{"schema_version":"secwatch.filing_event.v1","accession":"0001493225-25-000053","form_type":"8-K","ticker":"NFBK","cik":"0001493225","company_name":"Northfield Bancorp, Inc.","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.441734+00:00","generated_at":"2026-05-23T06:57:32.105984+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 Q1 EPS $0.19 vs $0.27 QoQ; NIM expands; $10M buyback approved","bullets":["Q1 2025 net income $7.9M ($0.19 diluted EPS) vs $11.3M ($0.27) in Q4 2024 and $6.2M ($0.15) in Q1 2024.","Net interest margin improved to 2.38% from 2.18% QoQ and 2.03% YoY, driven by lower funding costs and higher yields.","Provision for credit losses on loans rose to $2.6M (from $415K YoY) due to $2.8M in net charge-offs on C&I loans.","Board approved new $10M stock repurchase program; prior $5M plan completed. Dividend $0.13 payable May 21.","Deposits ex-brokered grew $133.6M (13.8% annualized); loans declined $30.7M; NPL ratio 0.48% remains low."],"urls":{"canonical":"https://secwatch.observer/filing/0001493225-25-000053","json":"https://secwatch.observer/filing/0001493225-25-000053.json","markdown":"https://secwatch.observer/filing/0001493225-25-000053.md","text":"https://secwatch.observer/filing/0001493225-25-000053.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1493225/000149322525000053/0001493225-25-000053-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1493225/000149322525000053/nfbk-20250423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T06:57:32.105984+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"}