NFBK · As filed with the SEC

Northfield Bancorp income statement, by quarter

The statement as Northfield Bancorp presents it in its 10-Q and 10-K: its own lines, labels and order. Tables over time lines up standardized figures across every filing.

Consolidated Statements of Comprehensive Income · USD thousands, except per-share amounts

USD thousands, except per-share amounts	Q1 2026 3 months ended Mar 31, 2026	Q4 2025^† 3 months ended Dec 31, 2025	Q3 2025 3 months ended Sep 30, 2025	Q2 2025 3 months ended Jun 30, 2025
Interest income:
Loans	45,400	46,486^†	46,402	46,661
Mortgage-backed securities	15,004	14,954^†	14,757	13,888
Other securities	382	384^†	377	442
FHLB of New York dividends	788	832^†	706	728
Deposits in other financial institutions	1,334	977^†	704	706
Total interest income	62,908	63,633^†	62,946	62,425
Interest expense:
Deposits	17,880	18,388^†	19,021	20,285
Borrowings	7,246	7,742^†	8,576	6,916
Subordinated debt	819	836^†	837	828
Total interest expense	25,945	26,966^†	28,434	28,029
Net interest income	36,963	36,667^†	34,512	34,396
Provision for credit losses	247	1,665^†	1,069	2,086
Net interest income after provision for credit losses	36,716	35,002^†	33,443	32,310
Non-interest income:
Fees and service charges for customer services	1,709	1,773^†	1,792	1,685
Income on bank-owned life insurance	1,891	1,831^†	1,863	1,736
Losses on available-for-sale debt securities, net	(2)	0^†	0	0
Losses on trading securities, net	(254)	181^†	804	1,008
Gains on sale of loans	—	0^†	0	0
Other	68	891^†	267	97
Total non-interest income	3,412	4,676^†	4,726	4,526
Non-interest expense:
Compensation and employee benefits	12,673	12,345^†	13,522	13,728
Occupancy	3,354	3,133^†	3,081	3,328
Furniture and equipment	376	397^†	403	411
Data processing	2,352	2,279^†	2,439	2,402
Professional fees	691	740^†	860	903
Merger related expenses	1,709	—	—	—
Advertising	159	579^†	310	294
Federal Deposit Insurance Corporation insurance	606	613^†	548	618
Credit (benefit)/loss expense for off-balance sheet exposures	(67)	(394)^†	116	(53)
Other	1,406	1,372^†	2,103	1,339
Total non-interest expense	23,259	62,076^†	23,382	22,970
Income before income tax expense	16,869	(22,398)^†	14,787	13,866
Income tax expense	5,026	5,004^†	4,036	4,295
Net income	11,843	(27,402)^†	10,751	9,571
Net income per common share:
Basic (usd per share)	0.30	—	0.27	0.24
Diluted (usd per share)	0.30	—	0.27	0.24
Other comprehensive (loss) income:
Unrealized (losses) gains on debt securities available-for-sale:
Net unrealized holding (losses) gains	(3,356)	1,904^†	3,965	5,396
Add: Reclassification adjustment for net losses included in net income	2	0^†	0	0
Net unrealized (losses) gains	(3,354)	1,904^†	3,965	5,396
Post-retirement benefits adjustment	—	81^†	0	0
Other comprehensive (loss) income before tax	(3,354)	1,985^†	3,965	5,396
Income tax benefit (expense) related to net unrealized holding (losses) gains on debt securities available-for-sale	1,003	(570)^†	(1,185)	(1,619)
Income tax benefit related to reclassification adjustment for losses included in net income	—	0^†	0	—
Income tax (benefit) expense related to post-retirement benefits adjustment	—	(24)^†	0	0
Other comprehensive income, net of tax	(2,351)	1,391^†	2,780	3,777
Comprehensive income	9,492	(26,011)^†	13,531	13,348

† Derived: worked out from the filings, not stated in them. A fourth quarter is the 10-K year less the nine months in the third-quarter 10-Q; a quarter of cash flows is year to date less the prior year to date.

As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.