# NORTHFIELD BANK
STATEN ISLAND, NY · FDIC certificate 28710 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.50B | |
| Deposits | $4.01B | |
| Loans and leases | $3.71B | |
| Total equity | $721.3M | |
| Loans / deposits | 91.69% (p65 of band) | 87.10% |
| Liquid assets / assets | 26.97% (p69 of band) | |
| Uninsured deposits / deposits | 50.35% (p91 of band) | 30.76% |
| Brokered deposits | 0.55% | |
| Wholesale funding | 12.96% (p73 of band) | |
| FHLB advances / assets | 10.65% | |
| Tier 1 leverage | 13.13% (p85 of band) | 10.50% |
| Unrealized securities loss / equity | -1.55% (p84 of band) | -7.75% |
| AOCI / equity | -0.47% (p37 of band) | |
| ROA (annualized) | 0.94% (p26 of band) | 1.26% |
| Net interest margin | 2.86% (p11 of band) | 3.70% |
| Efficiency ratio | 52.25% (p29 of band) | |
| Noncurrent loans | 0.62% (p58 of band) | 0.51% |
| Net charge-offs (annualized) | 0.19% (p85 of band) | |
| Reserve coverage of noncurrent | 160.69% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 4.29% (p7 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.6% | |
| Employees | 363 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2014-03 | 5 | assets shrinking |  |
| 2014-06 | 4 |  | assets shrinking |
| 2014-09 | 2 | loans exceed deposits | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | capital falling |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 2 |  | loans exceed deposits |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 0 |  | wholesale funding >15%, capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 0 |  | charge-offs p90 |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | wholesale funding >15% |  |
| 2023-03 | 4 | loans exceed deposits, charge-offs p90, deposits shrinking |  |
| 2023-06 | 3 |  | charge-offs p90 |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | NIM <2.5% |  |
| 2024-03 | 4 | capital falling | deposits shrinking |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | capital falling |
| 2024-12 | 2 |  | loans exceed deposits |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | NIM <2.5% |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | expense ratio p90 |  |
| 2026-03 | 2 | uninsured deposits >50% | expense ratio p90 |
| 2026-06 | 1 |  | wholesale funding >15% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-04 [NJ banks to merge in $597M deal - Banking Dive](https://news.google.com/rss/articles/CBMipAFBVV95cUxNQVY1RGVzdHNsakV6bjJ6NjBJakY0bW82VGxQdkN3bnVqT3M4T3E0RUhobmZTMFpqSnoxa1Z3N2pja2V0aHYxYmYxUjJpeG9PQWRmTGdwU2IyRzBMLWJKUHQ4TDhObnhQVkV2TE5BOWs5cVhWUWtPRzZZMXNmRXZTYXRVXzF4Vm1iS25kbHJqLWlvVnNIMUxsMTlrLXZ4dVFLQl85Ng?oc=5) · Banking Dive
- 2026-03-21 [On Columbia Financial Loan Disparities Bode Badly for NY Northfield Proposal FFW to Fed - Inner City Press](https://news.google.com/rss/articles/CBMid0FVX3lxTE1EWHFsekdLbVpWbkNfdHRvSFh3dmZsd1ZvMU1wQ2x6eFJLSXpZMmdZTU9FMlpQMDRwcW9pWUlWdkF1ZjlLM1JrWmJJSGdsd0VVeXV1OTM0QzFmYi0xRm11bFRLbGFfZ3o3WjdWMTRUYVpYNkVsNnVr?oc=5) · Inner City Press
- 2026-07-20 [Columbia Bank names Maichin to lead New York commercial banking - ROI-NJ](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNVWI2U3hmaWpvMklWWWxzMmc5ZUFCUm1RWGhBbUlWMUNvMUJMX3ZSMmZIVGd6NDNRenI3V21KdXo0Q0hqLVcwdGdGWms3VmVBM0NMYWcxLTItaVoxekNrZXR2SVBYVkJUUmZpY2YzQUZEU2E3Y2ZXa3JkVnZBaDU5eWZjbzJ2RC1YSWF0VkpNTU9PTlkwd05seVBRanNYY1JXSWJCQVJUWGVNQQ?oc=5) · ROI-NJ
- 2024-07-12 [Northfield Bank to close one of its Staten Island branches in September: What you need to know - SILive.com](https://news.google.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?oc=5) · SILive.com
- 2026-02-02 [Columbia, Northfield to merge in $597M NJ bank deal - NJBIZ](https://news.google.com/rss/articles/CBMiakFVX3lxTE1WRktOSFBHMFd3QnVNc0RQQmV3YUoxbXcxMGdVR1kwSnA1ejN3S0hQRmlrNUVER1lSRXVxdFdjNFpCWjlHaTVxWkZMaHNEZkh5UGFRODJ3MWZSQ04xYkUyT3c1Wk5tUXJTTVE?oc=5) · NJBIZ
- 2023-12-12 [Northfield Bank (NY) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiggFBVV95cUxPUXV5bjE0dDVrajF2STFIM1ByMFJ1TFVPTkFYeG1nSndLLTNuY2NaQTRKd3NYS2RiUE1DdDBLY0RobzlndUoxUklCdmVUdE1xWGtjZzBvQmp4NkVVSkRocGdXdjczYlV2ekxmSVA1VnhjaVE5OUp5R0FoX3BkM3R6dnNR?oc=5) · SmartAsset
- 2026-02-02 [Columbia Financial, Inc. and Northfield Bancorp, Inc. Announce Plans to Merge - GlobeNewswire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPVnlqZ182Tkswd1l3VG94SUllcThfZE0za2lNd25zQmsyZGx0cTROR2Nxejc3QXZBYXdPamlsZ01vN3ktYjF0NEJoSVNoN1JMM2Mya1R6WU1PbEI1TGlndDlTbHNXMnhxT2IzcXFZc01NbWFnY05vb05vbHRSN0VnYXpDZ0tUZFNrd0F0bU1GQUhHZnp5VWVRc3FTY2FTRHVXWEhseWJBSVlqdGRlZ0JFM2VKbzVoYXlIWEpBRGFGTDhoUTNCU0NHSEptVEFMSE9mcHJPdVhZSmtIdGE5T2c?oc=5) · GlobeNewswire
- 2019-03-25 [Northfield Bank hosts grand opening for new Court Street branch - The Brooklyn Home Reporter -](https://news.google.com/rss/articles/CBMiowFBVV95cUxPU0pFTkk5WkJCX3ZuWnNUZU5QNXoxbFJzVmdEdnVnV3BTaTM0ckxVVkpwZmJFSWd4ajV5Z042V0ZKQnVLQVBVZVdnOEpKTzBUVUM2VXdpTG9iOTRSbU9rTFpXOEZLMFpHTGpLbGFCS0kzaGNudmRuWW0wM21BN3dWME5VbldZd011V1p1b29aNFp2dW1SeGs5LWc1VFhvQ3QxVUxz?oc=5) · The Brooklyn Home Reporter -

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28710 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "28710", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide