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
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 | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.65% | 1.00% | 1.72% | Beats 47% | 19 / 36 | |
| Return on Equity | 7.40% | 5.35% | 9.30% | 13.56% | Beats 43% | 20 / 35 | |
| Net Interest Margin | 2.74% | 2.66% | 3.13% | 3.63% | Beats 31% | 25 / 36 | |
| Efficiency Ratio | 52.25% | 52.19% | 63.09% | 75.14% | Beats 74% | 10 / 35 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.46% | 0.84% | 1.59% | Beats 69% | 12 / 36 | |
| Net Charge-Offs / Loans | 0.16% | n/a | 0.03% | 0.14% | Beats 19% | 30 / 36 | |
| Capital |
| Tier 1 Capital Ratio | 13.13% | 13.13% | 14.78% | 18.34% | Beats 25% | 27 / 36 | |
| Total Risk-Based Capital Ratio | 13.13% | 13.73% | 15.96% | 19.27% | Beats 19% | 29 / 36 | |
| Equity / Assets | 13.11% | 9.80% | 11.58% | 14.82% | Beats 69% | 11 / 36 | |
| Liquidity & Funding |
| Loans / Deposits | 92.61% | 81.12% | 95.13% | 103.24% | 42nd pctl | 21 / 36 | |
| Loans / Assets | 67.44% | 67.44% | 76.31% | 84.79% | 25th pctl | 27 / 36 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |