Northfield Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Northfield Bank of Staten Island, NY against its peer group of 895 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.90% | 1.29% | -0.39% | 22nd worst quarter |
| ROAE | 6.86% | 12.61% | -5.75% | 14th worst quarter |
| Net Interest Margin | 2.91% | 3.71% | -0.80% | 12th worst quarter |
| Efficiency Ratio | 52.20% | 58.32% | -6.12% | 32nd better half |
| PPNR / Avg Assets | 1.52% | 1.75% | -0.23% | 36th worse half |
| Yield on Earning Assets | 4.73% | 5.54% | -0.81% | 12th |
| Cost of Funds | 2.01% | 2.01% | +0.00% | 51st worse half |
| Net Interest Spread | 2.34% | 3.09% | -0.75% | 14th worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.62% | 0.52% | +0.10% | 58th worse half |
| NPA / Total Assets | 0.42% | 0.41% | +0.01% | 51st worse half |
| NCO / Avg Loans | 0.41% | 0.03% | +0.38% | 89th worst quarter |
| ACL / Total Loans | 1.00% | 1.15% | -0.15% | 30th |
| ACL / NPLs (Coverage) | 160.69% | 204.05% | -43.36% | 40th worse half |
| Texas Ratio | 3.03% | 3.58% | -0.55% | 44th better half |
| Provision / NCO | 100.92% | 173.21% | -72.29% | 34th |
| CRE / Total Capital | 362.36% | 223.76% | +138.60% | 91st worst quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Leverage Ratio | 13.13% | 10.52% | +2.61% | 85th best quarter |
| Equity / Assets | 13.11% | 10.38% | +2.73% | 85th best quarter |
| TCE / Tangible Assets | 13.11% | 9.80% | +3.31% | 88th best quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 92.61% | 88.15% | +4.46% | 64th |
| Core Deposit Ratio | 95.76% | 88.46% | +7.30% | 89th best quarter |
| Uninsured Deposit Ratio | 50.35% | 30.92% | +19.43% | 91st worst quarter |
| Borrowings / Total Assets | 12.41% | 3.92% | +8.49% | 91st worst quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.12% | 5.45% | -8.57% | 6th |
| Loan Growth (Y/Y) | -5.36% | 5.90% | -11.26% | 5th |
| Deposit Growth (Y/Y) | -0.61% | 5.07% | -5.68% | 14th |
See Northfield Bank's peers by name
The 895 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Northfield Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Northfield Bank peer analysis.