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Northfield Bancorp (NFBK) investor relations material
Northfield Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for the nine months ended September 30, 2025, was $28.2 million ($0.70 per diluted share), up from $18.7 million ($0.45 per diluted share) year-over-year, driven by higher net interest income and lower funding costs, partially offset by increased provision for credit losses.
Q3 2025 net income was $10.8 million ($0.27 per diluted share), up from $9.6 million in Q2 2025 and $6.5 million in Q3 2024, reflecting higher net interest income and lower provision for credit losses.
Return on average assets was 0.67% and return on average stockholders' equity was 5.31% for the nine months ended September 30, 2025.
Management emphasized disciplined expense control, expansion of net interest and non-interest income, and capital return to shareholders through dividends and share repurchases.
Financial highlights
Total assets increased 1.0% to $5.73 billion at September 30, 2025, primarily due to a $230.1 million increase in available-for-sale debt securities.
Net interest income for Q3 2025 was $34.5 million, up 22.3% year-over-year; for the nine months, it rose 18.7% to $100.7 million.
Net interest margin improved to 2.54% in Q3 2025 (2.50% for the nine months), up from 2.08% a year ago.
Provision for credit losses increased to $5.7 million for the nine months but decreased to $1.1 million in Q3 2025 from $2.5 million in Q3 2024.
Non-interest income increased 25% to $12.3 million for the nine months and 32.1% year-over-year to $4.7 million in Q3 2025.
Non-interest expense rose 3.2% to $67.8 million for the nine months and 14.7% year-over-year to $23.4 million in Q3 2025.
Effective tax rate for the nine months was 28.5%.
Outlook and guidance
Management expects to have sufficient liquidity and capital to meet commitments, with a focus on maintaining strong asset quality and capital ratios.
No material changes to risk factors or forward-looking statements since the last annual report.
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Q4 202526 Jan, 2026
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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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