secwatch.observer — SEC 8-K summary
======================================

Issuer:     Northfield Bancorp, Inc. (NFBK)
CIK:        0001493225
Form:       8-K
Filed at:   2025-07-25T23:59:59+00:00
Accession:  0001493225-25-000075
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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+.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1493225/000149322525000075/0001493225-25-000075-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1493225/000149322525000075/nfbk-20250723.htm
  HTML page:      https://secwatch.observer/filing/0001493225-25-000075

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer