NorthField | 8-K: FY2026 Q1 Revenue: USD 66.32 M

Revenue: As of FY2026 Q1, the actual value is USD 66.32 M.EPS: As of FY2026 Q1, the actual value is USD 0.3, missing the estimate of USD 0.32.EBIT: As of FY2026 Q1, the actual value is USD -20.09 M.Dividend DeclarationNorthfield Bancorp, Inc. declared a cash dividend of $0.13 per common share, payable on May 20, 2026, to stockholders of record as of May 6, 2026 .Net IncomeFor the three months ended March 31, 2026: $11.8 million .For the three months ended December 31, 2025: - $27.4 million .For the three months ended March 31, 2025: $7.9 million .Net Interest IncomeFor the three months ended March 31, 2026: $37.0 million .For the three months ended December 31, 2025: $36.7 million .For the three months ended March 31, 2025: $31.8 million .Increase from Q4 2025 to Q1 2026: $296,000, or 3.2% annualized .Increase from Q1 2025 to Q1 2026: $5.2 million, or 16.3% .Net Interest MarginFor the three months ended March 31, 2026: 2.76% .For the three months ended December 31, 2025: 2.70% .For the three months ended March 31, 2025: 2.38% .Increase from Q4 2025 to Q1 2026: 6 basis points .Increase from Q1 2025 to Q1 2026: 38 basis points .Deposits (excluding brokered)Increase from December 31, 2025: $83.3 million, or 8.4% annualized .Total at March 31, 2026: $4.059 billion .Total at December 31, 2025: $3.975 billion .Cost of Deposits (excluding brokered)At March 31, 2026: 1.74% .At December 31, 2025: 1.75% .Loan BalancesDecline from December 31, 2025: $48.8 million, or 5.1% annualized, primarily in multifamily loans .Total Loans held-for-investment, net at March 31, 2026: $3.808 billion .Total Loans held-for-investment, net at December 31, 2025: $3.857 billion .Multifamily loans at March 31, 2026: $2.314 billion .Multifamily loans at December 31, 2025: $2.361 billion .Commercial and industrial loans at March 31, 2026: $173.0 million .Commercial and industrial loans at December 31, 2025: $166.2 million .Asset QualityNon-performing loans to total loans at March 31, 2026: 0.56% .Non-performing loans to total loans at December 31, 2025: 0.42% .Non-performing assets to total assets at March 31, 2026: 0.37% .Non-performing assets to total assets at December 31, 2025: 0.28% .Provision for credit losses on loans (Q1 2026): $247,000 .Provision for credit losses on loans (Q4 2025): $1.7 million .Provision for credit losses on loans (Q1 2025): $2.6 million .Net charge-offs (Q1 2026): $1.4 million .Net charge-offs (Q4 2025): $411,000 .Net charge-offs (Q1 2025): $2.8 million .Allowance for credit losses to non-performing loans (March 31, 2026): 172.93% .Allowance for credit losses to total loans held-for-investment, net (March 31, 2026): 0.97% .Small business unsecured commercial and industrial loan portfolio at March 31, 2026: $17.6 million .Non-accrual loans at March 31, 2026: $21.0 million .Non-accrual loans at December 31, 2025: $15.2 million .Accruing loans 30 to 89 days delinquent at March 31, 2026: $7.8 million .Accruing loans 30 to 89 days delinquent at December 31, 2025: $11.4 million .Non-Interest IncomeFor the three months ended March 31, 2026: $3.4 million .For the three months ended December 31, 2025: $4.7 million .For the three months ended March 31, 2025: $3.0 million .Increase from Q1 2025 to Q1 2026: $390,000, or 12.9% .Decrease from Q4 2025 to Q1 2026: $1.3 million .Income on bank-owned life insurance (Q1 2026): $1.9 million .Income on bank-owned life insurance (Q1 2025): $1.6 million .Fees and service charges for customer services (Q1 2026): $1.7 million .Non-Interest ExpenseFor the three months ended March 31, 2026: $23.3 million .For the three months ended December 31, 2025: $62.1 million .For the three months ended March 31, 2025: $21.4 million .Increase from Q1 2025 to Q1 2026: $1.8 million, or 8.5% .Decrease from Q4 2025 to Q1 2026: $38.8 million, or 62.5% .Merger-related expenses (Q1 2026): $1.7 million .Goodwill impairment charge (Q4 2025): $41.0 million .Employee compensation and benefits (Q1 2026): $12.7 million .Employee compensation and benefits (Q1 2025): $11.8 million .Income Tax ExpenseFor the three months ended March 31, 2026: $5.0 million .For the three months ended December 31, 2025: $5.0 million .For the three months ended March 31, 2025: $2.9 million .Effective tax rate (Q1 2026): 29.8% .Effective tax rate (Q1 2025): 27.0% .Total AssetsAt March 31, 2026: $5.735 billion .At December 31, 2025: $5.754 billion .Decrease from December 31, 2025: $18.8 million, or 0.3% .Cash and Cash EquivalentsAt March 31, 2026: $239.6 million .At December 31, 2025: $164.0 million .Increase from December 31, 2025: $75.7 million, or 46.1% .Debt Securities Available-for-SaleAt March 31, 2026: $1.38 billion .At December 31, 2025: $1.41 billion .Decrease from December 31, 2025: $33.9 million, or 2.4% .Unrealized losses, net of tax (March 31, 2026): Approximately $10.8 million .Federal Home Loan Bank of New York (FHLBNY) StockAt March 31, 2026: $42.2 million .At December 31, 2025: $46.6 million .Decrease from December 31, 2025: $4.4 million, or 9.4% .Other AssetsAt March 31, 2026: $28.1 million .At December 31, 2025: $35.2 million .Decrease from December 31, 2025: $7.1 million, or 20.2% .Total LiabilitiesAt March 31, 2026: $5.04 billion .At December 31, 2025: $5.06 billion .Decrease from December 31, 2025: $23.4 million, or 0.5% .Borrowed FundsAt March 31, 2026: $863.9 million .At December 31, 2025: $961.9 million .Decrease from December 31, 2025: $98.0 million .Total Stockholders’ EquityAt March 31, 2026: $694.7 million .At December 31, 2025: $690.1 million .Increase from December 31, 2025: $4.6 million .Community Bank Leverage Ratio (CBLR)Company’s estimated CBLR at March 31, 2026: 12.34% .Bank’s estimated CBLR at March 31, 2026: 13.05% .Minimum well-capitalized requirement: 9% .Tangible Book Value Per ShareAt March 31, 2026: $16.63 .At December 31, 2025: $16.51 .LiquidityOn-hand liquidity ratio at March 31, 2026: 18.3% .Primary sources of liquidity at March 31, 2026: Cash and cash equivalents ($228.0 million), Corporate bonds ($47.8 million), Multifamily loans ($1.124 billion), Mortgage-backed securities ($626.5 million) .Outlook / GuidanceNorthfield Bancorp, Inc. is progressing with its merger with Columbia Financial, Inc., focusing on regulatory and stockholder approvals and seamless integration . The company anticipates sufficient funds for normal business operations and believes its risk management practices for commercial real estate concentration are appropriate . However, regulators could potentially require additional policies or higher capital levels .