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Core Insights - Northfield Bancorp reported strong Q2 2025 results, with GAAP EPS of $0.24 exceeding analyst estimates of $0.23 and GAAP revenue of $38.9 million surpassing expectations of $36.53 million, reflecting significant year-over-year improvements in profitability and efficiency [1][2] Financial Performance - Q2 2025 GAAP EPS increased by 71.4% from $0.14 in Q2 2024 to $0.24 [2] - GAAP revenue rose by 23.5% from $31.6 million in Q2 2024 to $38.9 million [2] - Net income for the quarter was $9.6 million, up from $6.0 million in the prior-year period [5] - Non-interest income increased by 58.3% to $4.5 million, driven by higher trading activity and insurance income [11] Efficiency and Margins - Net interest margin improved to 2.57%, up from 2.09% a year earlier, due to lower costs on interest-bearing liabilities and higher yields on interest-earning assets [6] - The efficiency ratio decreased to 59.02% from 72.89% in Q1 2025, indicating improved operational efficiency [7] Asset Quality - Non-performing loans declined to 0.36% of total loans from 0.51% a year earlier, reflecting better asset quality [8] - The allowance for credit losses covered 256% of non-performing loans, with net charge-offs falling to $887,000 [8] Loan Portfolio and Funding - The loan portfolio saw a decline, particularly in multifamily loans, which decreased by $114.4 million from December 31, 2024, to June 30, 2025 [9] - Core non-brokered deposits increased by $36.0 million, while total deposits contracted due to a runoff of brokered deposits [10] Strategic Focus - The company is actively managing its loan book to reduce concentrations in higher-risk segments, aiming to maintain strong asset quality and regulatory capital standards [4] - Management emphasized a focus on margin expansion, careful portfolio risk management, and cost control, without providing formal guidance for future quarters [12][13]