Staten Island, NY · Cert 28710 · Northfield Bcorp Inc.
State savings bank · OCC · 37 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #44 of 151 inst. · $3.7B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.56% | 0.59% | 0.65% | 0.70% | 0.05% | 0.99% | 0.94% | +29 bps | |
| Return on Equity | 3.78% | 4.47% | 4.58% | 5.06% | 5.40% | 0.42% | 7.76% | 7.33% | +228 bps | |
| Net Interest Margin | 2.03% | 2.05% | 2.28% | 2.39% | 2.42% | 2.45% | 2.64% | 2.74% | +35 bps | |
| Efficiency Ratio | 67.58% | 64.28% | 59.94% | 58.76% | 58.50% | 82.70% | 52.32% | 52.25% | -651 bps | |
| Non-Interest Burden | 1.29% | 1.20% | 1.27% | 1.29% | 1.28% | 1.98% | 1.27% | 1.28% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.38% | 1.17% | -2.38% | -1.12% | -0.05% | 1.61% | 0.45% | -3.12% | -200 bps | |
| Loan Growth (YoY) | -3.95% | -4.20% | -3.99% | -4.17% | -4.03% | -4.23% | -4.72% | -5.36% | -119 bps | |
| Deposit Growth (YoY) | 5.48% | 6.38% | 5.17% | 4.29% | 2.28% | -3.25% | -1.35% | -0.61% | -490 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.80% | 0.56% | 0.54% | 0.42% | 0.54% | 0.47% | 0.61% | 0.62% | +20 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.16% | 0.28% | 0.19% | 0.14% | 0.12% | 0.14% | 0.28% | +9 bps | |
| Allowance / Loans | 0.87% | 0.87% | 0.87% | 0.92% | 0.95% | 0.99% | 0.97% | 1.00% | +7 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.6x | 1.6x | 2.2x | 1.7x | 2.1x | 1.6x | 1.6x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.26% | 12.46% | 12.62% | 12.56% | 12.64% | 12.84% | 13.08% | 13.13% | +56 bps | |
| Total Risk-Based Capital | 12.26% | 12.46% | 12.62% | 12.56% | 12.64% | 12.84% | 13.08% | 13.13% | +56 bps | |
| Equity / Assets | 12.44% | 12.80% | 12.99% | 12.98% | 13.05% | 12.59% | 12.85% | 13.11% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.49% | 96.24% | 95.66% | 97.26% | 97.11% | 95.26% | 92.40% | 92.61% | -465 bps | |
| Liquid Assets / Assets | 3.99% | 2.90% | 1.72% | 1.66% | 2.23% | 2.79% | 4.12% | 4.56% | +291 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 474% | 456% | 440% | n/a | n/a | |