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Northfield Bancorp (NFBK) investor relations material
Northfield Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income for the six months ended June 30, 2025, was $17.4 million, up from $12.2 million year-over-year, driven by higher net interest income and lower funding costs, partially offset by increased provision for credit losses.
Basic and diluted EPS for the six months ended June 30, 2025, were $0.43, compared to $0.29 for the same period in 2024.
Q2 2025 net income was $9.6 million ($0.24 per diluted share), up from $7.9 million in Q1 2025 and $6.0 million in Q2 2024.
Return on average assets improved to 0.62% for the six months and 0.68% for Q2 2025; return on average equity rose to 4.97% for the six months and 5.41% for Q2 2025.
Strategic initiatives in lending, deposit gathering, margin expansion, and expense control contributed to improved results.
Financial highlights
Total assets increased 0.2% to $5.68 billion at June 30, 2025, mainly due to a $200.2 million rise in available-for-sale debt securities.
Net loans held-for-investment decreased by $101.6 million, or 2.5%, to $3.92 billion, reflecting a strategic reduction in multifamily and commercial real estate exposure.
Net interest income for the six months ended June 30, 2025, rose 17.0% to $66.2 million; Q2 2025 net interest income was $34.4 million, up 19.9% year-over-year.
Net interest margin for Q2 2025 was 2.57%, up from 2.38% in Q1 2025 and 2.09% in Q2 2024; for the six months, it was 2.48%, up from 2.06% year-over-year.
Non-interest income for Q2 2025 increased 58.3% year-over-year to $4.5 million, mainly from higher trading gains and bank-owned life insurance income; for the six months, it grew 21.0% to $7.5 million.
Non-interest expense for Q2 2025 was stable at $23.0 million; for the six months, it decreased 2.0% to $44.4 million.
Outlook and guidance
Management expects sufficient liquidity and capital to meet commitments and continue strategic initiatives, with access to significant borrowing capacity.
Focus remains on prudent risk management, disciplined loan pricing, and managing concentration risk in commercial and multifamily real estate portfolios.
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Next Northfield Bancorp earnings date
Q3 202531 Oct, 2025
Next Northfield Bancorp earnings date
Q3 202531 Oct, 2025
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Frequently asked questions
Northfield Bancorp, Inc. operates as the holding company for Northfield Bank, a full-service community bank. The bank offers a range of financial products and services to individuals, businesses, and organizations. Key offerings include personal and business checking and savings accounts, residential and commercial mortgage loans, home equity lines of credit, and small business loans. The company also provides online and mobile banking services, including bill payment and remote deposit capture. Northfield Bancorp serves customers primarily in New York and New Jersey through a network of branches. The company is headquartered in Staten Island, New York, and its shares are listed on the NASDAQ.
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