Peer Analysis

Performance Ratios (%) NFBK Peer Median Peer Average
ROAA 0.86 0.91 0.93
ROAE 5.89 7.38 7.01
Net Interest Margin 2.55 2.65 2.83
Efficiency Ratio 58.82 59.41 55.72
Loans / Deposits 100.85 103.95 105.93
Asset Quality Ratios (%)
NPAs / Assets 0.47 0.36 0.36
NCOs / Avg Loans (0.04) 0.02 0.03
Reserves / Loans 0.84 0.76 0.68
Reserves / NPAs 121.76 282.69 282.69
Capital Ratios (%)
Tier 1 Capital NA 14.05 15.91
Tangible Equity / Tangible Assets 13.09 9.83 10.94
Total Equity / Total Assets 13.76 13.63 13.59
Market Ratios
Price / Earnings (x) 17.71 13.64 16.45
Price / Book (%) 106.36 95.07 94.28
Dividend Yield (%) 2.92 2.80 2.85
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 12/31/2019.

Peer financial data is as of 12/31/2019 except for these companies:

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