---
schema_version: "secwatch.filing_event.v1"
accession: "0001493225-25-000075"
form_type: "8-K"
ticker: "NFBK"
cik: "0001493225"
company_name: "Northfield Bancorp, Inc."
filed_at: "2025-07-25T23:59:59+00:00"
generated_at: "2026-05-18T00:58:41.255520+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Northfield Bancorp Q2 EPS $0.24, net margin up 48 bps YoY; declares $0.13 dividend

## Summary
- Diluted EPS $0.24 vs $0.14 YoY; net income $9.6M vs $6.0M.
- Net interest margin 2.57% (+48 bps YoY); net interest income $34.4M (+19.9%).
- Credit provision $2.1M vs benefit $618k YoY; NPL/loans improved to 0.36%.
- Completed $10M stock repurchase (862k shares); dividend $0.13 payable Aug 20.
- Cost of deposits (ex-brokered) down to 1.88%; liquidity strong $800M+.

## SEC filing metadata
- accession: 0001493225-25-000075
- form_type: 8-K
- ticker: NFBK
- cik: 0001493225
- company_name: Northfield Bancorp, Inc.
- filed_at: 2025-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/1493225/000149322525000075/0001493225-25-000075-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1493225/000149322525000075/nfbk-20250723.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493225-25-000075
- JSON: https://secwatch.observer/filing/0001493225-25-000075.json
- Plain text: https://secwatch.observer/filing/0001493225-25-000075.txt

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