Northfield Bancorp Inc. reported its second-quarter 2025 financial results, showcasing a significant uptick in performance. The company announced a diluted earnings per share $(EPS)$ of $0.24 for the quarter, up from $0.19 in the previous quarter and $0.14 in the same period last year. Net income for the three months ended June 30, 2025, reached $9.6 million, compared to $7.9 million in the first quarter of 2025 and $6.0 million in the second quarter of 2024. The net interest margin increased by 19 basis points to 2.57% from the previous quarter and by 48 basis points from a year ago, primarily due to lower funding costs and higher yields on interest-earning assets. The cost of deposits, excluding brokered deposits, decreased to 1.88% from 1.94% at the end of the first quarter of 2025. Asset quality improved, with non-performing loans to total loans declining to 0.36% from 0.48% in the previous quarter. For the six months ending June 30, 2025, Northfield Bancorp's net income was $17.4 million, an increase from $12.2 million in the same period in 2024. This growth was driven by a $9.6 million increase in net interest income, offset by a $4.9 million increase in the provision for credit losses on loans, a $1.3 million rise in non-interest income, and a decrease of $920,000 in non-interest expenses. Company Chairman and CEO Steven M. Klein highlighted the successful execution of strategic initiatives, including disciplined lending and deposit gathering, net interest margin expansion, and expense management. The company also declared a quarterly cash dividend of $0.13 per common share, payable on August 20, 2025, to stockholders of record on August 6, 2025. Additionally, Northfield Bancorp has completed stock repurchases totaling $15.0 million for the year.