| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Interest income | 185,463 | - |
| Other revenues - non-interest income | 12,274 | - |
| Total consolidated revenues | 197,737 | - |
| Interest expense | 84,764 | - |
| Segment net interest income and non-interest income | 112,973 | - |
| Compensation and employee benefits | 39,025 | - |
| Provision for credit losses | 5,737 | - |
| Other segment items | 28,762 | - |
| Income tax expense | 11,251 | - |
| Segment expenses | 84,775 | - |
| Net income | 28,198 | 17,447 |
| Provision for credit losses | 5,737 | 4,668 |
| Esop and stock compensation expense | 3,188 | 2,133 |
| Depreciation | 2,421 | 1,621 |
| Amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees | 3,580 | 2,418 |
| Amortization of debt issuance costs | 168 | 112 |
| Amortization of intangible assets | 35 | 24 |
| Amortization of operating lease right-of-use assets | 3,565 | 2,367 |
| Income on bank-owned life insurance | 5,238 | 3,375 |
| Net gain on sale of loans | 0 | 0 |
| Proceeds from sale of loans held-for-sale | 0 | 0 |
| Origination of loans held-for-sale | 0 | 0 |
| Losses on available-for-sale debt securities, net | 0 | 0 |
| Gains on trading securities, net | 1,513 | 709 |
| Net sales of trading securities | -429 | -541 |
| Increase in accrued interest receivable | 333 | 163 |
| Increase in other assets | 2,021 | -1,778 |
| (decrease) increase in accrued expenses and other liabilities | -745 | -5,312 |
| Net cash provided by operating activities | 37,471 | 23,550 |
| Net decrease in loans receivable | -142,835 | -119,936 |
| Purchases of loans | 21,674 | 18,232 |
| Purchases of fhlb of new york stock | 49,678 | 34,517 |
| Redemptions of fhlb of new york stock | 39,854 | 26,747 |
| Purchases of debt securities available-for-sale | 597,763 | 471,838 |
| Purchases of equity securities | 0 | 0 |
| Proceeds from sale of equity securities | 9,261 | 7,983 |
| Principal payments and maturities on debt securities available-for-sale | 386,619 | 287,308 |
| Principal payments and maturities on debt securities held-to-maturity | 940 | 883 |
| Purchases and improvements of premises and equipment | 805 | 478 |
| Net cash used in investing activities | -90,411 | -82,208 |
| Net decrease in deposits | -164,717 | -152,290 |
| Dividends paid | 15,944 | 10,683 |
| Purchase of treasury stock | 15,224 | 15,224 |
| Decrease in advance payments by borrowers for taxes and insurance | -892 | 1,230 |
| Proceeds from borrowings and securities sold under agreements to repurchase | 4,256,039 | 1,870,500 |
| Repayments related to other borrowings and securities sold under agreements to repurchase | 4,042,341 | 1,704,982 |
| Net cash provided by financing activities | 16,921 | -11,449 |
| Net (decrease) increase in cash and cash equivalents | -36,019 | -70,107 |
| Cash and cash equivalents at beginning of period | 167,744 | - |
| Cash and cash equivalents at end of period | 131,725 | - |
Northfield Bancorp, Inc. (NFBK)
Northfield Bancorp, Inc. (NFBK)