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Northfield Bancorp
Northfield Bancorp (NFBK) investor relations material
Northfield Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary2 Feb, 2026
Executive summary
Announced a strategic merger agreement with Columbia Financial, Inc. and declared a $0.13 per share cash dividend payable in February 2026.
Reported a net loss of $27.4 million for Q4 2025 due to a $41.0 million goodwill impairment, compared to net income of $10.8 million in Q3 2025 and $11.3 million in Q4 2024.
Full-year 2025 net income was $796,000, down from $29.9 million in 2024, primarily due to the goodwill impairment charge.
Financial highlights
Net interest income for Q4 2025 rose to $36.7 million, up $2.2 million sequentially and $7.0 million year-over-year.
Net interest margin increased to 2.70% in Q4 2025, up 16 bps from Q3 2025 and 52 bps from Q4 2024.
Provision for credit losses on loans was $1.7 million in Q4 2025, down $277,000 year-over-year but up $596,000 sequentially.
Non-interest expense for Q4 2025 surged to $62.1 million, mainly due to the $41.0 million goodwill impairment.
Deposits (excluding brokered) increased $31.5 million from Q3 2025; loan balances declined $43.4 million, mainly from multifamily loans.
Outlook and guidance
Management remains focused on growing non-multifamily loan portfolios and low-cost deposits, aiming to sustain net interest margin and asset quality.
The company expects to have sufficient liquidity to meet commitments and continues to monitor credit quality closely.
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Next Northfield Bancorp earnings date
Q1 202623 Apr, 2026
Northfield Bancorp
Next Northfield Bancorp earnings date
Q1 202623 Apr, 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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