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	Q1 2025 3 months ended Mar 31, 2025	Q4 2024^† 3 months ended Dec 31, 2024	Q3 2024 3 months ended Sep 30, 2024	Q2 2024 3 months ended Jun 30, 2024
Interest income:
Loans	45,400	46,486^†	46,402	46,661	45,283	45,902^†	46,016	45,967
Mortgage-backed securities	15,004	14,954^†	14,757	13,888	12,009	9,160^†	8,493	7,355
Other securities	382	384^†	377	442	797	1,428^†	2,684	3,506
FHLB of New York dividends	788	832^†	706	728	862	885^†	914	935
Deposits in other financial institutions	1,334	977^†	704	706	1,141	2,347^†	1,211	2,457
Total interest income	62,908	63,633^†	62,946	62,425	60,092	59,722^†	59,318	60,220
Interest expense:
Deposits	17,880	18,388^†	19,021	20,285	21,191	22,031^†	20,304	20,664
Borrowings	7,246	7,742^†	8,576	6,916	6,291	7,169^†	9,949	10,041
Subordinated debt	819	836^†	837	828	819	837^†	836	828
Total interest expense	25,945	26,966^†	28,434	28,029	28,301	30,037^†	31,089	31,533
Net interest income	36,963	36,667^†	34,512	34,396	31,791	29,685^†	28,229	28,687
Provision for credit losses	247	1,665^†	1,069	2,086	2,582	1,942^†	2,542	(618)
Net interest income after provision for credit losses	36,716	35,002^†	33,443	32,310	29,209	27,743^†	25,687	29,305
Non-interest income:
Fees and service charges for customer services	1,709	1,773^†	1,792	1,685	1,620	1,634^†	1,611	1,570
Income on bank-owned life insurance	1,891	1,831^†	1,863	1,736	1,639	1,277^†	999	976
Losses on available-for-sale debt securities, net	(2)	0^†	0	0	—	0^†	(7)	1
Losses on trading securities, net	(254)	181^†	804	1,008	(299)	68^†	710	188
Gains on sale of loans	—	0^†	0	0	—	0^†	0	51
Other	68	891^†	267	97	62	623^†	265	73
Total non-interest income	3,412	4,676^†	4,726	4,526	3,022	7,004^†	3,578	2,859
Non-interest expense:
Compensation and employee benefits	12,673	12,345^†	13,522	13,728	11,775	11,761^†	11,424	13,388
Occupancy	3,354	3,133^†	3,081	3,328	3,533	3,253^†	3,030	3,222
Furniture and equipment	376	397^†	403	411	414	436^†	450	477
Data processing	2,352	2,279^†	2,439	2,402	2,122	1,921^†	1,780	2,177
Professional fees	691	740^†	860	903	1,072	762^†	943	681
Merger related expenses	1,709	—	—	—	—	—	—	—
Advertising	159	579^†	310	294	250	287^†	282	482
Federal Deposit Insurance Corporation insurance	606	613^†	548	618	617	625^†	626	649
Credit (benefit)/loss expense for off-balance sheet exposures	(67)	(394)^†	116	(53)	103	(55)^†	151	103
Other	1,406	1,372^†	2,103	1,339	1,549	1,832^†	1,692	1,814
Total non-interest expense	23,259	62,076^†	23,382	22,970	21,435	20,822^†	20,378	22,993
Income before income tax expense	16,869	(22,398)^†	14,787	13,866	10,796	13,925^†	8,887	9,171
Income tax expense	5,026	5,004^†	4,036	4,295	2,920	2,674^†	2,364	3,214
Net income	11,843	(27,402)^†	10,751	9,571	7,876	11,251^†	6,523	5,957
Net income per common share:
Basic (usd per share)	0.30	—	0.27	0.24	0.19	—	0.16	0.14
Diluted (usd per share)	0.30	—	0.27	0.24	0.19	—	0.16	0.14
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	11,610	(3,472)^†	15,352	3,199
Add: Reclassification adjustment for net losses included in net income	2	0^†	0	0	—	0^†	7	(1)
Net unrealized (losses) gains	(3,354)	1,904^†	3,965	5,396	—	(3,472)^†	15,359	3,198
Post-retirement benefits adjustment	—	81^†	0	0	0	(71)^†	0	0
Other comprehensive (loss) income before tax	(3,354)	1,985^†	3,965	5,396	11,610	(3,543)^†	15,359	3,198
Income tax benefit (expense) related to net unrealized holding (losses) gains on debt securities available-for-sale	1,003	(570)^†	(1,185)	(1,619)	(3,482)	957^†	(4,272)	(900)
Income tax benefit related to reclassification adjustment for losses included in net income	—	0^†	0	—	—	0^†	(2)	0
Income tax (benefit) expense related to post-retirement benefits adjustment	—	(24)^†	0	0	0	20^†	0	0
Other comprehensive income, net of tax	(2,351)	1,391^†	2,780	3,777	8,128	(2,566)^†	11,085	2,298
Comprehensive income	9,492	(26,011)^†	13,531	13,348	16,004	8,685^†	17,608	8,255

† 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.