Northfield Bancorp, Inc. (Staten Island, NY) (NFBK)

NFBK Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	184.83	183.93	181.64	160.91	158.22
Interest Income on Investments	64.26	53.98	27.16	18.78	14.08
Total Interest Income	249.1	237.91	208.8	179.69	172.3
Interest Paid on Deposits	78.89	82.27	48.75	10.29	6.21
Interest Paid on Borrowings	32.85	41.15	35.38	11.09	10.44
Total Interest Expense	111.73	123.42	84.13	21.38	16.65
Net Interest Income	137.37	114.49	124.67	158.31	155.65
Net Interest Income Growth (YoY)	19.99%	-8.17%	-21.25%	1.71%	19.91%
Income From Trading Activities	1.69	1.67	1.72	-2.21	1.7
Gain (Loss) on Sale of Assets	-	3.4	-	-	-
Gain (Loss) on Sale of Investments	-	-0.01	-0.02	0.28	1.5
Other Non-Interest Income	15.26	11.71	10.06	9.46	9.85
Total Non-Interest Income	16.95	16.82	11.9	7.98	14.45
Non-Interest Income Growth (YoY)	0.76%	41.41%	49.02%	-44.77%	25.99%
Revenues Before Loan Losses	154.32	131.31	136.56	166.29	170.1
Provision for Loan Losses	7.4	4.28	1.35	4.48	-6.18
Revenue	146.91	127.03	135.21	161.81	176.29
Revenue Growth (YoY)	15.66%	-6.05%	-16.44%	-8.21%	37.15%
Salaries and Employee Benefits	51.37	45.09	42.13	37.83	40.03
Occupancy Expenses	-	3.44	3.38	3.61	4.07
Federal Deposit Insurance	2.4	2.49	2.33	1.41	1.37
Selling, General & Administrative	28.95	28.51	29.83	28.91	28.01
Other Non-Interest Expense	6.14	7.01	5.78	5.19	5.69
Total Non-Interest Expense	88.85	86.53	83.45	76.95	79.16
EBT Excluding Unusual Items	58.06	40.5	51.76	84.86	97.13
Pretax Income	17.05	40.5	51.76	84.86	97.13
Income Tax Expense	16.26	10.56	14.09	23.74	26.47
Net Income	0.8	29.95	37.67	61.12	70.65
Net Income to Common	0.8	29.95	37.67	61.12	70.65
Net Income Growth	-97.34%	-20.51%	-38.37%	-13.49%	91.02%
Basic Shares Outstanding	40	42	44	46	48
Diluted Shares Outstanding	40	42	44	46	49
Shares Change (YoY)	-3.50%	-4.61%	-6.03%	-4.75%	-0.07%
EPS (Basic)	0.02	0.72	0.86	1.32	1.46
EPS (Diluted)	0.02	0.72	0.86	1.32	1.45
EPS Growth	-97.24%	-16.28%	-34.85%	-8.97%	91.00%
Dividend Per Share	0.520	0.520	0.520	0.520	0.520
Dividend Growth	-	-	-	-	18.18%
Effective Tax Rate	95.33%	26.06%	27.22%	27.98%	27.26%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q