Financial Performance - Net income for the nine months ended September 30, 2023, was $29.4 million, down from $47.0 million for the same period in 2022, representing a decrease of 37.8%[172] - Basic and diluted earnings per share decreased to $0.67 for the nine months ended September 30, 2023, compared to $1.01 for the same period in 2022, a decline of 33.7%[172] - Net income for the quarter ended September 30, 2023, was $8.2 million, down from $17.0 million in the same quarter of 2022, reflecting a decrease of $8.8 million[204] Assets and Liabilities - Total assets decreased by $164.2 million, or 2.9%, to $5.44 billion at September 30, 2023, from $5.60 billion at December 31, 2022[173] - Total liabilities decreased by $146.9 million, or 3.0%, to $4.75 billion as of September 30, 2023, from $4.90 billion at December 31, 2022[185] - Deposits decreased by $481.7 million, or 11.6%, to $3.67 billion at September 30, 2023, compared to $4.15 billion at December 31, 2022[186] Income and Expenses - Interest income increased by $23.4 million, or 17.9%, to $154.3 million for the nine months ended September 30, 2023, compared to $130.9 million for the same period in 2022[190] - Interest expense increased by $46.6 million, or 389.7%, to $58.6 million for the nine months ended September 30, 2023, compared to $12.0 million for the same period in 2022[191] - Net interest income decreased by $23.2 million, or 19.5%, to $95.7 million for the nine months ended September 30, 2023, from $119.0 million for the same period in 2022[192] - Non-interest income increased by $3.5 million, or 73.6%, to $8.3 million for the nine months ended September 30, 2023, from $4.8 million for the same period in 2022[194] - Non-interest expense increased by $7.2 million, or 13.0%, to $62.5 million for the nine months ended September 30, 2023, compared to $55.3 million for the same period in 2022[196] Interest Rate Risk Management - The estimated change in net portfolio value (NPV) for a 400 basis point increase in interest rates would result in a 17.19% decrease in NPV[243] - A 200 basis point decrease in interest rates would lead to a 4.94% increase in estimated NPV and a 4.53% increase in net interest income in the first year[245] - The company has implemented strategies to manage interest rate risk, including shortening the average term of interest-earning assets[239] - The management asset-liability committee is responsible for evaluating interest rate risk and recommending appropriate risk levels to the board[238] Credit Quality - The provision for credit losses on loans decreased by $2.2 million to $1.1 million for the nine months ended September 30, 2023, compared to $3.3 million for the same period in 2022[193] - Non-performing loans to total loans remained stable at 0.24% as of September 30, 2023, consistent with the previous year[1] - Loans 30 to 89 days delinquent increased to $8,105 million from $3,644 million year-over-year, representing a significant increase of approximately 122.5%[1] Regulatory Compliance - The Community Bank Leverage Ratio (CBLR) for Northfield Bank is 12.94% as of September 30, 2023, exceeding the minimum requirement of 9%[233] - Northfield Bank and Northfield Bancorp, Inc. exceeded all regulatory capital requirements as of September 30, 2023[232] Cash and Liquidity - Cash and cash equivalents increased by $34.8 million, or 75.9%, to $80.6 million at September 30, 2023, primarily due to excess cash from borrowings and proceeds from securities[176] - The Bank has the ability to obtain additional funding from the FHLBNY of approximately $1.35 billion utilizing unencumbered securities and loans[1] - The company expects to have sufficient funds available to meet current commitments in the normal course of business[1] Internal Controls - The company reported no changes in internal control over financial reporting that materially affected its operations during the three months ended September 30, 2023[249] - The management concluded that the company's disclosure controls and procedures were effective as of September 30, 2023[248]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from __________ to __________ Commission File Number: 001-35791 (Former name, former address, and former fiscal year, if changed since last report) Securities registered pursuant ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from __________ to __________ Commission File Number: 001-35791 Northfield Bancorp, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of in ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2022 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from _______________ to _________________ Commission File No. 001-35791 Northfield Bancorp, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdictio ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from __________ to __________ Commission File Number: 001-35791 Northfield Bancorp, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction o ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 581 Main Street, Woodbridge, New Jersey 07095 (Address of principal executive offices) (Zip Code) For the quarterly period ended June 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from __________ to __________ Commission File Number: 001-35791 Northfield Bancor ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from __________ to __________ Commission File Number: 001-35791 Northfield Bancorp, Inc. (Exact name of registrant as specified in its charter) (I.R.S. Employer Identification No ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2021 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from _______________ to _________________ Commission File No. 001-35791 Northfield Bancorp, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdictio ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from __________ to __________ Commission File Number: 001-35791 Northfield Bancorp, Inc. (Exact name of registrant as specified in its charter) Delaware 80-0882592 (I.R.S. Em ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from __________ to __________ Commission File Number: 001-35791 Northfield Bancorp, Inc. (Exact name of registrant as specified in its charter) Delaware 80-0882592 (I.R.S. Employe ...