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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Northfield Bancorp
Northfield Bancorp (NFBK) investor relations material
Northfield Bancorp has been acquired by Columbia Financial Inc
Northfield Bancorp Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary30 Jul, 2026
Executive summary
Net income for Q2 2026 was $14.5 million ($0.14 per share), up from $12.3 million ($0.12 per share) year-over-year, driven by higher net interest income and non-interest income, partially offset by increased provision for credit losses, non-interest expense, and income tax expense.
Core net income for Q2 2026 was $15.1 million ($0.15 per share).
For the six months ended June 30, 2026, net income was $27.6 million ($0.27 per share), up from $21.2 million ($0.21 per share) year-over-year.
Completed a second-step conversion offering and acquisition of Northfield Bancorp in July 2026, raising $1.7 billion and adding $5.8 billion in assets.
Financial highlights
Net interest income for Q2 2026 was $62.9 million, up 17.2% year-over-year; for six months, $123.3 million, up 18.5%.
Net interest margin for Q2 2026 was 2.44%, up 25 bps year-over-year; for six months, 2.43%, up 28 bps.
Non-interest income for Q2 2026 was $10.8 million, up 6.5% year-over-year; for six months, $17.6 million, down 5.7%.
Non-interest expense for Q2 2026 was $49.4 million, up 10% year-over-year; for six months, $96.9 million, up 9.2%.
Provision for credit losses for Q2 2026 was $4.3 million, up 74.7% year-over-year; for six months, $5.3 million, down 2.5%.
Quarterly cash dividend of $0.05 per share declared, payable August 26, 2026.
Outlook and guidance
The acquisition of Northfield Bancorp and second-step conversion are expected to transform the company, expanding into new geographic markets and providing substantial capital for future growth.
Management anticipates benefits from a lower-cost deposit base and enhanced franchise growth.
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Latest events from Northfield Bancorp
- Merger and executive compensation proposals approved with quorum confirmed; adjournment unnecessary.NFBK
EGM 2026 - Shareholders to vote on Columbia's conversion and Northfield merger, expanding the public company.NFBKProxy filing
- Net income rose to $11.8M in Q1 2026, with improved margins and a pending merger in Q3.NFBKQ1 2026
- Q4 2025 net loss driven by goodwill impairment; merger announced; asset quality remains strong.NFBKQ4 2025
- Annual meeting to vote on directors, pay, auditor, and ESG-focused governance.NFBKProxy Filing
- Director elections, executive pay, and auditor ratification up for vote at the 2025 annual meeting.NFBKProxy Filing
- Net income rose to $28.2 million, with strong capital and asset quality amid portfolio shifts.NFBKQ3 2025
- Net income and margins rose sharply, with improved asset quality and strong capital ratios.NFBKQ2 2025
- Earnings declined on higher funding costs and credit losses, but capital remains robust.NFBKQ3 2024
Northfield Bancorp
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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.