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Northfield Bank

Staten Island, NY · Cert 28710 · Northfield Bcorp Inc.

State savings bank · OCC · 37 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

38

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

74

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Northfield Bank

Staten Island, NY · Cert 28710 · Northfield Bcorp Inc.

State savings bank · OCC · 37 branches

Q2 2026

$5.5BAssets
$3.7BLoans
$4.0BDeposits
$721.2MEquity
Loan mix
95%RE $3.6B5%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $3.2B20%Noninterest $0.8BQ2 2025Q2 2026

NIM

4.11%Q2 ’244.34%Q2 ’254.53%Q2 ’26+20%+15%

Non-interest income vs. expense

1.55%Q2 ’241.55%Q2 ’251.60%Q2 ’26-3%-1%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #44 of 151 inst. · $3.7B of $2921.1B

8.7% Richmond
3.0% Union
1.1% Middlesex
0.7% Kings

Executive Summary

  • Earnings: ROA of 0.94%, up 29 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.62% of loans (+20 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 13.13%, up 56 bps from a year ago.
  • Funding: loans stand at 92.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.94%+29 bps YoY

Net Interest Margin (YTD, annualized)

2.74%+35 bps YoY

Efficiency Ratio (YTD, annualized)

52.25%-651 bps YoY

Tier 1 Leverage Ratio

13.13%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.70%0.05%0.99%0.94%+29 bps
Return on Equity5.06%5.40%0.42%7.76%7.33%+228 bps
Net Interest Margin2.39%2.42%2.45%2.64%2.74%+35 bps
Efficiency Ratio58.76%58.50%82.70%52.32%52.25%-651 bps
Non-Interest Burden1.29%1.28%1.98%1.27%1.28%-1 bps
Growth
Asset Growth (YoY)-1.12%-0.05%1.61%0.45%-3.12%-200 bps
Loan Growth (YoY)-4.17%-4.03%-4.23%-4.72%-5.36%-119 bps
Deposit Growth (YoY)4.29%2.28%-3.25%-1.35%-0.61%-490 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.54%0.47%0.61%0.62%+20 bps
Net Charge-Offs / Loans0.19%0.14%0.12%0.14%0.28%+9 bps
Allowance / Loans0.92%0.95%0.99%0.97%1.00%+7 bps
Allowance Coverage of NPLs2.2x1.7x2.1x1.6x1.6x-0.6x
Capital
Tier 1 Leverage Ratio12.56%12.64%12.84%13.08%13.13%+56 bps
Total Risk-Based Capital12.56%12.64%12.84%13.08%13.13%+56 bps
Equity / Assets12.98%13.05%12.59%12.85%13.11%+13 bps
Liquidity & Funding
Loans / Deposits97.26%97.11%95.26%92.40%92.61%-465 bps
Liquid Assets / Assets1.66%2.23%2.79%4.12%4.56%+291 bps
CRE / Total Capitaln/a474%456%440%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Northfield Bank

Staten Island, NY · Cert 28710 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Northfield Bcorp Inc.

State savings bank · OCC · 37 branches

Q2 2026

$5.5BAssets
$3.7BLoans
$4.0BDeposits
$721.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 74% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 10 of 35).
  • Widest gap: total risk-based capital ratio trails 81% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 29 of 36).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.97%

Rank 19 of 36

Net Interest Margin

2.74%

Rank 25 of 36

Efficiency Ratio

52.25%

Rank 10 of 35

Equity / Assets

13.11%

Rank 11 of 36

Non-interest income vs. expense

$17.9M$88.9MINCOMEEXPENSE
Unfavorable gap of $71.0M · efficiency ratio beats 74% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 52.25%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%0.65%1.00%1.72%Beats 47%19 / 36
Return on Equity7.40%5.35%9.30%13.56%Beats 43%20 / 35
Net Interest Margin2.74%2.66%3.13%3.63%Beats 31%25 / 36
Efficiency Ratio52.25%52.19%63.09%75.14%Beats 74%10 / 35
Asset Quality
Nonperforming Loans / Loans0.62%0.46%0.84%1.59%Beats 69%12 / 36
Net Charge-Offs / Loans0.16%n/a0.03%0.14%Beats 19%30 / 36
Capital
Tier 1 Capital Ratio13.13%13.13%14.78%18.34%Beats 25%27 / 36
Total Risk-Based Capital Ratio13.13%13.73%15.96%19.27%Beats 19%29 / 36
Equity / Assets13.11%9.80%11.58%14.82%Beats 69%11 / 36
Liquidity & Funding
Loans / Deposits92.61%81.12%95.13%103.24%42nd pctl21 / 36
Loans / Assets67.44%67.44%76.31%84.79%25th pctl27 / 36
Brokered Deposits / Depositsn/aNot reported for this institution