NFBK · As filed with the SEC

Northfield Bancorp cash flow 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 Cash Flows · USD thousands

USD thousands	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
Net income	11,843	(27,402)^†	10,751^†	9,571^†	7,876	11,251^†	6,523^†	5,957^†
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	247	1,665^†	1,069^†	2,086^†	2,582	1,942^†	2,542^†	(618)^†
ESOP and stock compensation expense	867	1,806^†	1,055^†	1,073^†	1,060	1,812^†	1,014^†	520^†
Depreciation	743	776^†	800^†	809^†	812	841^†	875^†	914^†
Amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees	791	354^†	1,162^†	1,155^†	1,263	1,680^†	1,089^†	257^†
Amortization of debt issuance costs	56	55^†	56^†	56^†	56	56^†	55^†	56^†
Amortization of intangible assets	0	12^†	11^†	12^†	12	21^†	21^†	21^†
Amortization of operating lease right-of-use assets	1,201	1,203^†	1,198^†	1,188^†	1,179	1,174^†	1,156^†	1,142^†
Income on bank-owned life insurance	(1,891)	(1,831)^†	(1,863)^†	(1,736)^†	(1,639)	(1,277)^†	(999)^†	(976)^†
Net gain on sale of loans held-for-sale	—	0^†	0^†	—	—	0^†	0^†	—
Proceeds from loans held-for-sale	—	0^†	0^†	—	—	0^†	0^†	—
Origination of loans held-for-sale	—	0^†	0^†	—	—	0^†	0^†	—
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)^†
Loss on sale of other real estate owned, net	—	—	—	—	—	—	0^†	—
Net sales of trading securities	1,130	(66)^†	(112)^†	(41)^†	582	(57)^†	(110)^†	(25)^†
Decrease (increase) in accrued interest receivable	32	(707)^†	(170)^†	407^†	(570)	221^†	44^†	15^†
Decrease (increase) in other assets	6,836	2,523^†	(3,799)^†	2,107^†	(329)	(1,115)^†	(1,329)^†	(3,007)^†
Decrease in accrued expenses and other liabilities	(2,331)	(2,008)^†	4,567^†	(1,555)^†	(3,757)	(8,345)^†	3,783^†	2,844^†
Net cash provided by operating activities	19,780	16,227^†	13,921^†	14,124^†	9,426	5,996^†	13,961^†	6,911^†
Cash flows from investing activities:
Net decrease in loans receivable	46,996	46,770^†	22,899^†	92,562^†	27,374	37,993^†	26,160^†	69,119^†
Purchase of loans	—	(4,174)^†	(3,442)^†	—	—	(3,547)^†	(1,529)^†	0^†
Purchases of FHLB of New York stock	(10,322)	(14,083)^†	(15,161)^†	(23,202)^†	(11,315)	(19,581)^†	(2,056)^†	(3,888)^†
Redemptions of FHLB of New York stock	14,695	13,233^†	13,107^†	17,888^†	8,859	20,956^†	6,572^†	1,951^†
Purchases of debt securities available-for-sale	(147,662)	(261,887)^†	(125,925)^†	(171,191)^†	(300,647)	(256,450)^†	(147,281)^†	(321,824)^†
Purchases of equity securities	—	0^†	0^†	0^†	0	(3,562)^†	3,265^†	(2,926)^†
Proceeds from sale of equity securities	0	0^†	1,278^†	4,577^†	3,406	0^†	0^†	0^†
Proceeds from sale of premises and equipment and other real estate owned	—	—	—	—	—	3,791^†	0^†	—
Principal payments and maturities on debt securities available-for-sale	177,893	182,487^†	99,311^†	121,516^†	165,792	214,440^†	217,961^†	281,556^†
Principal payments and maturities on debt securities held-to-maturity	61	57^†	57^†	440^†	443	385^†	68^†	62^†
Purchases and improvements of premises and equipment	(188)	(345)^†	(327)^†	(220)^†	(258)	(242)^†	(220)^†	(241)^†
Net cash provided by (used in) investing activities	81,473	(37,942)^†	(8,203)^†	24,138^†	(106,346)	(5,817)^†	102,940^†	23,809^†
Cash flows from financing activities:
Net increase (decrease) in deposits	72,808	42,049^†	(12,427)^†	(145,769)^†	(6,521)	262,908^†	77,095^†	(122,849)^†
Dividends paid	(5,281)	(5,208)^†	(5,261)^†	(5,296)^†	(5,387)	(5,364)^†	(5,374)^†	(5,525)^†
Exercise of stock options	—	—	—	—	—	0^†	0^†	0^†
Purchase of treasury stock	(447)	(127)^†	0^†	(10,000)^†	(5,224)	(1)^†	(6,708)^†	(8,655)^†
Increase in advance payments by borrowers for taxes and insurance	5,354	(2,889)^†	(2,122)^†	(3,983)^†	5,213	1,565^†	(3,621)^†	(4,089)^†
Proceeds from borrowings and securities sold under agreements to repurchase	405,500	1,080,600^†	2,385,539^†	1,013,500^†	857,000	436,711^†	80,684^†	75,000^†
Repayments related to other borrowings and securities sold under agreements to repurchase	(503,531)	(1,060,484)^†	(2,337,359)^†	(890,739)^†	(814,243)	(761,180)^†	(179,540)^†	(49,894)^†
Net cash (used in) provided by financing activities	(25,597)	53,941^†	28,370^†	(42,287)^†	30,838	(65,361)^†	(37,464)^†	(116,012)^†
Net increase (decrease) in cash and cash equivalents	75,656	32,226^†	34,088^†	(4,025)^†	(66,082)	(65,182)^†	79,437^†	(85,292)^†
Cash and cash equivalents at beginning of period	163,951	131,725	97,637	101,662	167,744	232,926	153,489	238,781
Cash and cash equivalents at end of period	239,607	163,951	131,725	97,637	101,662	167,744	232,926	153,489
Supplemental cash flow information:
Cash paid during the period for:
Interest	26,181	27,108^†	28,264^†	28,380^†	28,301	39,467^†	28,117^†	28,143^†
Income taxes	133	—	5,950^†	3,731^†	190	1,180^†	2,093^†	2,642^†
Non-cash transactions:
Loan charge-offs, net	1,357	411^†	299^†	887^†	2,844	1,966^†	2,115^†	1,641^†
Transfer of loans held-for-investment to other real estate owned	—	—	—	—	—	—	0^†	0^†
Transfers of loans held-for-investment to loans held-for-sale, at fair value	—	—	—	—	—	0^†	—	—
Transfers of loans held-for-sale at fair value to loans held-for-investment	—	0^†	—	—	—	0^†	—	—
Right-of-use assets obtained in exchange for new lease liabilities	0	2,033^†	0^†	0^†	753	0^†	795^†	372^†

† 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.

Data on this page was fetched Nov 7, 2026, 5:20 PM ET. The filing on SEC.gov is the record.