Logotype for Northfield Bancorp Inc (Staten Island NY)

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.
Logotype for Northfield Bancorp Inc (Staten Island NY)
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.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Northfield Bancorp earnings date

Logotype for Northfield Bancorp Inc (Staten Island NY)
Q3 202531 Oct, 2025
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Northfield Bancorp earnings date

Logotype for Northfield Bancorp Inc (Staten Island NY)
Q3 202531 Oct, 2025

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

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.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage