Welcome to our dedicated page for Northfield Banco SEC filings (Ticker: NFBK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Northfield Bancorp, Inc. (NFBK) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as filed with the U.S. Securities and Exchange Commission. Northfield Bancorp, Inc., a Delaware corporation and holding company for Northfield Bank, submits periodic and current reports that detail its financial condition, operating results, risk profile, and capital management.
Investors can review annual reports on Form 10-K and quarterly reports on Form 10-Q for comprehensive discussions of net interest income, net interest margin, funding costs, loan and deposit balances, non-interest income and expense, and asset quality. These filings also describe the company’s use of the Current Expected Credit Loss (CECL) methodology, including provisions for credit losses on loans and off-balance sheet exposures, and provide detail on non-performing loans and net charge-offs.
Current reports on Form 8-K, such as the earnings-related filings dated July 23, 2025 and October 22, 2025, furnish press releases announcing quarterly results and dividend declarations. These 8-Ks help readers track material events, including cash dividend decisions and other significant corporate developments. Additional SEC filings may cover topics such as capital and liquidity management, borrowing arrangements, and other matters relevant to a regulated savings institution.
Stock Titan enhances these filings with AI-powered summaries that highlight key points from lengthy documents, helping users quickly identify trends in earnings, capital actions, credit quality, and liquidity. Real-time updates from EDGAR, along with organized access to Forms 10-K, 10-Q, and 8-K, allow investors to monitor how Northfield Bancorp, Inc. reports its performance and risk factors across reporting periods.
Northfield Bancorp, Inc. filed an amended annual report to add Part III disclosures on directors, executive pay and governance because its proxy will be delayed amid a pending acquisition by Columbia Financial, Inc.
The filing outlines a performance‑driven 2025 compensation program for five named executive officers, tying cash incentives to diluted EPS, loan originations, deposit and transaction deposit growth, Community Reinvestment Act goals and a digital banking platform implementation. For 2025, EPS of $1.05 exceeded the $0.86 target after excluding a $41.0 million non‑cash goodwill impairment, while transaction deposits beat stretch targets and overall deposit growth fell short, producing cash incentives above target for all NEOs.
Executives also received a mix of time‑based restricted stock and performance‑based stock units linked to three‑year core return on average assets and relative peer performance. CEO Steven Klein’s 2025 total compensation was $2,059,591, about 26 times the estimated $79,322 paid to the company’s median employee, and the amendment details change‑in‑control protections and nonqualified retirement and stock ownership plans.
Northfield Bancorp, Inc. reported a sharp earnings rebound for the quarter ended March 31, 2026, posting net income of $11.8 million, or $0.30 per diluted share, compared with a net loss of $27.4 million, or $0.69 per share, in the prior quarter and net income of $7.9 million, or $0.19 per share, a year earlier. The swing versus the prior quarter largely reflects a prior-period non-cash goodwill impairment of $41.0 million, while current results include $1.7 million of merger-related expenses tied to the pending merger with Columbia Financial, Inc.
Core performance improved, with net interest income rising to $37.0 million, up $5.2 million, or 16.3%, from the first quarter of 2025, driven by higher yields on loans and mortgage-backed securities and lower funding costs. Net interest margin expanded to 2.76% from 2.70% in the trailing quarter and 2.38% a year earlier. The provision for credit losses on loans fell to $247,000 from $2.6 million a year ago, helped by lower general reserves and reduced net charge-offs.
On the balance sheet, total assets were $5.74 billion, with loans held-for-investment, net, declining by $48.8 million to $3.81 billion, primarily in multifamily real estate, reflecting a strategic effort to manage concentration risk. Deposits excluding brokered deposits grew by $83.3 million to $4.06 billion, supported by gains in transaction and savings accounts, while borrowings fell by $98.0 million as deposit growth funded more of the balance sheet. Asset quality remained sound, though non-performing loans rose to 0.56% of total loans, up from 0.42% at December 31, 2025, as one commercial mortgage moved to non-accrual status but is described as well secured.
The company highlighted a sizable commercial real estate exposure, noting that non-owner occupied commercial real estate loans were estimated at approximately 368% of total risk-based capital, and outlined ongoing risk management practices and the possibility that regulators could require additional capital or risk controls. Liquidity metrics remained solid, with an on-hand liquidity ratio of 18.3% and significant borrowing capacity against unpledged securities and multifamily loans. Regulatory capital was strong under the Community Bank Leverage Ratio framework, with estimated CBLR ratios of 12.34% for the company and 13.05% for the bank, both above the 9% well-capitalized threshold.
The Board declared a quarterly cash dividend of $0.13 per common share, payable on May 20, 2026 to stockholders of record as of May 6, 2026, underscoring continued capital return alongside preparation for the merger with Columbia Bank.
The Vanguard Group filed Amendment No. 12 to its Schedule 13G/A reporting its holdings in Northfield Bancorp Inc. The filing states 0 shares beneficially owned, representing 0% of the class. The amendment explains that Vanguard performed an internal realignment and will report certain subsidiaries and business divisions separately in reliance on SEC Release No. 34-39538 (January 12, 1998).
The filing is signed by Ashley Grim, Head of Global Fund Administration, dated 03/27/2026. It lists Vanguard's address and indicates no sole or shared voting/dispositive power over Northfield Bancorp shares as reported in this amendment.
Northfield Bancorp, Inc. executive David Fasanella, EVP, bought 7,500 shares of Common Stock in an open-market transaction at $13.07 per share. The shares were acquired indirectly through a Roth IRA, bringing that account’s holdings to 11,500 shares.
He also reports additional direct and indirect Common Stock holdings and 15,066 restricted stock units, which represent a right to receive cash equal to the value of one share of Northfield common stock on the vesting date, vesting in three equal annual installments.
Northfield Bancorp, Inc. director Paul Stahlin reported an open-market purchase of 10,000 shares of common stock on March 17, 2026 at a weighted average price of $13.19 per share. According to the disclosure, the shares were purchased at prices ranging from $13.13 to $13.20.
After this transaction, Stahlin directly owns 54,354 shares of common stock. He also holds restricted stock units tied to 4,383 underlying shares of common stock, with each unit representing a contingent right to receive cash equal to the value of one share on the vesting date. The award vests one year from the grant date.
Northfield Bancorp, Inc. outlines its community banking business, credit profile and a pending merger with Columbia Financial, Inc. The company reports total loans of $3.86 billion and total assets of $5.75 billion at December 31, 2025, with non-performing loans at 0.42% of total loans and an allowance for credit losses of $38.1 million, or 0.99% of loans.
The loan book is concentrated in multifamily and commercial real estate, which together represent more than four-fifths of loans, largely in New York and New Jersey, supplemented by construction, commercial and industrial, and residential mortgages. Asset quality metrics remain relatively modest, with non-performing assets at 0.28% of total assets and net charge-offs at 0.11% of average loans in 2025.
A key strategic development is the signed Merger Agreement with Columbia Financial, under which each Northfield share is expected to convert at the holder’s election into either Holding Company stock or cash. Depending on the final independent valuation, shareholders would receive between 1.425 and 1.465 shares of Holding Company stock or between $14.25 and $14.65 in cash per share, with cash elections capped at 30% of outstanding shares. The transaction remains subject to depositor, stockholder and regulatory approvals and is expected to close early in the third quarter of 2026.
Northfield Bancorp, Inc. filed an amended report to correct the number of restricted stock units granted to its directors and employees. The original report stated that 172,272 restricted stock units were granted, but the actual number of restricted stock units granted was 201,168. The company states there are no other changes to the earlier report.
Northfield Bancorp, Inc. reported an equity-related transaction for one of its directors. As of the filing, the director directly owned 44,354 shares of Northfield Bancorp common stock.
The director was also granted 4,383 restricted stock units (RSUs) on February 4, 2026. Each RSU represents a contingent right to receive cash equal to the value of one share of Northfield Bancorp common stock on the vesting date. The award vests one year from the date of grant, adding a cash-settled, stock-linked component to the director’s compensation and further aligning compensation with the company’s share value over that period.
Northfield Bancorp, Inc. reported that one of its directors received a new equity-based award. On 02/04/2026, the director acquired 4,383 restricted stock units (RSUs), each representing a right to receive cash equal to the value of one share of common stock at vesting. The award vests one year from the grant date.
After this award, the director beneficially owns 229,988 shares of common stock directly, 37,460 shares through a SEP account, and 21,000 shares through an IRA, plus the 4,383 RSUs held directly.
Northfield Bancorp, Inc. reported a new equity-based award to an executive vice president. On 02/04/2026, the executive received 15,066 restricted stock units, each representing a contingent right to receive cash equal to the value of one share of Northfield common stock on the vesting date.
The restricted stock units vest in three equal annual installments beginning one year after the grant date. Following this award, the executive also reports beneficial ownership of 49,924 common shares held directly, plus additional common stock through a Roth IRA, ESOP, and 401(k) accounts.