Peer Analysis

Performance Ratios (%) NFBK Peer Median Peer Average
ROAA 0.67 0.71 0.80
ROAE 4.78 5.77 6.25
Net Interest Margin 2.52 2.62 2.76
Efficiency Ratio 53.53 57.61 53.83
Loans / Deposits 90.55 95.58 98.70
Asset Quality Ratios (%)
NPAs / Assets 0.39 0.72 0.61
NCOs / Avg Loans 0.01 0.02 0.06
Reserves / Loans 1.04 0.95 0.97
Reserves / NPAs 177.53 122.75 204.89
Capital Ratios (%)
Tier 1 Capital NA 13.78 15.21
Tangible Equity / Tangible Assets 12.89 11.11 10.97
Total Equity / Total Assets 13.55 12.91 12.82
Market Ratios
Price / Earnings (x) 16.17 17.14 15.77
Price / Book (%) 80.52 81.78 79.94
Dividend Yield (%) 3.83 3.12 3.38
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 9/30/2020.

Peer financial data is as of 9/30/2020 except for these companies:

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