Peer Analysis

Performance Ratios (%) NFBK Peer Median Peer Average
ROAA 0.75 0.86 0.89
ROAE 5.21 7.04 6.80
Net Interest Margin 2.54 2.65 2.82
Efficiency Ratio 55.97 59.00 55.37
Loans / Deposits 100.68 105.28 107.17
Asset Quality Ratios (%)
NPAs / Assets 0.46 0.48 0.44
NCOs / Avg Loans (0.03) 0.02 0.02
Reserves / Loans 1.05 0.82 0.74
Reserves / NPAs 161.55 101.56 179.29
Capital Ratios (%)
Tier 1 Capital NA 14.00 15.37
Tangible Equity / Tangible Assets 13.38 11.12 11.09
Total Equity / Total Assets 14.06 13.35 13.10
Market Ratios
Price / Earnings (x) 12.92 9.81 11.76
Price / Book (%) 68.92 67.12 65.62
Dividend Yield (%) 4.48 4.28 4.05
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 3/31/2020.

Peer financial data is as of 3/31/2020 except for these companies:

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