{"schema_version":"secwatch.filing_event.v1","accession":"0001493225-25-000003","form_type":"8-K","ticker":"NFBK","cik":"0001493225","company_name":"Northfield Bancorp, Inc.","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.770181+00:00","generated_at":"2026-05-27T13:55:26.086101+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Northfield Bancorp Q4 net income $11.3M ($0.27 EPS) vs $8.2M a year ago; NIM 2.18%","bullets":["Q4 2024 diluted EPS $0.27, up from $0.19 in Q4 2023 and $0.16 in Q3 2024; includes $0.06 gain from branch sale.","Full year 2024 net income $29.9M ($0.72) vs $37.7M ($0.86) in 2023; net interest income down 8.2% to $114.5M.","Net interest margin improved to 2.18% in Q4 2024, up 10 bps from Q3 2024; cost of deposits decreased.","Non-performing loans ratio improved to 0.51% from 0.75% at Sep 2024; deposits (ex-brokered) up 2.6% YoY.","Declared $0.13 per share cash dividend, payable Feb 19, 2025; record date Feb 5, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001493225-25-000003","json":"https://secwatch.observer/filing/0001493225-25-000003.json","markdown":"https://secwatch.observer/filing/0001493225-25-000003.md","text":"https://secwatch.observer/filing/0001493225-25-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1493225/000149322525000003/0001493225-25-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1493225/000149322525000003/nfbk-20250122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T13:55:26.086101+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}