Columbia Financial, Inc. operates as the bank holding company for Columbia Bank that provides financial services to businesses and consumers in the United States. The company offers non-interest-bearing demand deposits, such as individual checking and commercial checking accounts; interest bearing demand accounts comprising interest earning checking accounts and municipal accounts; and savings and club accounts, money market accounts, and certificates of deposit. It also provides loans, including multifamily and commercial real estate loans, commercial business loans, one- to four-family residential loans, construction loans, home equity loans and advances, and other consumer loans. In addition, the company offers title insurance products; wealth management services; and cash management services, including remote deposit, lockbox service, and sweep accounts. As of December 31, 2019, it operated 64 full-service banking offices in ten of New Jersey's 21 counties. The company was founded in 1927 and is headquartered in Fair Lawn, New Jersey. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC.