EX-21.0

Subsidiaries of the Registrant

Name	Percent Ownership	State of Incorporation
Columbia Bank	100%	United States of America*
First Jersey Title Services, Inc.	100%	New Jersey**
1901 Commercial Management Company LLC	100%	New Jersey**
1901 Residential Management Company LLC	100%	New Jersey**
Columbia Investment Services, Inc.	100%	New Jersey**
Real Estate Management Corporation, LLC	100%	New Jersey**
Plaza Financial Services, Inc.	100%	New Jersey**
2500 Broadway Corporation	100%	Delaware**
CSB Realty Corporation	100%	Delaware***
Columbia Financial Capital Trust I	100%	Delaware****
Stewardship Realty LLC	100%	New Jersey**
Stewardship Statutory Trust I	100%	Delaware****
* Subsidiary of Columbia Financial, Inc.
** Subsidiary of Columbia Bank
*** Subsidiary of 2500 Broadway Corporation
**** Unconsolidated subsidiary of Columbia Financial, Inc.