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Northfield Bancorp
Northfield Bancorp (NFBK) investor relations material
Northfield Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary2 Feb, 2026
Executive summary
Announced a strategic merger agreement with Columbia Financial Inc. and declared a $0.13 per share cash dividend payable in February 2026.
Reported a net loss of $27.4 million for Q4 2025, primarily due to a $41.0 million non-cash, non-tax deductible goodwill impairment charge; full-year 2025 net income was $796,000.
Excluding the goodwill impairment, Q4 financial results were strong, with improved net interest margin and asset quality.
Financial highlights
Net interest income for Q4 2025 rose to $36.7 million, up $2.2 million from the prior quarter and $7.0 million year-over-year.
Net interest margin increased to 2.70% in Q4 2025, up 16 bps sequentially and 52 bps year-over-year.
Full-year 2025 net interest income was $137.4 million, up $22.9 million (20%) from 2024, driven by lower funding costs and higher yields.
Provision for credit losses on loans increased to $7.4 million for 2025, up $3.1 million year-over-year, reflecting a worsening macroeconomic outlook.
Non-interest expense for 2025 rose by $43.3 million to $129.9 million, mainly due to the goodwill impairment.
Non-interest income for 2025 was $17.0 million, up slightly from 2024, with higher bank-owned life insurance income and fees offset by lower property sale gains.
Outlook and guidance
Strategic focus remains on growing non-multifamily loan portfolios and low-cost deposits, with continued emphasis on prudent lending standards and asset quality.
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Next Northfield Bancorp earnings date
Q1 202623 Apr, 2026
Northfield Bancorp
Next Northfield Bancorp earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Northfield Bancorp, Inc. operates as the holding company for Northfield Bank, a full-service community bank. The bank offers a range of financial products and services to individuals, businesses, and organizations. Key offerings include personal and business checking and savings accounts, residential and commercial mortgage loans, home equity lines of credit, and small business loans. The company also provides online and mobile banking services, including bill payment and remote deposit capture. Northfield Bancorp serves customers primarily in New York and New Jersey through a network of branches. The company is headquartered in Staten Island, New York, and its shares are listed on the NASDAQ.
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