Peer Analysis

Performance Ratios (%) NFBK Peer Median Peer Average
ROAA 0.78 0.83 0.90
ROAE 5.53 6.95 6.89
Net Interest Margin 2.53 2.63 2.79
Efficiency Ratio 53.03 57.60 54.07
Loans / Deposits 99.11 99.15 102.29
Asset Quality Ratios (%)
NPAs / Assets 0.44 0.50 0.55
NCOs / Avg Loans (0.03) 0.01 0.02
Reserves / Loans 1.07 0.83 0.78
Reserves / NPAs 174.29 92.35 173.87
Capital Ratios (%)
Tier 1 Capital NA 13.76 15.65
Tangible Equity / Tangible Assets 13.46 11.12 11.07
Total Equity / Total Assets 14.13 13.14 12.99
Market Ratios
Price / Earnings (x) 12.00 9.54 10.93
Price / Book (%) 68.03 61.16 64.88
Dividend Yield (%) 4.47 4.19 4.08
Data for trailing four quarters

Northfield Bancorp, Inc.'s peer group consists of the following: ESSA Bancorp, Inc. (ESSA), Kearny Financial Corp. (KRNY), OceanFirst Financial Corp. (OCFC), Oritani Financial Corp.

Northfield Bancorp, Inc.'s financial data is as of 6/30/2020.

Peer financial data is as of 6/30/2020 except for these companies:

Oritani Financial Corp.'s financial data is as of 9/30/2019.