---
schema_version: "secwatch.filing_event.v1"
accession: "0001493225-23-000111"
form_type: "8-K"
ticker: "NFBK"
cik: "0001493225"
company_name: "Northfield Bancorp, Inc."
filed_at: "2023-10-30T23:59:59+00:00"
generated_at: "2026-06-09T05:50:22.426189+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Northfield Q3 EPS $0.19 vs $0.37 a year ago; net interest margin compression slows to 9 bps

## Summary
- Net income $8.2M ($0.19 diluted EPS) vs $9.6M ($0.22) in Q2 2023 and $17.0M ($0.37) in Q3 2022.
- Net interest margin fell 9 bps to 2.25% (linked quarter), an improvement from 29 bps decline in Q2.
- Total deposits (ex-brokered) grew $76M (8.4% annualized) from June 30, 2023.
- Net charge-offs $2.9M on small business unsecured C&I loans; non-performing loans/total loans stable at 0.24%.
- Declared $0.13/share dividend payable Nov 22, 2023; repurchased 285,588 shares for $3.2M in Q3.

## SEC filing metadata
- accession: 0001493225-23-000111
- form_type: 8-K
- ticker: NFBK
- cik: 0001493225
- company_name: Northfield Bancorp, Inc.
- filed_at: 2023-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1493225/000149322523000111/0001493225-23-000111-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1493225/000149322523000111/nfbk-20231025.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493225-23-000111
- JSON: https://secwatch.observer/filing/0001493225-23-000111.json
- Plain text: https://secwatch.observer/filing/0001493225-23-000111.txt

## Key facts
- Earnings Releases
  Northfield Bancorp, Inc. reported the three months ended September 30, 2023 results: net income $8.2 million, EPS $0.19 per diluted share.
  - Period: the three months ended September 30, 2023
  - Net income: $8.2 million
  - EPS: $0.19 per diluted share
  - Result: reported results
  source text: reported net income of $8.2 million, or $0.19 per diluted share for the three months ended September 30, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1493225/000149322523000111/0001493225-23-000111-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.