	(13,273)	(562)
Fair Value	1,554,359	1,200,394
Municipal obligations
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	4,159	16,845
Gross Unrealized Gains	20	17
Gross Unrealized (Losses)	0	0
Fair Value	4,179	16,862
Corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	109,018	67,628
Gross Unrealized Gains	2,378	2,264
Gross Unrealized (Losses)	(966)	(415)
Fair Value	$ 110,430	69,477
Trust preferred securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost		5,000
Gross Unrealized Gains		0
Gross Unrealized (Losses)		(330)
Fair Value		$ 4,670

Debt Securities Available for_4

Debt Securities Available for Sale - Expected Maturities of Available-for-Sale Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Amortized Cost
One year or less	$ 5,912
More than one year to five years	80,419
More than five years to ten years	61,557
Available-for-sale debt securities, allocated and single maturity date, total	147,888
Mortgage-backed securities and collateralized mortgage obligations	1,553,491
Amortized Cost	1,701,379	$ 1,277,511
Fair Value
One year or less	5,998
More than one year to five years	82,493
More than five years to ten years	60,997
Available-for-sale debt securities, allocated and single maturity date, total	149,488
Mortgage-backed securities and collateralized mortgage obligations	1,554,359
Debt securities available for sale, at fair value	$ 1,703,847	$ 1,316,952

Debt Securities Available for_5

Debt Securities Available for Sale - Narrative (Details)	12 Months Ended
	Dec. 31, 2021USD ($)security	Dec. 31, 2020USD ($)security	Dec. 31, 2019USD ($)security
Debt Securities, Available-for-sale [Line Items]
Mortgage-backed securities and collateralized mortgage obligations, amortized cost	$ 1,553,491,000
Mortgage-backed securities and collateralized mortgage obligations, fair value	1,554,359,000
Proceeds from sales of debt securities available for sale	90,339,000	$ 20,761,000	$ 65,198,000
Debt securities, available-for-sale securities, gross realized gains	2,100,000	369,000	2,200,000
Debt securities, available-for-sale, realized loss	439,000	0	22,000
Proceeds from calls and maturities of debt securities, available-for-sale	14,000,000	11,600,000	24,100,000
Debt securities, available-for-sale, realized gain (loss)	0
Proceeds from sale and maturity of debt securities, available for sale	210,000	10,900,000	797,000
Calls of debt securities, available-for-sale, realized gain		1,000	174,000
Calls of debt securities, available-for-sale, unrealized loss		0	$ 0
Debt securities, available-for-sale, number of matured debt securities | security			1
Debt securities, available-for-sale, restricted	$ 587,700,000	$ 822,200,000
Number of unrealized loss positions | security	219	40
Other-than-temporary impairment loss, debt securities, available for sale	$ 0	$ 0	$ 0
Subsidiaries
Debt Securities, Available-for-sale [Line Items]
Debt securities, available-for-sale, restricted	$ 44,100,000

Debt Securities Available for_6

Debt Securities Available for Sale - Continuous Unrealized Loss Position of Available-for-Sale Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Less Than 12 Months
Fair Value	$ 864,455	$ 127,823
Gross Unrealized (Losses)	(12,799)	(636)
12 Months or Longer
Fair Value	67,112	34,428
Gross Unrealized (Losses)	(1,676)	(671)
Total
Fair Value	931,567	162,251
Gross Unrealized (Losses)	(14,475)	(1,307)
U.S. government and agency obligations
Less Than 12 Months
Fair Value	14,488
Gross Unrealized (Losses)	(236)
12 Months or Longer
Fair Value	0
Gross Unrealized (Losses)	0
Total
Fair Value	14,488
Gross Unrealized (Losses)	(236)
Mortgage-backed securities and collateralized mortgage obligations
Less Than 12 Months
Fair Value	820,746	117,978
Gross Unrealized (Losses)	(11,892)	(481)
12 Months or Longer
Fair Value	62,407	24,018
Gross Unrealized (Losses)	(1,381)	(81)
Total
Fair Value	883,153	141,996
Gross Unrealized (Losses)	(13,273)	(562)
Corporate debt securities
Less Than 12 Months
Fair Value	29,221	9,845
Gross Unrealized (Losses)	(671)	(155)
12 Months or Longer
Fair Value	4,705	5,740
Gross Unrealized (Losses)	(295)	(260)
Total
Fair Value	33,926	15,585
Gross Unrealized (Losses)	$ (966)	(415)
Trust preferred securities
Less Than 12 Months
Fair Value		0
Gross Unrealized (Losses)		0
12 Months or Longer
Fair Value		4,670
Gross Unrealized (Losses)		(330)
Total
Fair Value		4,670
Gross Unrealized (Losses)		$ (330)

Debt Securities Held-to-Maturit

Debt Securities Held-to-Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 429,734	$ 262,720
Gross Unrealized Gains	6,741	14,373
Gross Unrealized (Losses)	(1,686)	(2)
Fair Value	434,789	277,091
U.S. government and agency obligations
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	44,870	5,000
Gross Unrealized Gains	0	1
Gross Unrealized (Losses)	(759)	0
Fair Value	44,111	5,001
Mortgage-backed securities and collateralized mortgage obligations
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	384,864	257,720
Gross Unrealized Gains	6,741	14,372
Gross Unrealized (Losses)	(927)	(2)
Fair Value	$ 390,678	$ 272,090

Debt Securities Held to Matur_3

Debt Securities Held to Maturity - Expected Maturities of Held-to-Maturity Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Amortized cost
More than one year to five years	$ 14,875
More than five years to ten years	19,995
More than ten years	10,000
Held-to-maturity debt securities, allocated and single maturity date, total	44,870
Mortgage-backed securities and collateralized mortgage obligations	384,864
Amortized Cost	429,734
Fair value
More than one year to five years	14,754
More than five years to ten years	19,539
More than ten years	9,818
Held-to-maturity debt securities, allocated and single maturity date, total	44,111
Mortgage-backed securities and collateralized mortgage obligations	390,678
Debt securities held to maturity	434,789	$ 277,091
Mortgage-backed securities and collateralized mortgage obligations
Fair value
Debt securities held to maturity	390,678	272,090
U.S. government and agency obligations
Fair value
Debt securities held to maturity	$ 44,111	$ 5,001

Debt Securities Held to Matur_4

Debt Securities Held to Maturity - Narrative (Details)	12 Months Ended
	Dec. 31, 2021USD ($)security	Dec. 31, 2020USD ($)security	Dec. 31, 2019USD ($)
Schedule of Held-to-maturity Securities [Line Items]
Mortgage-backed securities and collateralized mortgage obligations, amortized cost	$ 384,864,000
Morgtage-backed securities and collateralized mortgage obligations, fair value	390,678,000
Proceeds from sale of held-to-maturity securities	0	$ 0	$ 0
Proceeds from calls and maturities of debt securities held to maturity	5,100,000	20,000,000	33,400,000
Debt securities, held-to-maturity, realized gain (loss)	0	0
Debt securities, held-to-maturity, sold, realized gain			24,000
Debt securities, held-to-maturity, sold, realized loss			0
Securities available-for-sale sold under agreements	$ 252,400,000	$ 220,500,000
Number of unrealized loss positions | security	25	2
Other-than-temporary impairment loss, debt securities, held-to-maturity, before tax	$ 0	$ 0	$ 0

Debt Securities Held to Matur_5

Debt Securities Held to Maturity - Continuous Unrealized Loss Position of Held-to-Maturity Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Less Than 12 Months
Fair Value	$ 123,147	$ 2,176
Gross Unrealized (Losses)	(1,686)	(2)
12 Months or Longer
Fair Value	0	0
Gross Unrealized (Losses)	0	0
Total
Fair Value	123,147	2,176
Gross Unrealized (Losses)	(1,686)	(2)
U.S. government and agency obligations
Less Than 12 Months
Fair Value	44,111
Gross Unrealized (Losses)	(759)
12 Months or Longer
Fair Value	0
Gross Unrealized (Losses)	0
Total
Fair Value	44,111
Gross Unrealized (Losses)	(759)
Mortgage-backed securities and collateralized mortgage obligations
Less Than 12 Months
Fair Value	79,036	2,176
Gross Unrealized (Losses)	(927)	(2)
12 Months or Longer
Fair Value	0	0
Gross Unrealized (Losses)	0	0
Total
Fair Value	79,036	2,176
Gross Unrealized (Losses)	$ (927)	$ (2)

Equity Securities at Fair Val_2

Equity Securities at Fair Value - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Debt and Equity Securities, FV-NI [Line Items]
Equity securities, at fair value	$ 2,710,000	$ 5,418,000
Stockholders' equity	1,079,081,000	1,011,287,000	$ 982,517,000	$ 972,060,000
Change in fair value of equity securities	(1,792,000)	767,000	305,000
Proceeds from sales of equity securities	1,390,000	0	1,065,000
Gross realized gain in equity securities	383,000		236,000
Gross realized losses in equity securities	0		0
Cumulative Effect, Period of Adoption, Adjustment
Debt and Equity Securities, FV-NI [Line Items]
Stockholders' equity				0
Cumulative Effect, Period of Adoption, Adjustment | Accounting Standards Update 2016-01
Debt and Equity Securities, FV-NI [Line Items]
Equity securities, at fair value				1,900,000
Retained Earnings
Debt and Equity Securities, FV-NI [Line Items]
Stockholders' equity	765,133,000	673,084,000	615,481,000	560,216,000
Retained Earnings | Cumulative Effect, Period of Adoption, Adjustment
Debt and Equity Securities, FV-NI [Line Items]
Stockholders' equity				548,000
Retained Earnings | Cumulative Effect, Period of Adoption, Adjustment | Accounting Standards Update 2016-01
Debt and Equity Securities, FV-NI [Line Items]
Stockholders' equity				548,000
Accumulated Other Comprehensive (Loss)
Debt and Equity Securities, FV-NI [Line Items]
Stockholders' equity	$ (45,919,000)	$ (69,625,000)	$ (68,735,000)	(71,897,000)
Accumulated Other Comprehensive (Loss) | Cumulative Effect, Period of Adoption, Adjustment
Debt and Equity Securities, FV-NI [Line Items]
Stockholders' equity				(548,000)
Accumulated Other Comprehensive (Loss) | Cumulative Effect, Period of Adoption, Adjustment | Accounting Standards Update 2016-01
Debt and Equity Securities, FV-NI [Line Items]
Stockholders' equity				$ (548,000)

Loans Receivable and Allowanc_3

Loans Receivable and Allowance for Loan Losses - Loans Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	$ 6,335,722	$ 6,168,892
Net deferred loan costs, fees and purchased premiums and discounts	24,879	12,878
Loans receivable	6,360,601	6,181,770
Related Parties
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	8,900	1,600
Real estate loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	2,092,748	1,940,636
Real estate loans | Multifamily and commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	3,216,770	2,822,858
Real estate loans | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	295,047	328,711
Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	453,166	754,013
Commercial business loans | Paycheck Protection Program
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	44,900	344,400
Consumer loans | Home equity loans and advances
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	276,563	321,177
Consumer loans | Other consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	1,428	1,497
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	6,328,931	6,162,547
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	2,092,317	1,940,327
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Multifamily and commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	3,211,344	2,817,965
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	295,047	328,711
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	452,232	752,870
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Home equity loans and advances
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	276,563	321,177
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Other consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	1,428	1,497
Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	6,791	6,345
Financial Asset Acquired with Credit Deterioration | Stewardship Financial Corporation
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	2,700	6,100
Financial Asset Acquired with Credit Deterioration | Roselle Entities
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	184	184
Financial Asset Acquired with Credit Deterioration | Freehold Entities
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable		3,900
Financial Asset Acquired with Credit Deterioration | Real estate loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	431	309
Financial Asset Acquired with Credit Deterioration | Real estate loans | Multifamily and commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	5,426	4,893
Financial Asset Acquired with Credit Deterioration | Real estate loans | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	0	0
Financial Asset Acquired with Credit Deterioration | Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	934	1,143
Financial Asset Acquired with Credit Deterioration | Consumer loans | Home equity loans and advances
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	0	0
Financial Asset Acquired with Credit Deterioration | Consumer loans | Other consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	$ 0	$ 0

Loans Receivable and Allowanc_4

Loans Receivable and Allowance for Loan Losses - Narrative (Details)	12 Months Ended
	Dec. 31, 2021USD ($)loan	Dec. 31, 2020USD ($)loan	Dec. 31, 2019USD ($)loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-sale	$ 0	$ 4,100,000
Proceeds from sales of loans held-for-sale	302,039,000	111,764,000	$ 101,946,000
Gain on sale of loans held-for-sale	8,600,000	1,700,000	718,000
Loss on sale of loans held-for-sale	24,000	0	0
Proceeds from sales of loans receivable	0	35,613,000	11,671,000
Gain on sale of loans held-for-investment		161,000	67,000
Loss on sale of loans held-for-investment		0	0
Purchases and grants of loans receivable	85,382,000	0	89,774,000
Carrying value of servicing liability	519,500,000	598,000,000
Servicing income	$ 1,500,000	$ 1,400,000	1,200,000
Threshold period, past due status of financing receivables	30 days
Threshold period, past due for nonperforming status of financing receivables	90 days	90 days
Non-accrual loans	$ 3,900,000	$ 8,200,000
Increase in interest income if non-accrual had performed in line with their original terms	190,000	426,000	509,000
Cash basis interest income on non-accrual loans	242,000	410,000	$ 437,000
Loans past due	0	0
Property acquired through foreclosure	$ 0	$ 0
Number of loans in the process of foreclosure | loan	1	2
Loans in process of foreclosure	$ 87,000	$ 398,000
Loan threshold for individual evaluation for impairment	500,000
Specific allowance for loan losses attributable to impaired loans	378,000	1,088,000
Impaired loans for which there are no related allowance for loan losses	17,280,000	19,061,000
Investment in troubled debt restructuring	$ 22,400,000	$ 45,400,000
Number of loans in troubled debt restructuring | loan	3	7	1
Less Than 90 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	$ 1,700,000	$ 2,200,000
Number of loans in non-accrual status | loan	10	19
90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Investment in troubled debt restructuring		$ 91,000
Number of loans in troubled debt restructuring | loan	0	1
30-59 Days
Accounts, Notes, Loans and Financing Receivable [Line Items]
Investment in troubled debt restructuring	$ 36,000	$ 11,900,000
Number of loans in troubled debt restructuring | loan	1	3
Related Parties
Accounts, Notes, Loans and Financing Receivable [Line Items]
Purchases and grants of loans receivable	$ 522,700	$ 300,000	$ 0
Number of loans granted to related party | loan	1	1
Freddie Mac
Accounts, Notes, Loans and Financing Receivable [Line Items]
Proceeds from sales of loans receivable	$ 99,600,000	$ 117,300,000	21,600,000
Gain on sale of loans receivable	2,300,000	3,500,000
Loss on sale of loans receivable	0	0
Real estate loans | One-to-four family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Proceeds from sales of loans held-for-sale	18,500,000	111,800,000	97,400,000
Proceeds from sale of loans held-for-investment		15,100,000	5,300,000
Purchases and grants of loans receivable	11,800,000		89,800,000
Specific allowance for loan losses attributable to impaired loans	258,000	391,000
Impaired loans for which there are no related allowance for loan losses	$ 1,882,000	$ 3,344,000
Number of loans in troubled debt restructuring | loan	2	0
Real estate loans | Multifamily and commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Proceeds from sales of loans held-for-sale	$ 19,100,000		4,300,000
Proceeds from sale of loans held-for-investment			901,000
Purchases and grants of loans receivable	73,600,000
Specific allowance for loan losses attributable to impaired loans	97,000	$ 601,000
Impaired loans for which there are no related allowance for loan losses	$ 14,623,000	$ 13,058,000
Number of loans in troubled debt restructuring | loan	1	5
Real estate loans | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Proceeds from sales of loans held-for-sale	$ 6,400,000
Proceeds from sale of loans held-for-investment		$ 13,000,000
Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Proceeds from sales of loans held-for-sale	258,100,000		$ 164,000
Proceeds from sale of loans held-for-investment		7,600,000
Specific allowance for loan losses attributable to impaired loans	16,000	84,000
Impaired loans for which there are no related allowance for loan losses	$ 573,000	$ 1,945,000
Number of loans in troubled debt restructuring | loan	0	2	1
Commercial business loans | Paycheck Protection Program
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, unamortized loan fee (cost)	$ 1,200,000	$ 6,600,000
Consumer loans | Home equity loans and advances
Accounts, Notes, Loans and Financing Receivable [Line Items]
Proceeds from sale of loans held-for-investment			$ 5,500,000
Specific allowance for loan losses attributable to impaired loans	7,000	12,000
Impaired loans for which there are no related allowance for loan losses	$ 202,000	$ 714,000

Loans Receivable and Allowanc_5

Loans Receivable and Allowance for Loan Losses - Aging of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Non-accrual	$ 3,900	$ 8,200
Total gross loans	6,335,722	6,168,892
Real estate loans | One-to-four family
Financing Receivable, Past Due [Line Items]
Total gross loans	2,092,748	1,940,636
Real estate loans | Multifamily and commercial
Financing Receivable, Past Due [Line Items]
Total gross loans	3,216,770	2,822,858
Real estate loans | Construction
Financing Receivable, Past Due [Line Items]
Total gross loans	295,047	328,711
Commercial business loans
Financing Receivable, Past Due [Line Items]
Total gross loans	453,166	754,013
Consumer loans | Home equity loans and advances
Financing Receivable, Past Due [Line Items]
Total gross loans	276,563	321,177
Consumer loans | Other consumer loans
Financing Receivable, Past Due [Line Items]
Total gross loans	1,428	1,497
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Past Due [Line Items]
Non-accrual	3,939	8,156
Total gross loans	6,328,931	6,162,547
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total gross loans	10,091	31,416
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total gross loans	5,840	22,766
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total gross loans	2,033	2,664
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total gross loans	2,218	5,986
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total gross loans	6,318,840	6,131,131
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | One-to-four family
Financing Receivable, Past Due [Line Items]
Non-accrual	1,416	2,637
Total gross loans	2,092,317	1,940,327
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | One-to-four family | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total gross loans	5,480	5,881
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | One-to-four family | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total gross loans	3,131	3,068
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | One-to-four family | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total gross loans	1,976	912
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | One-to-four family | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total gross loans	373	1,901
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | One-to-four family | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total gross loans	2,086,837	1,934,446
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Multifamily and commercial
Financing Receivable, Past Due [Line Items]
Non-accrual	1,561	1,873
Total gross loans	3,211,344	2,817,965
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Multifamily and commercial | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total gross loans	3,750	16,883
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Multifamily and commercial | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total gross loans	2,189	15,645
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Multifamily and commercial | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total gross loans	0	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Multifamily and commercial | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total gross loans	1,561	1,238
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Multifamily and commercial | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total gross loans	3,207,594	2,801,082
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Construction
Financing Receivable, Past Due [Line Items]
Non-accrual	0	0
Total gross loans	295,047	328,711
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Construction | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total gross loans	0	550
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Construction | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total gross loans	0	550
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Construction | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total gross loans	0	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Construction | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total gross loans	0	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Construction | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total gross loans	295,047	328,161
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial business loans
Financing Receivable, Past Due [Line Items]
Non-accrual	761	2,968
Total gross loans	452,232	752,870
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial business loans | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total gross loans	615	5,852
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial business loans | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total gross loans	412	2,343
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial business loans | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total gross loans	0	1,056
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial business loans | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total gross loans	203	2,453
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial business loans | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total gross loans	451,617	747,018
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Home equity loans and advances
Financing Receivable, Past Due [Line Items]
Non-accrual	201	678
Total gross loans	276,563	321,177
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Home equity loans and advances | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total gross loans	242	2,246
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Home equity loans and advances | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total gross loans	108	1,156
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Home equity loans and advances | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total gross loans	53	696
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Home equity loans and advances | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total gross loans	81	394
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Home equity loans and advances | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total gross loans	276,321	318,931
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Other consumer loans
Financing Receivable, Past Due [Line Items]
Non-accrual	0	0
Total gross loans	1,428	1,497
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Other consumer loans | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total gross loans	4	4
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Other consumer loans | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total gross loans	0	4
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Other consumer loans | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total gross loans	4	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Other consumer loans | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total gross loans	0	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Other consumer loans | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total gross loans	$ 1,424	$ 1,493

Loans Receivable and Allowanc_6

Loans Receivable and Allowance for Loan Losses - PCI Loans Acquired (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 01, 2021	Dec. 31, 2020	Apr. 01, 2020	Dec. 31, 2019	Nov. 01, 2019
Receivables [Abstract]
Contractually required principal and interest		$ 5,149		$ 461		$ 9,286
Contractual cash flows not expected to be collected (non-accretable difference)		0		(237)		(1,823)
Expected cash flows to be collected		5,149		224		7,463
Interest component of expected cash flows (accretable yield)	$ 347	(1,452)	$ 418	(51)	$ 511	(556)
Fair value of acquired loans		$ 3,697		$ 173		$ 6,907

Loans Receivable and Allowanc_7

Loans Receivable and Allowance for Loan Losses - Accretable Yield for PCI Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Balance at beginning of period	$ 418	$ 511
Acquisition	19	58
Accretion	(20)	(34)
Net change in expected cash flows	(70)	(117)
Balance at end of period	$ 347	$ 418

Loans Receivable and Allowanc_8

Loans Receivable and Allowance for Loan Losses - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Allowance for loan losses:
Total	$ 62,689	$ 74,676	$ 61,709	$ 62,342
Total loans:
Total	6,335,722	6,168,892
Real estate loans | One-to-four family
Allowance for loan losses:
Total	8,798	13,586	13,780	15,232
Total loans:
Total	2,092,748	1,940,636
Real estate loans | Multifamily and commercial
Allowance for loan losses:
Total	23,855	30,681	22,980	23,251
Total loans:
Total	3,216,770	2,822,858
Real estate loans | Construction
Allowance for loan losses:
Total	8,943	11,271	7,435	7,217
Total loans:
Total	295,047	328,711
Commercial business loans
Allowance for loan losses:
Total	20,214	17,384	15,836	14,176
Total loans:
Total	453,166	754,013
Consumer loans | Home equity loans and advances
Allowance for loan losses:
Total	873	1,748	1,669	2,458
Total loans:
Total	276,563	321,177
Consumer loans | Other consumer loans
Allowance for loan losses:
Total	6	6	$ 9	$ 8
Total loans:
Total	1,428	1,497
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Allowance for loan losses:
Individually evaluated for impairment	378	1,088
Collectively evaluated for impairment	62,311	73,588
Total loans:
Individually evaluated for impairment	24,287	45,147
Collectively evaluated for impairment	6,304,644	6,117,400
Total	6,328,931	6,162,547
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | One-to-four family
Allowance for loan losses:
Individually evaluated for impairment	258	391
Collectively evaluated for impairment	8,540	13,195
Total loans:
Individually evaluated for impairment	5,184	7,257
Collectively evaluated for impairment	2,087,133	1,933,070
Total	2,092,317	1,940,327
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Multifamily and commercial
Allowance for loan losses:
Individually evaluated for impairment	97	601
Collectively evaluated for impairment	23,758	30,080
Total loans:
Individually evaluated for impairment	16,592	32,792
Collectively evaluated for impairment	3,194,752	2,785,173
Total	3,211,344	2,817,965
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Construction
Allowance for loan losses:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	8,943	11,271
Total loans:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	295,047	328,711
Total	295,047	328,711
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial business loans
Allowance for loan losses:
Individually evaluated for impairment	16	84
Collectively evaluated for impairment	20,198	17,300
Total loans:
Individually evaluated for impairment	1,806	3,447
Collectively evaluated for impairment	450,426	749,423
Total	452,232	752,870
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Home equity loans and advances
Allowance for loan losses:
Individually evaluated for impairment	7	12
Collectively evaluated for impairment	866	1,736
Total loans:
Individually evaluated for impairment	705	1,651
Collectively evaluated for impairment	275,858	319,526
Total	276,563	321,177
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Other consumer loans
Allowance for loan losses:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	6	6
Total loans:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,428	1,497
Total	1,428	1,497
Financial Asset Acquired with Credit Deterioration
Allowance for loan losses:
Total	0	0
Total loans:
Total	6,791	6,345
Financial Asset Acquired with Credit Deterioration | Real estate loans | One-to-four family
Allowance for loan losses:
Total	0	0
Total loans:
Total	431	309
Financial Asset Acquired with Credit Deterioration | Real estate loans | Multifamily and commercial
Allowance for loan losses:
Total	0	0
Total loans:
Total	5,426	4,893
Financial Asset Acquired with Credit Deterioration | Real estate loans | Construction
Allowance for loan losses:
Total	0	0
Total loans:
Total	0	0
Financial Asset Acquired with Credit Deterioration | Commercial business loans
Allowance for loan losses:
Total	0	0
Total loans:
Total	934	1,143
Financial Asset Acquired with Credit Deterioration | Consumer loans | Home equity loans and advances
Allowance for loan losses:
Total	0	0
Total loans:
Total	0	0
Financial Asset Acquired with Credit Deterioration | Consumer loans | Other consumer loans
Allowance for loan losses:
Total	0	0
Total loans:
Total	$ 0	$ 0

Loans Receivable and Allowanc_9

Loans Receivable and Allowance for Loan Losses - Troubled Debt Restructuring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)loan	Dec. 31, 2020USD ($)loan	Dec. 31, 2019USD ($)loan
Financing Receivable, Troubled Debt Restructuring [Line Items]
No. of Loans | loan	3	7	1
Pre-modification Recorded Investment	$ 477	$ 28,529	$ 4,095
Post-modification Recorded Investment	$ 599	$ 29,824	$ 4,095
Real estate loans | One-to-four family
Financing Receivable, Troubled Debt Restructuring [Line Items]
No. of Loans | loan	2	0
Pre-modification Recorded Investment	$ 285	$ 0
Post-modification Recorded Investment	$ 388	$ 0
Real estate loans | Multifamily and commercial
Financing Receivable, Troubled Debt Restructuring [Line Items]
No. of Loans | loan	1	5
Pre-modification Recorded Investment	$ 192	$ 17,022
Post-modification Recorded Investment	$ 211	$ 17,022
Commercial business loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
No. of Loans | loan	0	2	1
Pre-modification Recorded Investment	$ 0	$ 11,507	$ 4,095
Post-modification Recorded Investment	$ 0	$ 12,802	$ 4,095

Loans Receivable and Allowan_10

Loans Receivable and Allowance for Loan Losses - Rollforward of Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Allowance for loan losses:
Beginning balance	$ 74,676	$ 61,709	$ 62,342
Provision (credited) charged	(9,953)	18,447	4,224
Recoveries	1,530	823	496
Charge-offs	(3,564)	(6,303)	(5,353)
Ending balance	62,689	74,676	61,709
Real estate loans | One-to-four family
Allowance for loan losses:
Beginning balance	13,586	13,780	15,232
Provision (credited) charged	(4,037)	1,299	(429)
Recoveries	22	438	30
Charge-offs	(773)	(1,931)	(1,053)
Ending balance	8,798	13,586	13,780
Real estate loans | Multifamily and commercial
Allowance for loan losses:
Beginning balance	30,681	22,980	23,251
Provision (credited) charged	(7,354)	7,713	(178)
Recoveries	1,231	16	10
Charge-offs	(703)	(28)	(103)
Ending balance	23,855	30,681	22,980
Real estate loans | Construction
Allowance for loan losses:
Beginning balance	11,271	7,435	7,217
Provision (credited) charged	(2,330)	3,835	216
Recoveries	2	1	2
Charge-offs	0	0	0
Ending balance	8,943	11,271	7,435
Commercial business loans
Allowance for loan losses:
Beginning balance	17,384	15,836	14,176
Provision (credited) charged	4,384	5,360	5,250
Recoveries	219	308	404
Charge-offs	(1,773)	(4,120)	(3,994)
Ending balance	20,214	17,384	15,836
Consumer loans | Home equity loans and advances
Allowance for loan losses:
Beginning balance	1,748	1,669	2,458
Provision (credited) charged	(623)	239	(638)
Recoveries	56	60	50
Charge-offs	(308)	(220)	(201)
Ending balance	873	1,748	1,669
Consumer loans | Other consumer loans
Allowance for loan losses:
Beginning balance	6	9	8
Provision (credited) charged	7	1	3
Recoveries	0	0	0
Charge-offs	(7)	(4)	(2)
Ending balance	$ 6	$ 6	$ 9

Loans Receivable and Allowan_11

Loans Receivable and Allowance for Loan Losses - Loans Individually Evaluated for Impairment (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Recorded Investment
With no allowance recorded	$ 17,280	$ 19,061
With a specific allowance recorded	7,007	26,086
Recorded investment	24,287	45,147
Unpaid Principal Balance
With no allowance recorded	18,653	19,788
With a specific allowance recorded	7,028	26,708
Unpaid principal balance	25,681	46,496
Specific Allowance
Specific allowance	378	1,088
Real estate loans | One-to-four family
Recorded Investment
With no allowance recorded	1,882	3,344
With a specific allowance recorded	3,302	3,913
Recorded investment	5,184	7,257
Unpaid Principal Balance
With no allowance recorded	2,421	3,898
With a specific allowance recorded	3,321	3,919
Unpaid principal balance	5,742	7,817
Specific Allowance
Specific allowance	258	391
Real estate loans | Multifamily and commercial
Recorded Investment
With no allowance recorded	14,623	13,058
With a specific allowance recorded	1,969	19,734
Recorded investment	16,592	32,792
Unpaid Principal Balance
With no allowance recorded	15,351	13,094
With a specific allowance recorded	1,971	20,350
Unpaid principal balance	17,322	33,444
Specific Allowance
Specific allowance	97	601
Commercial business loans
Recorded Investment
With no allowance recorded	573	1,945
With a specific allowance recorded	1,233	1,502
Recorded investment	1,806	3,447
Unpaid Principal Balance
With no allowance recorded	573	1,945
With a specific allowance recorded	1,233	1,502
Unpaid principal balance	1,806	3,447
Specific Allowance
Specific allowance	16	84
Consumer loans | Home equity loans and advances
Recorded Investment
With no allowance recorded	202	714
With a specific allowance recorded	503	937
Recorded investment	705	1,651
Unpaid Principal Balance
With no allowance recorded	308	851
With a specific allowance recorded	503	937
Unpaid principal balance	811	1,788
Specific Allowance
Specific allowance	$ 7	$ 12

Loans Receivable and Allowan_12

Loans Receivable and Allowance for Loan Losses - Interest Income on Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Recorded Investment
Average Recorded Investment	$ 34,311	$ 38,519	$ 21,240
Interest Income Recognized	1,305	1,712	1,203
Real estate loans | One-to-four family
Recorded Investment
Average Recorded Investment	5,738	7,946	8,811
Interest Income Recognized	285	305	434
Real estate loans | Multifamily and commercial
Recorded Investment
Average Recorded Investment	25,333	23,701	2,639
Interest Income Recognized	838	1,091	147
Real estate loans | Construction
Recorded Investment
Average Recorded Investment	0	0	850
Interest Income Recognized	0	0	0
Commercial business loans
Recorded Investment
Average Recorded Investment	2,121	4,963	6,378
Interest Income Recognized	139	216	479
Consumer loans | Home equity loans and advances
Recorded Investment
Average Recorded Investment	1,119	1,909	2,562
Interest Income Recognized	$ 43	$ 100	$ 143

Loans Receivable and Allowan_13

Loans Receivable and Allowance for Loan Losses - Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	$ 6,335,722	$ 6,168,892
Real estate loans | One-to-four family
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	2,092,748	1,940,636
Real estate loans | Multifamily and commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	3,216,770	2,822,858
Real estate loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	295,047	328,711
Commercial business loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	453,166	754,013
Consumer loans | Home equity loans and advances
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	276,563	321,177
Consumer loans | Other consumer loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	1,428	1,497
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	6,328,931	6,162,547
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	6,225,484	6,084,247
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	61,068	47,514
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	42,379	30,786
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	0	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | One-to-four family
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	2,092,317	1,940,327
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | One-to-four family | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	2,087,547	1,935,032
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | One-to-four family | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	202	404
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | One-to-four family | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	4,568	4,891
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | One-to-four family | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	0	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Multifamily and commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	3,211,344	2,817,965
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Multifamily and commercial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	3,130,414	2,758,905
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Multifamily and commercial | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	54,046	40,392
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Multifamily and commercial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	26,884	18,668
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Multifamily and commercial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	0	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	295,047	328,711
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	294,940	328,711
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Construction | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	107	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Construction | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	0	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real estate loans | Construction | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	0	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial business loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	452,232	752,870
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial business loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	434,930	740,010
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial business loans | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	6,713	6,718
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial business loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	10,589	6,142
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial business loans | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	0	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Home equity loans and advances
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	276,563	321,177
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Home equity loans and advances | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	276,225	320,092
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Home equity loans and advances | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	0	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Home equity loans and advances | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	338	1,085
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Home equity loans and advances | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	0	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Other consumer loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	1,428	1,497
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Other consumer loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	1,428	1,497
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Other consumer loans | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	0	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Other consumer loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	0	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Consumer loans | Other consumer loans | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total gross loans	$ 0	$ 0

Office Properties and Equipme_3

Office Properties and Equipment, net - Schedule of Office Properties and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Property, Plant and Equipment [Line Items]
Office property and equipment, gross	$ 145,273	$ 133,141
Less accumulated depreciation and amortization	(66,565)	(57,167)
Total office properties and equipment, net	78,708	75,974
Land
Property, Plant and Equipment [Line Items]
Office property and equipment, gross	12,900	10,174
Buildings
Property, Plant and Equipment [Line Items]
Office property and equipment, gross	36,897	31,523
Land and building improvements
Property, Plant and Equipment [Line Items]
Office property and equipment, gross	36,683	35,307
Leasehold improvements
Property, Plant and Equipment [Line Items]
Office property and equipment, gross	22,636	22,166
Furniture and equipment
Property, Plant and Equipment [Line Items]
Office property and equipment, gross	$ 36,157	$ 33,971

Office Properties and Equipme_4

Office Properties and Equipment, net - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment [Line Items]
Depreciation and amortization	$ 6,700	$ 6,500	$ 4,900
Stewardship Property
Property, Plant and Equipment [Line Items]
Assets held-for-sale, long-lived, fair value disclosure		1,900
Land and building improvements
Property, Plant and Equipment [Line Items]
Property, plant and equipment, additions	$ 923	$ 2,600

Leases - Additional Information

Leases - Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Jan. 01, 2020	Dec. 31, 2019
Lessee, Lease, Description [Line Items]
Total lease liability	$ 19,585	$ 20,072
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other assets
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other Liabilities	Other Liabilities
Operating lease, weighted average remaining lease term	7 years	7 years 6 months
Operating lease, weighted average discount rate	2.13%	2.26%
Lease, cost	$ 2,400
Operating lease commitments due, next twelve months				$ 4,900
Operating lease commitments due, 2021				4,500
Operating lease commitments due, 2022				4,000
Operating lease commitments due, 2023				3,500
Operating lease commitments due, 2024				2,700
Operating lease commitments due thereafter				$ 5,000
Minimum
Lessee, Lease, Description [Line Items]
Lessee, operating lease, renewal term	3 years
Maximum
Lessee, Lease, Description [Line Items]
Lessee, operating lease, renewal term	10 years
Accounting Standards Update 2016-02
Lessee, Lease, Description [Line Items]
Operating lease, right-of-use asset			$ 22,200
Total lease liability			$ 23,300

Leases - Operating Lease Paymen

Leases - Operating Lease Payment Obligations (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
One year or less	$ 4,198	$ 4,010
After one year to two years	3,950	3,624
After two years to three years	3,150	3,310
After three years to four years	2,479	2,586
After four years to five years	2,177	1,914
Thereafter	5,340	6,620
Total undiscounted cash flows	21,294	22,064
Discount on cash flows	(1,709)	(1,992)
Total lease liability	$ 19,585	$ 20,072

Goodwill and Intangible Asset_2

Goodwill and Intangible Assets - Schedule of Goodwill and Intangible Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Finite-Lived Intangible Assets [Line Items]
Goodwill	$ 85,324	$ 80,285
Goodwill and intangible assets	91,693	87,384
Core deposit intangibles
Finite-Lived Intangible Assets [Line Items]
Finite-lived intangible assets	5,214	6,197
Mortgage servicing rights
Finite-Lived Intangible Assets [Line Items]
Finite-lived intangible assets	$ 1,155	$ 902

Goodwill and Intangible Asset_3

Goodwill and Intangible Assets - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Finite-Lived Intangible Assets [Line Items]
Amortization of intangible assets	$ 1,025	$ 1,048	$ 222
Mortgage servicing rights
Finite-Lived Intangible Assets [Line Items]
Amortization of intangible assets	266	130	109
Core deposit intangibles
Finite-Lived Intangible Assets [Line Items]
Amortization of intangible assets	$ 1,000	$ 1,000	$ 222

Goodwill and Intangible Asset_4

Goodwill and Intangible Assets - Schedule of Amortization of Core Deposit Intangibles (Details) - Core deposit intangibles - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Acquired Finite-Lived Intangible Assets [Line Items]
2022	$ 968
2023	899
2024	825
2025	743
2026	651
Thereafter	1,128
Total	$ 5,214	$ 6,197

Deposits - Schedule of Deposits

Deposits - Schedule of Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Balance
Non-interest-bearing demand	$ 1,712,061	$ 1,354,605
Interest-bearing demand	2,599,987	2,189,164
Money market accounts	657,156	588,180
Savings and club deposits	822,833	688,309
Certificates of deposit	1,778,179	1,958,366
Total deposits	$ 7,570,216	$ 6,778,624
Weighted Average Rate
Interest-bearing demand	0.25%	0.40%
Money market accounts	0.22%	0.36%
Savings and club deposits	0.06%	0.16%
Certificates of deposit	0.73%	1.44%
Total deposits	0.28%	0.59%

Deposits - Narrative (Details)

Deposits - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deposit Liability [Line Items]
Certificates of deposit	$ 1,778,179	$ 1,958,366
Aggregate amount of certificates of deposit exceeding threshold amount	932,400	1,000,000
Stewardship Financial Corporation
Deposit Liability [Line Items]
Certificates of deposit	$ 5,000	$ 26,300

Deposits - Schedule of Deposit

Deposits - Schedule of Deposit Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deposits [Abstract]
One year or less	$ 1,087,631	$ 1,494,129
After one year to two years	418,515	337,579
After two years to three years	143,950	52,809
After three years to four years	36,277	23,018
After four years	91,806	50,831
Total term certificate accounts	$ 1,778,179	$ 1,958,366

Deposits - Interest Expense on

Deposits - Interest Expense on Deposits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Assets Sold under Agreements to Repurchase [Line Items]
Interest expense on deposits	$ 29,109	$ 55,246	$ 61,551
Demand (including money market accounts)
Assets Sold under Agreements to Repurchase [Line Items]
Interest expense on deposits	10,077	15,556	19,922
Savings and club deposits
Assets Sold under Agreements to Repurchase [Line Items]
Interest expense on deposits	731	1,023	770
Certificates of deposit
Assets Sold under Agreements to Repurchase [Line Items]
Interest expense on deposits	$ 18,301	$ 38,667	$ 40,859

Borrowings - Schedule of borrow

Borrowings - Schedule of borrowed funds (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 21, 2021	Dec. 31, 2020
Debt Instrument [Line Items]
Balance	$ 377,309		$ 799,364
Weighted Average Interest Rate	1.38%		1.20%
FHLB advances
Debt Instrument [Line Items]
Balance	$ 340,495		$ 792,412
Weighted Average Interest Rate	1.17%		1.18%
Notes payable
Debt Instrument [Line Items]
Balance	$ 29,841	$ 30,000	$ 0
Weighted Average Interest Rate	3.35%		0.00%
Junior subordinated debt
Debt Instrument [Line Items]
Balance	$ 6,973		$ 6,952
Weighted Average Interest Rate	3.07%		3.20%

Borrowings - Narrative (Details

Borrowings - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 21, 2021
Debt Instrument [Line Items]
Balance	$ 377,309,000	$ 799,364,000
Unused line of credit	250,000,000	250,000,000
Advances from federal home loan banks	$ 1,900,000,000	$ 2,100,000,000
Weighted Average Interest Rate	1.38%	1.20%
Subsidiaries
Debt Instrument [Line Items]
Unused line of credit	$ 15,000,000	$ 15,000,000
Advances from federal home loan banks	25,100,000
Revolving Credit Facility
Debt Instrument [Line Items]
Line of credit facility, maximum borrowing capacity	30,000,000
Line of Credit
Debt Instrument [Line Items]
Balance	0
Interest expense, debt	7,000	425,000	$ 1,800,000
Securities sold under agreements to repurchase
Debt Instrument [Line Items]
Advances from federal home loan banks	148,100,000	222,400,000
Securities sold under agreements to repurchase | Subsidiaries
Debt Instrument [Line Items]
Advances from federal home loan banks	44,100,000
FHLB advances
Debt Instrument [Line Items]
Balance	340,495,000	792,412,000
Interest expense, debt	$ 7,600,000	$ 17,700,000	25,200,000
Weighted Average Interest Rate	1.17%	1.18%
Notes payable
Debt Instrument [Line Items]
Balance	$ 29,841,000	$ 0		$ 30,000,000
Interest expense, debt	$ 25,000
Weighted Average Interest Rate	3.35%	0.00%
Junior subordinated debt
Debt Instrument [Line Items]
Balance	$ 6,973,000	$ 6,952,000
Interest expense, debt	$ 245,000	$ 295,000	$ 65,000
Weighted Average Interest Rate	3.07%	3.20%
Interest rate, effective percentage	3.07%	3.20%
Subordinated notes
Debt Instrument [Line Items]
Interest expense, debt	$ 0	$ 448,000
Interest rate swaps | FHLB advances
Debt Instrument [Line Items]
Notional amount of derivative	$ 190,000,000	$ 430,000,000
London Interbank Offered Rate (LIBOR) | Junior subordinated debt
Debt Instrument [Line Items]
Basis spread on variable rate	2.95%

Borrowings - Schedule of contra

Borrowings - Schedule of contractual maturity of borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Debt Instrument [Line Items]
Total FHLB advances	$ 377,309	$ 799,364
Line of Credit and FHLB Advances
Debt Instrument [Line Items]
One year or less	228,725
After one year to two years	33,804
After two years to three years	38,602
After three years to four years	28,053
After four years	11,311
Total FHLB advances	$ 340,495

Stockholders' Equity - Actual C

Stockholders' Equity - Actual Capital Amounts and Ratios (Details) $ in Thousands	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Parent Company
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Capital conservation buffer, ratio	2.50%
Actual, Amount
Total capital	$ 1,104,863	$ 1,070,361
Tier one capital	1,041,650	998,172
Common equity tier one capital	1,034,433	990,955
Tier one leverage capital	$ 1,041,650	$ 998,172
Ratio, Actual
Capital to risk weighted assets	0.1713	0.1854
Tier one risk based capital to risk weighted assets	0.1615	0.1729
Common equity tier one capital	0.1604	0.1717
Tier one leverage capital to average assets	0.1123	0.1138
Minimum Capital Adequacy Requirements, Amount
Capital required for capital adequacy	$ 515,924	$ 461,766
Tier one risk based capital required for capital adequacy	386,943	346,325
Common equity tier one capital required for capital adequacy	290,207	259,744
Tier one leverage capital required for capital adequacy	$ 370,909	$ 350,923
Minimum Capital Adequacy Requirements, Ratio
Capital required for capital adequacy to risk weighted assets	0.080	0.0800
Tier one risk based capital required for capital adequacy to risk weighted assets	0.0600	0.0600
Common equity tier one capital required for capital adequacy to risk weighted assets	0.045	0.0450
Tier one leverage capital required for capital adequacy to average assets	0.0400	0.0400
Minimum Capital Adequacy Requirements With Capital Conservation Buffer, Amount
Capital required for capital adequacy with capital buffer	$ 677,151	$ 606,068
Tier one risk based capital required for capital adequacy with capital buffer	548,170	490,627
Common equity tier one risk based capital required for capital adequacy with capital buffer	451,434	404,046
Tier one leverage capital required for capital adequacy with capital buffer to average assets	$ 370,909	$ 350,923
Minimum Capital Adequacy Requirements With Capital Conservation Buffer, Ratio
Capital required for capital adequacy with capital buffer to risk weighted assets	0.1050	0.1050
Tier one risk based capital required for capital adequacy with capital buffer to risk weighted assets	0.0850	0.0850
Common equity tier one risk based capital requirement for capital adequacy with capital buffer to risk weighted assets	0.0700	0.0700
Tier one leverage capital requirement for capital adequacy with capital buffer to average assets	4.00%	4.00%
Columbia Bank
Actual, Amount
Total capital	$ 962,137	$ 924,959
Tier one capital	898,935	852,897
Common equity tier one capital	898,935	852,897
Tier one leverage capital	$ 898,935	$ 852,897
Ratio, Actual
Capital to risk weighted assets	0.1539	0.1605
Tier one risk based capital to risk weighted assets	0.1438	0.1480
Common equity tier one capital	0.1438	0.1480
Tier one leverage capital to average assets	0.0980	0.0972
Minimum Capital Adequacy Requirements, Amount
Capital required for capital adequacy	$ 500,127	$ 460,944
Tier one risk based capital required for capital adequacy	375,095	345,708
Common equity tier one capital required for capital adequacy	281,322	259,281
Tier one leverage capital required for capital adequacy	$ 366,961	$ 350,815
Minimum Capital Adequacy Requirements, Ratio
Capital required for capital adequacy to risk weighted assets	0.0800	0.0800
Tier one risk based capital required for capital adequacy to risk weighted assets	0.0600	0.0600
Common equity tier one capital required for capital adequacy to risk weighted assets	0.0450	0.0450
Tier one leverage capital required for capital adequacy to average assets	0.0400	0.0400
Minimum Capital Adequacy Requirements With Capital Conservation Buffer, Amount
Capital required for capital adequacy with capital buffer	$ 656,417	$ 604,989
Tier one risk based capital required for capital adequacy with capital buffer	531,385	489,753
Common equity tier one risk based capital required for capital adequacy with capital buffer	437,611	403,326
Tier one leverage capital required for capital adequacy with capital buffer to average assets	$ 366,961	$ 350,815
Minimum Capital Adequacy Requirements With Capital Conservation Buffer, Ratio
Capital required for capital adequacy with capital buffer to risk weighted assets	0.1050	0.1050
Tier one risk based capital required for capital adequacy with capital buffer to risk weighted assets	0.0850	0.0850
Common equity tier one risk based capital requirement for capital adequacy with capital buffer to risk weighted assets	0.0700	0.0700
Tier one leverage capital requirement for capital adequacy with capital buffer to average assets	4.00%	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount
Capital required to be well capitalized, amount	$ 625,159	$ 576,180
Tier one risk based capital required to be well capitalized, amount	500,127	460,944
Common equity tier one capital required to be well-capitalized, amount	406,353	374,517
Tier one leverage capital required to be well capitalized, amount	$ 458,701	$ 438,519
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio
Capital required to be well capitalized to risk weighted assets, ratio	0.1000	0.1000
Tier one risk based capital required to be well capitalized to risk weighted assets, ratio	0.0800	0.0800
Common equity tier one capital required to be well-capitalized to risk weighted assets, ratio	0.0650	0.0650
Tier one leverage capital required to be well capitalized to average assets, ratio	0.0500	0.0500
Freehold Bank
Actual, Amount
Total capital	$ 41,549
Tier one capital	41,537
Common equity tier one capital	41,537
Tier one leverage capital	$ 41,537
Ratio, Actual
Capital to risk weighted assets	0.2287
Tier one risk based capital to risk weighted assets	0.2286
Common equity tier one capital	0.2286
Tier one leverage capital to average assets	0.1371
Minimum Capital Adequacy Requirements, Amount
Capital required for capital adequacy	$ 14,534
Tier one risk based capital required for capital adequacy	10,901
Common equity tier one capital required for capital adequacy	8,176
Tier one leverage capital required for capital adequacy	$ 12,118
Minimum Capital Adequacy Requirements, Ratio
Capital required for capital adequacy to risk weighted assets	0.0800
Tier one risk based capital required for capital adequacy to risk weighted assets	0.0600
Common equity tier one capital required for capital adequacy to risk weighted assets	0.0450
Tier one leverage capital required for capital adequacy to average assets	0.0400
Minimum Capital Adequacy Requirements With Capital Conservation Buffer, Amount
Capital required for capital adequacy with capital buffer	$ 19,076
Tier one risk based capital required for capital adequacy with capital buffer	15,443
Common equity tier one risk based capital required for capital adequacy with capital buffer	12,717
Tier one leverage capital required for capital adequacy with capital buffer to average assets	$ 12,118
Minimum Capital Adequacy Requirements With Capital Conservation Buffer, Ratio
Capital required for capital adequacy with capital buffer to risk weighted assets	0.1050
Tier one risk based capital required for capital adequacy with capital buffer to risk weighted assets	0.0850
Common equity tier one risk based capital requirement for capital adequacy with capital buffer to risk weighted assets	0.0700
Tier one leverage capital requirement for capital adequacy with capital buffer to average assets	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount
Capital required to be well capitalized, amount	$ 18,168
Tier one risk based capital required to be well capitalized, amount	14,534
Common equity tier one capital required to be well-capitalized, amount	11,809
Tier one leverage capital required to be well capitalized, amount	$ 15,147
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio
Capital required to be well capitalized to risk weighted assets, ratio	0.1000
Tier one risk based capital required to be well capitalized to risk weighted assets, ratio	0.0800
Common equity tier one capital required to be well-capitalized to risk weighted assets, ratio	0.0650
Tier one leverage capital required to be well capitalized to average assets, ratio	0.0500

Stockholders' Equity - Narrativ

Stockholders' Equity - Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands	Dec. 06, 2021	Feb. 01, 2021	Sep. 10, 2020	Dec. 05, 2019	Jun. 13, 2019	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Equity [Abstract]
Number of shares authorized to be repurchased (in shares)	5,000,000	5,000,000	5,000,000		4,000,000
Stock repurchase program, percent of common stock	4.60%	4.50%	4.30%		3.50%
Additional shares acquired in stock repurchase program (in shares)				3,000,000
Stock repurchase program, remaining number of shares authorized to be repurchased						4,813,939
Treasury stock, shares purchased (in shares)						6,055,119	7,587,142	3,543,800
Cost method of shares repurchase						$ 107,774	$ 108,166	$ 55,309
Cost method of shares repurchased (in dollars per share)						$ 17.80	$ 14.26	$ 15.61

Employee Benefit Plans - Schedu

Employee Benefit Plans - Schedule of Change in Benefit Obligation and Plan Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Pension Plan
Change in benefit obligation:
Benefit obligation, beginning balance	$ 312,440	$ 263,826
Acquired	0	0
Service cost	8,044	7,985	$ 6,494
Interest cost	7,317	7,608	8,569
Actuarial (gain) loss	(9,023)	40,281
Benefits paid	(8,362)	(7,260)
Benefit obligation, ending balance	310,416	312,440	263,826
Change in plan assets:
Fair value of plan assets, beginning balance	411,907	356,347
Actuarial return on plan assets	53,587	50,820
Employer contributions	35,000	12,000
Benefits paid	(8,362)	(7,260)
Fair value of plan assets, ending balance	492,132	411,907	356,347
Funded status at end of year	181,716	99,467
RIM Plan
Change in benefit obligation:
Benefit obligation, beginning balance	16,530	13,696
Acquired	0	0
Service cost	398	267	210
Interest cost	343	405	466
Actuarial (gain) loss	(1,292)	2,506
Benefits paid	(329)	(344)
Benefit obligation, ending balance	15,650	16,530	13,696
Change in plan assets:
Fair value of plan assets, beginning balance	0	0
Actuarial return on plan assets	0	0
Employer contributions	329	344
Benefits paid	(329)	(344)
Fair value of plan assets, ending balance	0	0	0
Funded status at end of year	(15,650)	(16,530)
Post-retirement Plan
Change in benefit obligation:
Benefit obligation, beginning balance	30,621	24,603
Acquired	0	0
Service cost	520	394	339
Interest cost	562	683	826
Actuarial (gain) loss	(4,805)	5,506
Benefits paid	(563)	(565)
Benefit obligation, ending balance	26,335	30,621	24,603
Change in plan assets:
Fair value of plan assets, beginning balance	0	0
Actuarial return on plan assets	0	0
Employer contributions	563	565
Benefits paid	(563)	(565)
Fair value of plan assets, ending balance	0	0	0
Funded status at end of year	(26,335)	(30,621)
Split-Dollar Life Insurance
Change in benefit obligation:
Benefit obligation, beginning balance	19,981	14,100
Acquired	0	1,981
Service cost	562	467	354
Interest cost	500	507	457
Actuarial (gain) loss	(903)	3,137
Benefits paid	0	(211)
Benefit obligation, ending balance	20,140	19,981	14,100
Change in plan assets:
Fair value of plan assets, beginning balance	0	0
Actuarial return on plan assets	0	0
Employer contributions	0	211
Benefits paid	0	(211)
Fair value of plan assets, ending balance	0	0	$ 0
Funded status at end of year	$ (20,140)	$ (19,981)

Employee Benefit Plans - Narrat

Employee Benefit Plans - Narrative (Details) - USD ($)	1 Months Ended	3 Months Ended	12 Months Ended
	Apr. 30, 2018	Dec. 31, 2019	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan Disclosure [Line Items]
Years of employment benefits are based upon			5 years
Bank-owned life insurance ("BOLI")			$ 247,474,000	$ 232,824,000
Bank-owned life insurance income		$ 5,800,000	5,994,000	6,620,000	$ 5,846,000
Employee stock ownership plan, compensation expense			4,052,000	$ 3,161,000	$ 3,566,000
Options exercised in period, intrinsic value			$ 59,991
Exercises in period (in shares)			28,522	0	0
RIM Plan
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, funded (unfunded) status of plan			$ (15,650,000)	$ (16,530,000)
Defined contribution plan, cost			12,000	4,000	$ 11,000
Employee stock ownership plan, compensation expense			348,000	215,000	267,000
Defined benefit plan, net periodic benefit cost (credit)			1,405,000	1,069,000	920,000
RIM Plan | Roselle Entities
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, net periodic benefit cost (credit)			9,000	11,000
RIM Plan | Freehold Entities
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, net periodic benefit cost (credit)			1,000
Post-retirement Plan
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, funded (unfunded) status of plan			(26,335,000)	(30,621,000)
Defined benefit plan, net periodic benefit cost (credit)			1,695,000	1,386,000	1,312,000
Pension Plan
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, funded (unfunded) status of plan			181,716,000	99,467,000
Defined contribution plan, cost			1,900,000	1,700,000	1,400,000
Defined benefit plan, net periodic benefit cost (credit)			(9,471,000)	(2,880,000)	(2,925,000)
Other Pension, Postretirement and Supplemental Plans | Freehold Entities
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, net periodic benefit cost (credit)			$ 1,000
Defined benefit plan, benefit payment installment period			120 months
Defined benefit plan, annual benefit payment amount			$ 12,000
Postemployment Retirement Benefits | Freehold Entities
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, benefit payment installment period			120 months
Defined benefit plan, percent return on deferrals			10.00%
Liability, defined benefit plan			$ 765,000
Defined benefit plan, expense			$ 0
Maximum
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer matching contribution, percent of match			4.50%
Maximum | Pension Plan
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer matching contribution, percent of match			4.50%
Minimum
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer matching contribution, percent of match			3.00%
Minimum | Pension Plan
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer matching contribution, percent of match			3.00%
Columbia Bank Employee Stock Ownership Plan
Defined Benefit Plan Disclosure [Line Items]
Proceeds from repayments of loans by employee stock ownership plans	$ 45,400,000
Loan term	20 years		20 years
Shares contributed to ESOP (in shares)	4,542,855
Fixed interest rate	4.75%
Employee stock ownership plan, compensation expense			$ 4,100,000	$ 3,200,000	$ 3,600,000

Employee Benefit Plans - Sche_2

Employee Benefit Plans - Schedule of Components of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Pension Plan
Defined Benefit Plan Disclosure [Line Items]
Unrecognized prior service costs	$ 0	$ 0	$ 0
Unrecognized net actuarial income	38,909	76,686	68,752
Total accumulated other comprehensive income	38,909	76,686	68,752
RIM Plan
Defined Benefit Plan Disclosure [Line Items]
Unrecognized prior service costs	0	0	0
Unrecognized net actuarial income	5,730	7,686	5,777
Total accumulated other comprehensive income	5,730	7,686	5,777
Post-retirement Plan
Defined Benefit Plan Disclosure [Line Items]
Unrecognized prior service costs	0	0	0
Unrecognized net actuarial income	6,999	12,417	7,221
Total accumulated other comprehensive income	6,999	12,417	7,221
Split-Dollar Life Insurance
Defined Benefit Plan Disclosure [Line Items]
Unrecognized prior service costs	350	405	461
Unrecognized net actuarial income	7,071	8,741	6,058
Total accumulated other comprehensive income	$ 7,421	$ 9,146	$ 6,519

Employee Benefit Plans - Sche_3

Employee Benefit Plans - Schedule of Net Periodic Benefit Cost (Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Pension Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Service cost	$ 8,044	$ 7,985	$ 6,494
Interest cost	7,317	7,608	8,569
Expected return on plan assets	(26,833)	(23,375)	(21,058)
Amortization of Prior service cost	0	0	0
Amortization of Net loss	2,001	4,902	3,070
Net periodic (income) benefit cost	(9,471)	(2,880)	(2,925)
RIM Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Service cost	398	267	210
Interest cost	343	405	466
Expected return on plan assets	0	0	0
Amortization of Prior service cost	0	0	0
Amortization of Net loss	664	397	244
Net periodic (income) benefit cost	1,405	1,069	920
Post-retirement Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Service cost	520	394	339
Interest cost	562	683	826
Expected return on plan assets	0	0	0
Amortization of Prior service cost	0	0	0
Amortization of Net loss	613	309	147
Net periodic (income) benefit cost	1,695	1,386	1,312
Split-Dollar Life Insurance
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Service cost	562	467	354
Interest cost	500	507	457
Expected return on plan assets	0	0	0
Amortization of Prior service cost	56	56	56
Amortization of Net loss	765	454	247
Net periodic (income) benefit cost	$ 1,883	$ 1,484	$ 1,114

Employee Benefit Plans - Sche_4

Employee Benefit Plans - Schedule of Weighted Average Actuarial Assumptions (Details)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Pension Plan
Defined Benefit Plan Disclosure [Line Items]
Discount rate	3.14%	2.92%	3.49%
Rate of compensation increase	3.75%	3.75%	3.50%
Benefit obligation	2.92%	3.49%	4.57%
Remeasurement rate	3.20%	2.74%	3.85%
Service cost	3.21%	3.66%	4.70%
Remeasurement rate	3.46%	2.97%	4.04%
Interest cost	2.28%	3.12%	4.25%
Remeasurement rate	2.55%	2.22%	3.44%
Expected rate of return on plan assets	6.20%	6.50%	7.00%
Rate of compensation increase	3.75%	3.50%	3.50%
RIM Plan
Defined Benefit Plan Disclosure [Line Items]
Discount rate	2.97%	2.67%	3.33%
Rate of compensation increase	3.75%	3.75%	3.50%
Benefit obligation	2.67%	3.33%	4.47%
Service cost	2.93%	3.46%	4.57%
Interest cost	2.10%	3.00%	4.18%
Rate of compensation increase	3.75%	3.50%	3.50%
Post-retirement Plan
Defined Benefit Plan Disclosure [Line Items]
Discount rate	2.90%	2.59%	3.27%
Benefit obligation	2.59%	3.27%	4.41%
Service cost	2.96%	3.52%	4.60%
Interest cost	1.88%	2.85%	4.05%
Split-Dollar Life Insurance
Defined Benefit Plan Disclosure [Line Items]
Discount rate	3.22%	3.01%	3.54%
Rate of compensation increase	3.75%	3.75%	3.50%
Benefit obligation	3.01%	3.54%	4.63%
Service cost	3.26%	3.71%	4.74%
Interest cost	2.53%	3.28%	4.39%
Rate of compensation increase	3.75%	3.50%	3.50%

Employee Benefit Plans - Sche_5

Employee Benefit Plans - Schedule of Estimated Future Benefit Payments (Details) $ in Thousands	Dec. 31, 2021USD ($)
Pension Plan
Defined Benefit Plan Disclosure [Line Items]
2022	$ 9,026
2023	10,502
2024	11,224
2025	11,855
2026	12,497
2027 - 2031	71,132
RIM Plan
Defined Benefit Plan Disclosure [Line Items]
2022	399
2023	496
2024	634
2025	736
2026	780
2027 - 2031	4,267
Post-retirement Plan
Defined Benefit Plan Disclosure [Line Items]
2022	1,354
2023	1,379
2024	1,442
2025	1,503
2026	1,554
2027 - 2031	7,840
Split-Dollar Life Insurance
Defined Benefit Plan Disclosure [Line Items]
2022	313
2023	365
2024	413
2025	458
2026	512
2027 - 2031	$ 2,695

Employee Benefit Plans - Sche_6

Employee Benefit Plans - Schedule of Weighted Average and Target Allocations of Pension Assets (Details) - Pension Plan	Dec. 31, 2021	Dec. 31, 2020
Defined Benefit Plan Disclosure [Line Items]
Weighted average assets allocations, percentage	100.00%	100.00%
Domestic equities
Defined Benefit Plan Disclosure [Line Items]
Weighted average assets allocations, percentage	44.20%	44.10%
Foreign equities
Defined Benefit Plan Disclosure [Line Items]
Weighted average assets allocations, percentage	12.20%	13.40%
Fixed income
Defined Benefit Plan Disclosure [Line Items]
Weighted average assets allocations, percentage	40.70%	37.80%
Commingled real estate funds
Defined Benefit Plan Disclosure [Line Items]
Weighted average assets allocations, percentage	2.40%	4.40%
Money market mutual funds
Defined Benefit Plan Disclosure [Line Items]
Weighted average assets allocations, percentage	0.50%	0.30%
Minimum | Equities
Defined Benefit Plan Disclosure [Line Items]
Plan assets, target allocation, percent	40.00%
Minimum | Fixed income
Defined Benefit Plan Disclosure [Line Items]
Plan assets, target allocation, percent	40.00%
Minimum | Commingled real estate funds
Defined Benefit Plan Disclosure [Line Items]
Plan assets, target allocation, percent	0.00%
Minimum | Money market mutual funds
Defined Benefit Plan Disclosure [Line Items]
Plan assets, target allocation, percent	0.00%
Maximum | Equities
Defined Benefit Plan Disclosure [Line Items]
Plan assets, target allocation, percent	60.00%
Maximum | Fixed income
Defined Benefit Plan Disclosure [Line Items]
Plan assets, target allocation, percent	60.00%
Maximum | Commingled real estate funds
Defined Benefit Plan Disclosure [Line Items]
Plan assets, target allocation, percent	10.00%
Maximum | Money market mutual funds
Defined Benefit Plan Disclosure [Line Items]
Plan assets, target allocation, percent	15.00%

Employee Benefit Plans - Sche_7

Employee Benefit Plans - Schedule of Fair Value of Plan Assets (Details) - Pension Plan - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	$ 492,132	$ 411,907	$ 356,347
Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	480,418	393,948
Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	11,714	17,959
Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Money market mutual funds
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	2,537	1,434
Money market mutual funds | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	2,537	1,434
Money market mutual funds | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Money market mutual funds | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Mutual funds - value stock fund
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	36,477	29,914
Mutual funds - value stock fund | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	36,477	29,914
Mutual funds - value stock fund | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Mutual funds - value stock fund | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Mutual funds - fixed income
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	200,349	155,864
Mutual funds - fixed income | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	200,349	155,864
Mutual funds - fixed income | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Mutual funds - fixed income | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Mutual funds - international stock
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	60,042	55,300
Mutual funds - international stock | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	60,042	55,300
Mutual funds - international stock | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Mutual funds - international stock | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Mutual funds - institutional stock index
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	181,013	151,436
Mutual funds - institutional stock index | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	181,013	151,436
Mutual funds - institutional stock index | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Mutual funds - institutional stock index | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Commingled real estate funds
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	11,714	17,959
Commingled real estate funds | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Commingled real estate funds | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	11,714	17,959
Commingled real estate funds | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	$ 0	$ 0

Employee Benefit Plans - Sche_8

Employee Benefit Plans - Schedule of Employee Stock Ownership Plan (Details) - USD ($) shares in Thousands, $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Retirement Benefits [Abstract]
Allocated shares (in shares)	802	606
Unearned shares (in shares)	3,702	3,929
Total ESOP shares (in shares)	4,504	4,535
Fair value of unearned ESOP shares	$ 77,226	$ 61,139

Employee Benefit Plans - Stock

Employee Benefit Plans - Stock Based Compensation Narrative (Details) - USD ($) $ / shares in Units, $ in Millions	Mar. 22, 2021	Dec. 14, 2020	Dec. 16, 2019	Jul. 23, 2019	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Jun. 06, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)								7,949,996
Grants in period (in shares)	109,654		184,378	3,707,901	109,654
Grants in period (in dollars per share)	$ 4.91		$ 4.59	$ 4.25
Grants in period (in dollars per share)	$ 17.86		$ 17	$ 15.60	$ 17.86
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)								2,271,427
Equity instruments other than options, grants in period (in shares)	50,203	33,160	74,673	1,389,570	50,203	33,160
Equity instruments other than options, grants in period (in dollars per share)	$ 17.86	$ 15.08	$ 17	$ 15.60	$ 17.86	$ 15.08
Share-based payment expense					$ 5.7	$ 5.6	$ 2.3
Equity instrument other than options, nonvested (in shares)					1,054,335	1,263,169	1,420,012
Nonvested award, excluding option, cost not yet recognized					$ 8.7
Cost not yet recognized, period for recognition					1 year 10 months 24 days
Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)								5,678,569
Award vesting period (in years)	3 years		5 years	5 years
Share-based payment expense					$ 3.2	$ 3.2	$ 1.4
Equity instrument other than options, nonvested (in shares)					2,210,231
Nonvested award, excluding option, cost not yet recognized					$ 8.1
Cost not yet recognized, period for recognition					2 years 7 months 6 days
Expiration period (in years)	10 years		10 years	10 years
Expected term	6 years		6 years 6 months	6 years 6 months
Risk free interest rate	1.11%		1.79%	1.90%
Expected volatility rate	25.98%		22.23%	22.12%
Expected dividend rate	0.00%		0.00%	0.00%
Minimum | Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period (in years)					1 year
Maximum | Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period (in years)					5 years
Share-based Payment Arrangement, Tranche One | Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period (in years)					1 year
Share-based Payment Arrangement, Tranche One | Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period (in years)	1 year		1 year	1 year

Employee Benefit Plans - Restri

Employee Benefit Plans - Restricted Stock Activity (Details) - Restricted Stock - $ / shares	Mar. 22, 2021	Dec. 14, 2020	Dec. 16, 2019	Jul. 23, 2019	Dec. 31, 2021	Dec. 31, 2020
Number of Restricted Shares
Beginning balance (in shares)					1,263,169	1,420,012
Granted (in shares)	50,203	33,160	74,673	1,389,570	50,203	33,160
Vested (in shares)					(193,528)	(172,756)
Forfeited (in shares)					(65,509)	(17,247)
Ending balance (in shares)					1,054,335	1,263,169
Weighted Average Grant Date Fair Value
Beginning balance (in dollars per share)					$ 15.66	$ 15.67
Granted (in dollars per share)	$ 17.86	$ 15.08	$ 17	$ 15.60	17.86	15.08
Vested (in dollars per share)					15.58	15.66
Forfeited (in dollars per share)					15.62	16.02
Ending balance (in dollars per share)					$ 15.78	$ 15.66

Employee Benefit Plans - Stoc_2

Employee Benefit Plans - Stock Option Activity (Details) - USD ($)	Mar. 22, 2021	Dec. 16, 2019	Jul. 23, 2019	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Number of Stock Options
Beginning balance (in shares)				3,708,628	3,784,044
Granted (in shares)	109,654	184,378	3,707,901	109,654
Exercised (in shares)				(28,522)	0	0
Expired (in shares)				(20,894)	(10,457)
Forfeited (in shares)				(131,324)	(64,959)
Ending balance (in shares)				3,637,542	3,708,628	3,784,044
Options exercisable (in shares)				1,427,311
Weighted Average Exercise Price
Beginning balance (in dollars per share)				$ 15.66	$ 15.67
Granted (in dollars per share)	$ 17.86	$ 17	$ 15.60	17.86
Exercised (in dollars per share)				15.60
Expired (in dollars per share)				15.60	15.98
Forfeited (in dollars per share)				15.66	15.84
Ending balance (in dollars per share)				15.78	$ 15.66	$ 15.67
Options exercisable (in dollars per share)				$ 15.67
Weighted Average Remaining Contractual Term (in years)
Outstanding				7 years 7 months 6 days	8 years 7 months 6 days	9 years 7 months 6 days
Options exercisable				7 years 6 months
Aggregate Intrinsic Value
Outstanding				$ 18,654,905		$ 4,812,490
Options exercisable				$ 7,412,277

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Contingency [Line Items]
Deferred income tax expense (benefit), related to unrealized gain (losses) on available-for-sale securities	$ 8,000	$ (5,600)	$ (5,500)
Reclassification adjustment of actuarial net (loss) gain included in net income	1,100	900	779
Deferred tax expense	17,709	9,738	7,527
Included in retained earnings, no provision for income tax	21,500	21,500
Valuation allowance	1,965	2,002
Operating loss carryforwards	116,100	108,400
Freehold, Roselle, And Stewardship Acquisitions
Income Tax Contingency [Line Items]
Deferred tax expense	1,500	5,400	$ 2,300
Roselle Entities
Income Tax Contingency [Line Items]
Operating loss carryforwards	9,900	11,900
New Jersey Division of Taxation
Income Tax Contingency [Line Items]
Tax credit carryforward, amount	$ 2,200	$ 2,200

Income Taxes - Schedule of Inco

Income Taxes - Schedule of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Current:
Federal	$ 12,443	$ 5,072	$ 5,933
State	3,980	3,844	2,905
Total current	16,423	8,916	8,838
Deferred:
Federal	12,594	9,847	8,275
State	5,115	(109)	(748)
Total deferred	17,709	9,738	7,527
Total income tax expense	$ 34,132	$ 18,654	$ 16,365

Income Taxes - Schedule of Effe

Income Taxes - Schedule of Effective Tax Rate Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Tax expense at applicable statutory rate	$ 26,498	$ 16,013	$ 14,927
Increase (decrease) in taxes resulting from:
State tax, net of federal income tax benefit	7,185	2,951	1,704
ESOP fair market value adjustment	375	187	272
Tax exempt interest income	(15)	(11)	(6)
Income from Bank-owned life insurance	(863)	(1,075)	(1,246)
Dividend received deduction	(14)	(9)	(8)
Non-deductible merger-related expenses	53	42	222
Non-deductible compensation expense	0	0	398
Other, net	913	556	102
Total income tax expense	$ 34,132	$ 18,654	$ 16,365

Income Taxes - Schedule of Defe

Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deferred tax assets:
Allowance for loan losses	$ 17,486	$ 20,878
Post-retirement benefits	5,974	5,544
Deferred compensation	3,519	2,779
Retirement Income Maintenance plan	2,767	2,471
ESOP	810	624
Stock-based compensation	2,288	1,699
Reserve for uncollected interest	28	126
Net unrealized losses on debt securities and defined benefit plans	17,809	18,511
Federal and State NOLs	9,667	9,719
Alternative minimum assessment carryforwards	2,156	2,156
Charitable contribution carryforward	4,529	6,359
Purchase accounting	1,551	1,024
Lease liability	5,462	5,609
Other items	4,077	3,215
Gross deferred tax assets	78,123	80,714
Valuation allowance	(1,965)	(2,002)
Total deferred tax assets, net	76,158	78,712
Deferred tax liabilities:
Pension expense	61,530	49,225
Depreciation	6,655	6,118
Deferred loan costs	10,630	8,555
Intangible assets	1,594	1,597
Lease right-of-use asset	5,191	5,317
Other items	307	716
Total gross deferred tax liabilities	85,907	71,528
Net deferred tax (liability) asset		$ 7,184
Net deferred tax (liability) asset	$ (9,749)

Financial Transactions with O_3

Financial Transactions with Off-Balance-Sheet Risk and Concentrations of Credit Risk - Schedule of Loan Commitments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Concentration Risk [Line Items]
Loan commitments	$ 284,942	$ 282,198
Residential real estate
Concentration Risk [Line Items]
Loan commitments	115,998	149,847
Multifamily and commercial
Concentration Risk [Line Items]
Loan commitments	73,948	98,910
Commercial business loans
Concentration Risk [Line Items]
Loan commitments	27,773	16,842
Construction
Concentration Risk [Line Items]
Loan commitments	58,069	13,335
Home equity loans and advances
Concentration Risk [Line Items]
Loan commitments	$ 9,154	$ 3,264

Financial Transactions with O_4

Financial Transactions with Off-Balance-Sheet Risk and Concentrations of Credit Risk - Narrative (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Loss Contingencies [Line Items]
Derivative (liabilities), at fair value, net	$ (7,900,000)	$ (23,000,000)
Disposal Group, Held-for-sale, Not Discontinued Operations
Loss Contingencies [Line Items]
Fair value disclosure, off-balance sheet risk, amount, liability	0
Unused lines of Credit
Loss Contingencies [Line Items]
Fair value disclosure, off-balance sheet risk, amount, liability	899,200,000	894,500,000
Mortgages
Loss Contingencies [Line Items]
Fair value disclosure, off-balance sheet risk, amount, liability	0
Letter of Credit
Loss Contingencies [Line Items]
Fair value disclosure, off-balance sheet risk, amount, liability	12,900,000	$ 9,400,000
Letter of Credit | New Jersey Governmental Unit Deposit Protection Act
Loss Contingencies [Line Items]
Fair value disclosure, off-balance sheet risk, amount, liability	$ 600,000

Fair Value Measurements - Asset

Fair Value Measurements - Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	$ 1,703,847	$ 1,316,952
Equity securities, at fair value	2,710	5,418
U.S. government and agency obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	34,879	25,549
Mortgage-backed securities and collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	1,554,359	1,200,394
Municipal obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	4,179	16,862
Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	110,430	69,477
Trust preferred securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value		4,670
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	34,879	25,549
Equity securities, at fair value	2,364	5,072
Derivative assets	0	0
Derivative liabilities	0	0
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	1,668,968	1,291,403
Equity securities, at fair value	346	268
Derivative assets	9,492	19,425
Derivative liabilities	17,366	42,384
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	0	0
Equity securities, at fair value		0
Derivative assets	0	0
Derivative liabilities	0	0
Measured on recurring basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	1,703,847	1,316,952
Equity securities, at fair value	2,710	5,418
Derivative assets	9,492	19,425
Assets	1,716,049	1,341,795
Derivative liabilities	17,366	42,384
Measured on recurring basis | U.S. government and agency obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	34,879	25,549
Measured on recurring basis | Mortgage-backed securities and collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	1,554,359	1,200,394
Measured on recurring basis | Municipal obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	4,179	16,862
Measured on recurring basis | Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	110,430	69,477
Measured on recurring basis | Trust preferred securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value		4,670
Measured on recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	34,879	25,549
Equity securities, at fair value	2,364	5,072
Derivative assets	0	0
Assets	37,243	30,621
Derivative liabilities	0	0
Measured on recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. government and agency obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	34,879	25,549
Measured on recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage-backed securities and collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	0	0
Measured on recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Municipal obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	0	0
Measured on recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	0	0
Measured on recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Trust preferred securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value		0
Measured on recurring basis | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	1,668,968	1,291,403
Equity securities, at fair value	346	346
Derivative assets	9,492	19,425
Assets	1,678,806	1,311,174
Derivative liabilities	17,366	42,384
Measured on recurring basis | Significant Other Observable Inputs (Level 2) | U.S. government and agency obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	0	0
Measured on recurring basis | Significant Other Observable Inputs (Level 2) | Mortgage-backed securities and collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	1,554,359	1,200,394
Measured on recurring basis | Significant Other Observable Inputs (Level 2) | Municipal obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	4,179	16,862
Measured on recurring basis | Significant Other Observable Inputs (Level 2) | Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	110,430	69,477
Measured on recurring basis | Significant Other Observable Inputs (Level 2) | Trust preferred securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value		4,670
Measured on recurring basis | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	0	0
Equity securities, at fair value	0	0
Derivative assets	0	0
Assets	0	0
Derivative liabilities	0	0
Measured on recurring basis | Significant Unobservable Inputs (Level 3) | U.S. government and agency obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	0	0
Measured on recurring basis | Significant Unobservable Inputs (Level 3) | Mortgage-backed securities and collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	0	0
Measured on recurring basis | Significant Unobservable Inputs (Level 3) | Municipal obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	0	0
Measured on recurring basis | Significant Unobservable Inputs (Level 3) | Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	$ 0	0
Measured on recurring basis | Significant Unobservable Inputs (Level 3) | Trust preferred securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value		$ 0

Fair Value Measurements - Narra

Fair Value Measurements - Narrative (Details)	12 Months Ended
	Dec. 31, 2021
Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Adjustments for estimated costs to sell collateral dependent impaired loans	6.00%
Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Adjustments for estimated costs to sell collateral dependent impaired loans	8.00%

Fair Value Measurements - Ass_2

Fair Value Measurements - Assets and Liabilities Measured on Non-Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held-for-sale, at fair value	$ 0	$ 0
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held-for-sale, at fair value	0	0
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held-for-sale, at fair value	6,457,766	6,394,524
Measured on non-recurring basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held-for-sale, at fair value	1,213
Mortgage servicing rights	1,906	1,338
Assets	3,119	1,338
Measured on non-recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held-for-sale, at fair value	0
Mortgage servicing rights	0	0
Assets	0	0
Measured on non-recurring basis | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held-for-sale, at fair value	0
Mortgage servicing rights	0	0
Assets	0	0
Measured on non-recurring basis | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held-for-sale, at fair value	1,213
Mortgage servicing rights	1,906	1,338
Assets	$ 3,119	$ 1,338

Fair Value Measurements - Quali

Fair Value Measurements - Qualitative Valuation (Details) $ in Thousands	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Measured on non-recurring basis
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Loans held-for-sale, at fair value	$ 1,213
Mortgage servicing rights	1,906	$ 1,338
Significant Unobservable Inputs (Level 3)
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Loans held-for-sale, at fair value	6,457,766	6,394,524
Significant Unobservable Inputs (Level 3) | Measured on non-recurring basis
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Loans held-for-sale, at fair value	1,213
Mortgage servicing rights	$ 1,906	$ 1,338
Significant Unobservable Inputs (Level 3) | Discount Rate | Measured on non-recurring basis | Estimated Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Impaired financing receivable, measurement input	0
Significant Unobservable Inputs (Level 3) | Discount Rate | Measured on non-recurring basis | Weighted Average | Estimated Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Impaired financing receivable, measurement input	0
Servicing asset, measurement input	0.1025
Significant Unobservable Inputs (Level 3) | Prepayments Speeds and Discount Rates | Measured on non-recurring basis | Minimum | Estimated Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Servicing asset, measurement input	0.075	0.097
Significant Unobservable Inputs (Level 3) | Prepayments Speeds and Discount Rates | Measured on non-recurring basis | Maximum | Estimated Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Servicing asset, measurement input	0.249	0.262
Significant Unobservable Inputs (Level 3) | Prepayments Speeds and Discount Rates | Measured on non-recurring basis | Weighted Average | Estimated Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Servicing asset, measurement input	0.127	0.167

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value on Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financial assets:
Debt securities available for sale, at fair value	$ 1,703,847	$ 1,316,952
Debt securities held to maturity	434,789	277,091
Equity securities, at fair value	2,710	5,418
Quoted Prices in Active Markets for Identical Assets (Level 1)
Financial assets:
Cash and cash equivalents	70,963	422,957
Debt securities available for sale, at fair value	34,879	25,549
Debt securities held to maturity	0	5,001
Equity securities, at fair value	2,364	5,072
Federal Home Loan Bank stock	0	0
Loans receivable, net	0	0
Derivative assets	0	0
Financial liabilities:
Deposits	0	0
Borrowings	0	0
Derivative liabilities	0	0
Significant Other Observable Inputs (Level 2)
Financial assets:
Cash and cash equivalents	0	0
Debt securities available for sale, at fair value	1,668,968	1,291,403
Debt securities held to maturity	434,789	272,090
Equity securities, at fair value	346	268
Federal Home Loan Bank stock	23,141	43,759
Loans receivable, net	0	0
Derivative assets	9,492	19,425
Financial liabilities:
Deposits	7,564,210	6,793,034
Borrowings	378,810	808,853
Derivative liabilities	17,366	42,384
Significant Unobservable Inputs (Level 3)
Financial assets:
Cash and cash equivalents	0	0
Debt securities available for sale, at fair value	0	0
Debt securities held to maturity	0	0
Equity securities, at fair value		0
Federal Home Loan Bank stock	0	0
Loans receivable, net	6,457,766	6,394,524
Derivative assets	0	0
Financial liabilities:
Deposits	0	0
Borrowings	0	0
Derivative liabilities	0	0
Carrying Value
Financial assets:
Cash and cash equivalents	70,963	422,957
Debt securities available for sale, at fair value	1,703,847	1,316,952
Debt securities held to maturity	429,734	262,720
Equity securities, at fair value	2,710	5,418
Federal Home Loan Bank stock	23,141	43,759
Loans receivable, net	6,297,912	6,107,094
Derivative assets	9,492	19,425
Financial liabilities:
Deposits	7,570,216	6,778,624
Borrowings	377,309	799,364
Derivative liabilities	17,366	42,384
Total Fair Value
Financial assets:
Cash and cash equivalents	70,963	422,957
Debt securities available for sale, at fair value	1,703,847	1,316,952
Debt securities held to maturity	434,789	277,091
Equity securities, at fair value	2,710	2,855
Federal Home Loan Bank stock	23,141	43,759
Loans receivable, net	6,457,766	6,394,524
Derivative assets	9,492	19,425
Financial liabilities:
Deposits	7,564,210	6,793,034
Borrowings	378,810	808,853
Derivative liabilities	$ 17,366	$ 42,384

Earnings per Share (Details)

Earnings per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Earnings Per Share [Abstract]
Net income	$ 92,049	$ 57,603	$ 54,717
Shares:
Weighted average shares outstanding - basic (in shares)	104,156,112	109,755,924	111,101,246
Weighted average dilutive shares outstanding (in shares)	0	0	0
Weighted average shares outstanding - diluted (in shares)	104,156,112	109,755,924	111,101,246
Earnings per share:
Basic (in dollars per share)	$ 0.88	$ 0.52	$ 0.49
Diluted (in dollars per share)	$ 0.88	$ 0.52	$ 0.49

Earnings per Share - Narrative

Earnings per Share - Narrative (Details) - shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)	3,726,249	3,757,530	2,184,191

Parent-only Financial Informa_3

Parent-only Financial Information - Statement of Financial Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 70,702	$ 422,787
Short-term investments	261	170
Total cash and cash equivalents	70,963	422,957
Equity securities, at fair value	2,710	5,418
Other assets	249,615	209,852
Total assets	9,224,097	8,798,536
Liabilities:
Balance	377,309	799,364
Accrued expenses and other liabilities	161,020	176,691
Total liabilities	8,145,016	7,787,249
Stockholders' equity	1,079,081	1,011,287	$ 982,517	$ 972,060
Total liabilities and stockholders' equity	9,224,097	8,798,536
Parent Company
Assets
Cash and due from banks	77,077	94,053
Short-term investments	261	170
Total cash and cash equivalents	77,338	94,223
Equity securities, at fair value	216	1,167
Investment in subsidiaries	981,922	873,629
Loans receivable, net	39,862	41,461
Other assets	15,608	9,803
Total assets	1,114,946	1,020,283
Liabilities:
Balance	36,815	6,953
Accrued expenses and other liabilities	2,301	2,043
Total liabilities	39,116	8,996
Stockholders' equity	1,075,830	1,011,287
Total liabilities and stockholders' equity	$ 1,114,946	$ 1,020,283

Parent-only Financial Informa_4

Parent-only Financial Information - Statement of Income and Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest income:
Loans receivable	$ 228,841	$ 255,236	$ 217,774
Unrealized (loss) gain on debt securities available for sale	(30,979)	21,236	21,067
Interest expense on borrowings	7,907	18,892	27,161
Net interest income	233,134	221,573	172,371
Non-interest income:
Gain on securities transactions	2,025	370	2,612
Gain on sale of loans	10,790	5,444	785
Other non-interest income	8,940	6,983	5,922
Total non-interest income (loss)	38,831	31,270	31,636
Non-interest expense:
Merger-related expenses	822	1,931	2,755
Other non-interest expense	8,867	14,556	6,100
Total non-interest expense	155,737	158,139	128,701
Income tax (benefit)	(34,132)	(18,654)	(16,365)
Net income	92,049	57,603	54,717
Other comprehensive loss	23,706	(890)	3,710
Total comprehensive income, net of tax	115,755	56,713	58,427
Parent Company
Condensed Financial Statements, Captions [Line Items]
Dividends from subsidiary	65,000	50,000	179,000
Interest income:
Loans receivable	1,969	2,047	2,111
Unrealized (loss) gain on debt securities available for sale	43	51	51
Interest-earning deposits	0	1	173
Total interest income	67,012	52,099	181,335
Interest expense on borrowings	427	863	176
Net interest income	66,585	51,236	181,159
Equity earnings (loss) in subsidiaries	27,652	8,027	(123,142)
Non-interest income:
Gain on securities transactions	383	2	236
Gain on sale of loans	(35)	(115)	65
Other non-interest income	0	0	139
Total non-interest income (loss)	348	(113)	440
Non-interest expense:
Merger-related expenses	546	280	1,807
Other non-interest expense	2,203	1,377	1,955
Total non-interest expense	2,749	1,657	3,762
Income before income tax expense	91,836	57,493	54,695
Income tax (benefit)	(213)	110	22
Net income	92,049	57,603	54,717
Other comprehensive loss	23,706	(890)	3,710
Total comprehensive income, net of tax	$ 115,755	$ 56,713	$ 58,427

Parent-only Financial Informa_5

Parent-only Financial Information - Statement of Cash Flows (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities:
Net income	$ 92,049,000	$ 57,603,000	$ 54,717,000
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of intangible assets	1,025,000	1,048,000	222,000
Gain on securities transactions	(2,025,000)	(370,000)	(2,612,000)
Change in fair value of equity securities	1,792,000	(767,000)	(305,000)
Deferred tax expense	17,709,000	9,738,000	7,527,000
(Increase) in other assets	(22,159,000)	(75,127,000)	(51,856,000)
(Decrease) increase in accrued expenses and other liabilities	1,926,000	32,891,000	3,032,000
Net cash provided by operating activities	98,704,000	49,044,000	21,824,000
Cash flows from investing activities:
Proceeds from sales of equity securities	1,390,000	0	1,065,000
Proceeds from paydown/maturities/calls of debt securities available for sale	368,249,000	247,908,000	149,683,000
Purchases of equity securities	(91,000)	0	(416,000)
Repayment of loan receivable from Columbia Bank	0	35,613,000	11,671,000
Net cash acquired in acquisitions	20,417,000	155,248,000	(31,288,000)
Net cash (used in) provided by investing activities	(443,605,000)	257,645,000	(521,014,000)
Cash flows from financing activities:
Payments of subordinated debt and trust preferred securities	0	(16,600,000)	0
Proceeds from term note	29,841,000	0	0
Purchase of treasury stock	(107,774,000)	(108,166,000)	(55,309,000)
Exercise of options	(25,000)	0	0
Restricted stock forfeitures	0	(24,000)	(736,000)
Repurchase of shares for taxes	(357,000)	(174,000)	0
Issuance of treasury stock allocated to restricted stock award grants	0	0	1,095,000
Net cash (used in) provided by financing activities	(7,093,000)	40,721,000	532,536,000
Net (decrease) increase in cash and cash equivalents	(351,994,000)	347,410,000	33,346,000
Cash and cash equivalents at beginning of year	422,957,000	75,547,000	42,201,000
Cash and cash equivalents at end of year	70,963,000	422,957,000	75,547,000
Non-cash assets acquired:
Equity securities	0	1,796,000	1,073,000
Other assets	616,000	7,964,000	4,301,000
Total non-cash assets acquired	296,081,000	271,958,000	856,640,000
Liabilities assumed:
Borrowings	59,908,000	37,728,000	82,761,000
Total liabilities assumed	275,342,000	377,344,000	880,399,000
Net non-cash assets acquired (liabilities assumed)	20,739,000	(105,386,000)	(23,759,000)
Net cash and cash equivalents acquired in acquisitions	20,417,000	155,248,000	105,006,000
Parent Company
Cash flows from operating activities:
Net income	92,049,000	57,603,000	54,717,000
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of intangible assets	21,000	(278,000)	(71,000)
Gain on securities transactions	(383,000)	(2,000)	(236,000)
Change in fair value of equity securities	35,000	115,000	(65,000)
Deferred tax expense	1,830,000	1,411,000	1,453,000
(Increase) in other assets	(7,721,000)	(2,675,000)	(2,026,000)
(Decrease) increase in accrued expenses and other liabilities	691,000	(647,000)	3,515,000
Equity in undistributed (earnings) loss of subsidiaries	(27,652,000)	(8,027,000)	123,142,000
Net cash provided by operating activities	58,870,000	47,500,000	180,429,000
Cash flows from investing activities:
Proceeds from sales of equity securities	1,390,000	0	1,065,000
Proceeds from paydown/maturities/calls of debt securities available for sale	0	1,498,000	500,000
Purchases of equity securities	(91,000)	0	(416,000)
Repayment of loan receivable from Columbia Bank	1,599,000	1,521,000	1,457,000
Net cash acquired in acquisitions	0	0	(135,410,000)
Net cash (used in) provided by investing activities	2,898,000	3,019,000	(132,804,000)
Cash flows from financing activities:
Payments of subordinated debt and trust preferred securities	0	(16,600,000)	0
Proceeds from term note	29,841,000	0	0
Purchase of treasury stock	(107,774,000)	(108,166,000)	(55,309,000)
Exercise of options	(25,000)	0	0
Issuance of common stock allocated to restricted stock award grants	0	0	21,687,000
Restricted stock forfeitures	(1,234,000)	(199,000)	(736,000)
Repurchase of shares for taxes	(357,000)	(181,000)	0
Issuance of treasury stock allocated to restricted stock award grants	896,000	481,000	1,269,000
Net cash (used in) provided by financing activities	(78,653,000)	(124,665,000)	(33,089,000)
Net (decrease) increase in cash and cash equivalents	(16,885,000)	(74,146,000)	14,536,000
Cash and cash equivalents at beginning of year	94,223,000	168,369,000	153,833,000
Cash and cash equivalents at end of year	77,338,000	94,223,000	168,369,000
Non-cash assets acquired:
Debt securities available for sale	0	0	1,998,000
Equity securities	0	0	208,000
Other assets	0	0	1,492,000
Total non-cash assets acquired	0	0	3,698,000
Liabilities assumed:
Borrowings	0	0	23,901,000
Total liabilities assumed	0	0	23,901,000
Net non-cash assets acquired (liabilities assumed)	0	0	(20,203,000)
Net cash and cash equivalents acquired in acquisitions	$ 0	$ 0	$ 884,000

Other Comprehensive Income (L_3

Other Comprehensive Income (Loss) - Tax effects of components in other comprehensive income (loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Before Tax
Other comprehensive income (loss)	$ 24,411	$ (1,122)	$ 4,690
Tax Effect
Other comprehensive income (loss)	(705)	232	(980)
After Tax
Total other comprehensive income (loss)	23,706	(890)	3,710
Unrealized Gains on Debt Securities Available for Sale
Before Tax
Other comprehensive income (loss), before reclassifications	(39,000)	26,876	26,601
Other comprehensive income (loss)	(37,003)	27,406	29,224
Tax Effect
Other comprehensive income (loss), before reclassifications	8,021	(5,640)	(5,534)
Other comprehensive income (loss)	7,619	(5,755)	(6,137)
After Tax
Other comprehensive income (loss), before reclassifications	(30,979)	21,236	21,067
Total other comprehensive income (loss)	(29,384)	21,651	23,087
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Accretion Of Unrealized Gains (Losses), Parent
Before Tax
Reclassification from AOCI, current period	(28)	160	11
Tax Effect
Reclassification from AOCI, current period	25	(34)	(2)
After Tax
Reclassification from AOCI, current period	(3)	126	9
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Other Reclassifications, Parent
Before Tax
Reclassification from AOCI, current period	2,025	370	2,612
Tax Effect
Reclassification from AOCI, current period	(427)	(81)	(601)
After Tax
Reclassification from AOCI, current period	1,598	289	2,011
Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent
Before Tax
Other comprehensive income (loss), before reclassifications	14,514	(10,605)	(8,193)
Tax Effect
Other comprehensive income (loss), before reclassifications	(2,575)	2,223	1,725
After Tax
Other comprehensive income (loss), before reclassifications	11,939	(8,382)	(6,468)
Accumulated Defined Benefit Plans Adjustment, Net Prior Service Attributable to Parent
Before Tax
Reclassification from AOCI, current period	(55)	(56)	(56)
Tax Effect
Reclassification from AOCI, current period	16	12	12
After Tax
Reclassification from AOCI, current period	(39)	(44)	(44)
Accumulated Defined Benefit Plans Adjustment, Net Gain (Loss) Attributable to Parent
Before Tax
Reclassification from AOCI, current period	(4,044)	(4,284)	(3,709)
Tax Effect
Reclassification from AOCI, current period	1,129	900	779
After Tax
Reclassification from AOCI, current period	(2,915)	(3,384)	(2,930)
Accumulated Defined Benefit Plans Adjustment Attributable to Parent
Before Tax
Other comprehensive income (loss), before reclassifications	50,999	(13,583)	(12,576)
Other comprehensive income (loss)	46,900	(17,923)	(16,341)
Tax Effect
Other comprehensive income (loss), before reclassifications	(6,894)	2,852	2,641
Other comprehensive income (loss)	(5,749)	3,764	3,432
After Tax
Other comprehensive income (loss), before reclassifications	44,105	(10,731)	(9,935)
Total other comprehensive income (loss)	$ 41,151	$ (14,159)	$ (12,909)

Other Comprehensive Income (L_4

Other Comprehensive Income (Loss) - Changes in components of other comprehensive income (loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	$ 1,011,287	$ 982,517	$ 972,060
Current period changes in other comprehensive income (loss)	23,706	(890)	3,710
Balance at end of year	1,079,081	1,011,287	982,517
Cumulative Effect, Period of Adoption, Adjustment
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			0
Cumulative Effect, Period of Adoption, Adjusted Balance
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			972,060
Accumulated Other Comprehensive (Loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(69,625)	(68,735)	(71,897)
Current period changes in other comprehensive income (loss)	23,706	(890)	3,710
Balance at end of year	(45,919)	(69,625)	(68,735)
Accumulated Other Comprehensive (Loss) | Cumulative Effect, Period of Adoption, Adjustment
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			(548)
Accumulated Other Comprehensive (Loss) | Cumulative Effect, Period of Adoption, Adjusted Balance
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			(72,445)
Unrealized Gains on Debt Securities Available for Sale
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	31,028	9,377	(13,162)
Current period changes in other comprehensive income (loss)	(29,384)	21,651	23,087
Balance at end of year	1,644	31,028	9,377
Unrealized Gains on Debt Securities Available for Sale | Cumulative Effect, Period of Adoption, Adjustment
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			(548)
Unrealized Gains on Debt Securities Available for Sale | Cumulative Effect, Period of Adoption, Adjusted Balance
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			(13,710)
Unrealized (Losses) on Swaps
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(16,856)	(8,474)	(2,006)
Current period changes in other comprehensive income (loss)	11,939	(8,382)	(6,468)
Balance at end of year	(4,917)	(16,856)	(8,474)
Unrealized (Losses) on Swaps | Cumulative Effect, Period of Adoption, Adjusted Balance
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			(2,006)
Employee Benefit Plans
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(83,797)	(69,638)	(56,729)
Current period changes in other comprehensive income (loss)	41,151	(14,159)	(12,909)
Balance at end of year	$ (42,646)	$ (83,797)	(69,638)
Employee Benefit Plans | Cumulative Effect, Period of Adoption, Adjusted Balance
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			$ (56,729)

Other Comprehensive Income (L_5

Other Comprehensive Income (Loss) - Reclassification out of AOCI (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accumulated Other Comprehensive Income (Loss) [Line Items]
Gain on securities transactions	$ 2,025	$ 370	$ 2,612
Other non-interest expense	8,867	14,556	6,100
Total before tax	126,181	76,257	71,082
Income tax benefit	(34,132)	(18,654)	(16,365)
Net income	92,049	57,603	54,717
Accumulated Other Comprehensive Income (Loss) Components
Accumulated Other Comprehensive Income (Loss) [Line Items]
Total before tax	(2,019)	(3,914)	(1,097)
Income tax benefit	702	819	178
Net income	(1,317)	(3,095)	(919)
Accumulated Other Comprehensive Income (Loss) Components | Reclassification adjustment for gain included in net income
Accumulated Other Comprehensive Income (Loss) [Line Items]
Gain on securities transactions	2,025	370	2,612
Accumulated Other Comprehensive Income (Loss) Components | Reclassification adjustment of actuarial net (loss) included in net income
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other non-interest expense	$ (4,044)	$ (4,284)	$ (3,709)

Derivatives and Hedging Activ_3

Derivatives and Hedging Activities - Narrative (Details)	12 Months Ended
	Dec. 31, 2021USD ($)swap	Dec. 31, 2020USD ($)swap	Dec. 31, 2019USD ($)
Derivative [Line Items]
Loss on extinguishment of debt	$ (2,851,000)	$ (1,158,000)	$ 0
Accrued interest on derivative, at fair value	567,000	1,000,000
Net liability position	7,300,000
Collateral against obligations	17,200,000
Interest rate swaps
Derivative [Line Items]
Derivative gains (losses) recorded in the Statements of Income	115,000	(306,000)	$ 204,000
FHLB advances | Interest rate swaps
Derivative [Line Items]
Notional amount of derivative	190,000,000	430,000,000
Not-designated hedge | Currency forward contract - non-designated hedge
Derivative [Line Items]
Notional amount of derivative	0	0
Not-designated hedge | Interest rate swaps
Derivative [Line Items]
Notional amount of derivative	$ 183,400,000	$ 175,100,000
Number of commercial banking customers | swap	52	48
Designated as hedging instrument | FHLB advances | Interest rate swaps
Derivative [Line Items]
Notional amount of derivative	$ 190,000,000	$ 430,000,000
Number of interest rate derivatives held | swap	14	31
Derivatives, notional amount discontinued relative to the hedge	$ 210,000,000
Loss on extinguishment of debt	$ 996,000

Derivatives and Hedging Activ_4

Derivatives and Hedging Activities - Derivative Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Interest rate swaps | Designated as hedging instrument | Other Assets
Derivatives, Fair Value [Line Items]
Derivative assets	$ 9,492	$ 19,425
Interest rate swaps | Designated as hedging instrument | Other Liabilities
Derivatives, Fair Value [Line Items]
Derivative liabilities	17,366	42,384
Carrying Value
Derivatives, Fair Value [Line Items]
Derivative assets	9,492	19,425
Derivative liabilities	$ 17,366	$ 42,384

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Disaggregation of Revenue [Line Items]
Total out-of-scope non-interest income	$ 21,340	$ 16,131	$ 17,333
Total non-interest income (loss)	38,831	31,270	31,636
Deposit Account, Title Insurance And Other Non-Interest Income
Disaggregation of Revenue [Line Items]
Revenue	17,491	15,139	14,303
Demand deposit account fees
Disaggregation of Revenue [Line Items]
Revenue	3,803	3,633	4,478
Title insurance fees
Disaggregation of Revenue [Line Items]
Revenue	6,088	5,034	4,981
Other non-interest income
Disaggregation of Revenue [Line Items]
Revenue	$ 7,600	$ 6,472	$ 4,844

Subsequent Events (Details)

Subsequent Events (Details) $ in Millions	Feb. 07, 2022USD ($)
Subsequent Event
Subsequent Event [Line Items]
Litigation settlement, amount awarded to other party	$ 1.3

Uncategorized Items - clbk-2021

Label	Element	Value
Accounting Standards Update [Extensible Enumeration]	us-gaap_AccountingStandardsUpdateExtensibleList	Accounting Standards Update 2016-01 [Member]