Actions of the Board, Its Staff, and the Federal Reserve Banks; Applications and Reports Received
District 3: Federal Reserve Bank of Philadelphia PDF
Filings received during the week ending March 14, 2026
| Filer | Filing Type | Filing Proposal | End of Comment Period | |
|---|---|---|---|---|
| Newspaper | Federal Register | |||
| COLUMBIA BANK MHC | * Second Step Conversion | Columbia Bank MHC, Fair Lawn, New Jersey; to convert from mutual to stock form. As part of the conversion, Columbia Bank MHC, and Columbia Financial, Inc., Fair Lawn, New Jersey, an existing mid-tier savings and loan holding company, will cease to exist and Columbia Bank, Fair Lawn, New Jersey, will become a wholly-owned subsidiary of Columbia Financial, Inc., Fair Lawn, New Jersey, a newly-formed Maryland corporation, which has applied to become a savings and loan holding company, pursuant to section 3(a)(1) of the Bank Holding Company Act of 1956, as amended, by acquiring Columbia Bank, a covered savings association. | Not available | 04/20/2026 |
| COLUMBIA FINANCIAL, INC. | * Thrift Going Concern | Columbia Financial, Inc., Fair Lawn, New Jersey, a newly formed Maryland corporation; to acquire Northfield Bancorp, Inc., Staten Island, New York, and thereby indirectly acquire Northfield Bank, Woodbridge, New Jersey, and thereby engage in operating a savings association pursuant to Section 225.28(b)(4)(ii) of Regulation Y. | Not available | 04/20/2026 |
* Subject to the provisions of the Community Reinvestment Act
Availability of CRA Public Evaluations
The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.
The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.
A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.
Federal bank regulators use the following performance levels to rate an institution's performance under CRA:
O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available.
| Institution / Location | RSSD ID | Exam Date | CRA Public Date | CRA Rating | Exam Method |
|---|---|---|---|---|---|
| VICTORY BK, LIMERICK, PENNSYLVANIA | 3603961 | 06/14/2024 | 07/10/2023 | S | Int Small Bank |
CRA Examinations scheduled for Quarter of
| Institution | Location | Quarter |
|---|---|---|
| NONE | ||