Northfield Bank (FDIC #28710): Bank Stress & Real-Estate Credit Exposure
Northfield Bank (FDIC Cert #28710): bank stress 61/100, elevated, STABLE over 7 days; parent NORTHFIELD BCORP INC.
Northfield Bank (#28710) lends in 6 counties across 2 states; Northfield Bank (#28710) reaches 168 ZIP codes: New Jersey 4 counties, 115 ZIPs; New York 2 counties, 53 ZIPs.
Northfield Bank (#28710) largest markets: Middlesex County, NJ (176 branches, 44 ZIPs) (#28710), Kings County, NY (320 branches, 40 ZIPs) (#28710), Union County, NJ (135 branches, 27 ZIPs) (#28710), Hunterdon County, NJ (78 branches, 26 ZIPs) (#28710), Mercer County, NJ (130 branches, 26 ZIPs) (#28710), Richmond County, NY (156 branches, 13 ZIPs) (#28710).
Northfield Bank (#28710) reports $5.50 billion in total assets; Northfield Bank (#28710) equity $721.2 million (13.1% of Northfield Bank (#28710) assets); Northfield Bank (#28710) domestic deposits $4.01 billion; Northfield Bank (#28710) net income $26.7 million; Northfield Bank (#28710) return on assets 0.94%; Northfield Bank (#28710) return on equity 7.33%; Northfield Bank (#28710) net interest income $76.1 million; Northfield Bank (#28710) call report June 30, 2026.
Northfield Bank (#28710) noncurrent real-estate loans: none reported; Northfield Bank (#28710) residential -0.01%; Northfield Bank (#28710) net charge-offs on real estate 0.47%; Northfield Bank (#28710) multifamily charge-offs 0.14%; Northfield Bank (#28710) residential charge-offs 1.19%.
Northfield Bank (#28710) net interest margin 2.86% against an eight-quarter Northfield Bank (#28710) average of 2.51% (Northfield Bank (#28710) compression -0.35 points); Northfield Bank (#28710) non-residential real estate 119.3% of equity; Northfield Bank (#28710) rate-exposure score 40/100, Northfield Bank (#28710) fixed-rate trap 40/100; Northfield Bank (#28710) risk type credit driven; Northfield Bank (#28710) rate regime rates elevated, Northfield Bank (#28710) snapshot October 20, 2026.
Northfield Bank (#28710) stress score moved from 59.1 on June 22, 2026 to 60.7 on October 20, 2026; Northfield Bank (#28710) ranged 59.1 to 60.7 over 117 snapshots.
Northfield Bank (#28710) alerts: 6 counties; top Northfield Bank (#28710) alert scores: Brooklyn County, NY 22 (low); Ringoes County, NY 22 (low); Staten Island County, NY 22 (low); Trenton County, NY 22 (low); Westfield County, NY 22 (low).