NFBK Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	163.95	167.74	229.51	45.8	91.07
Investment Securities	38.37	126.06	255.45	265.27	240.46
Trading Asset Securities	15.22	19.03	17.45	16.07	14.38
Mortgage-Backed Securities	1,387	998.32	560.51	708.1	978.4
Total Investments	1,441	1,143	833.41	989.45	1,233
Gross Loans	3,857	4,022	4,204	4,244	3,807
Allowance for Loan Losses	-38.14	-35.18	-37.54	-42.62	-38.97
Net Loans	3,819	3,987	4,166	4,201	3,768
Property, Plant & Equipment	45.73	49.76	54.97	59.13	59.88
Goodwill	-	41.01	41.01	41.01	41.01
Loans Held for Sale	-	4.9	-	-	-
Accrued Interest Receivable	20.12	19.08	18.49	17.43	14.57
Long-Term Deferred Tax Assets	-	29.11	34.24	43.36	23.24
Other Real Estate Owned & Foreclosed	-	-	-	-	0.1
Other Long-Term Assets	218.04	188.43	180.98	173.66	177.45
Total Assets	5,754	5,666	5,598	5,601	5,431
Accrued Expenses	36.34	16.66	18.83	18.62	14.55
Interest Bearing Deposits	3,138	3,307	3,085	3,083	3,043
Institutional Deposits	142.04	124.68	98.22	214.08	228.04
Non-Interest Bearing Deposits	736.25	706.98	694.9	852.66	898.49
Total Deposits	4,016	4,138	3,878	4,150	4,169
Short-Term Borrowings	-	196.27	181.39	194.18	7.68
Current Portion of Long-Term Debt	-	-	25	87.5	120
Current Portion of Leases	-	6.2	-	-	-
Long-Term Debt	61.67	61.44	61.22	86	25
Federal Home Loan Bank Debt, Long-Term	900.22	475.29	657.79	282.5	270
Long-Term Leases	29.64	26.01	35.21	39.79	39.85
Pension & Post-Retirement Benefits	-	0.97	1.05	0.82	0.98
Other Long-Term Liabilities	20.28	40.38	40.04	40.29	43.26
Total Liabilities	5,064	4,962	4,899	4,900	4,691
Common Stock	690.06	0.65	0.65	0.65	0.65
Additional Paid-In Capital	-	591.34	590.97	590.25	589.97
Retained Earnings	-	440.76	433.23	418.35	381.36
Treasury Stock	-	-294.71	-278.62	-243.88	-217.1
Comprehensive Income & Other	-	-33.34	-46.78	-63.98	-15
Shareholders' Equity	690.06	704.7	699.45	701.39	739.88
Total Liabilities & Equity	5,754	5,666	5,598	5,601	5,431
Total Debt	991.52	765.21	960.6	689.97	462.53
Net Cash (Debt)	-812.36	-578.43	-713.64	-628.1	-357.08
Net Cash Per Share	-20.22	-13.89	-16.35	-13.53	-7.32
Filing Date Shares Outstanding	41.8	43.12	44.46	46.85	48.94
Total Common Shares Outstanding	41.8	42.9	44.52	47.44	49.27
Book Value Per Share	16.51	16.43	15.71	14.78	15.02
Tangible Book Value	690.06	663.68	658.43	660.38	698.87
Tangible Book Value Per Share	16.51	15.47	14.79	13.92	14.19

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

SEC Filings: 10-K · 10-Q