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Northfield Bank
Staten Island, NY·FDIC Cert #28710·Charter: OCC·Est. 18870101.0·HC: NORTHFIELD BCORP INC
Total Assets
$5.8B
Q4 2025
Return on Assets
0.05%
-0.65%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
82.70%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
44
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.05%-0.65
ROE
0.42%-4.98
Efficiency
82.70%+24.19
Equity/Assets
0.00%+0.00
NPL Ratio
0.47%-0.08
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
94.32%-1.87
Charge-offs
0.11%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.5 | 0.5 | 0.5 | 0.6 | 0.6 | 0.7 | 0.7 | 0.1 |
| ROE | 3.7 | 3.7 | 3.8 | 4.5 | 4.6 | 5.1 | 5.4 | 0.4 |
| Efficiency | 69.9 | 70.3 | 67.6 | 64.3 | 59.9 | 58.8 | 58.5 | 82.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.5 | 0.8 | 0.6 | 0.5 | 0.4 | 0.5 | 0.5 |
| Charge-offs | 0.1 | 0.1 | 0.2 | 0.2 | 0.3 | 0.2 | 0.1 | 0.1 |
| Loan/Deposit | 103.8 | 104.9 | 102.6 | 95.4 | 94.8 | 96.4 | 96.2 | 94.3 |
Balance Sheet
Total Assets$5.8B
Total Deposits$4.0B
Total Loans$3.8B
Total Equity$724.2M
Profitability
ROA0.05%
ROE0.42%
Efficiency Ratio82.70%
Net Income$3.1M
Risk & Asset Quality
NPL Ratio0.47%
Charge-off Rate0.11%
Loan/Deposit94.32%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans