# EDGAR Filing Document

**Accession Number:** 0001493225
**File Stem:** 0001493225-26-000051
**Filing Date:** 2026-4
**Character Count:** 151989
**Document Hash:** 8f12e22978707b39664199c2e1e26977
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001493225-26-000051.hdr.sgml**: 20260428

**ACCESSION NUMBER**: 0001493225-26-000051

**CONFORMED SUBMISSION TYPE**: 10-K/A

**PUBLIC DOCUMENT COUNT**: 23

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260428

**DATE AS OF CHANGE**: 20260428

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Northfield Bancorp, Inc.
- **CENTRAL INDEX KEY:** 0001493225
- **STANDARD INDUSTRIAL CLASSIFICATION:** SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 10-K/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-35791
- **FILM NUMBER:** 26906562

**BUSINESS ADDRESS:**
- **STREET 1:** 581 MAIN STREET
- **STREET 2:** SUITE 810
- **CITY:** WOODBRIDGE
- **STATE:** NJ
- **ZIP:** 07095
- **BUSINESS PHONE:** (732) 499-7200

**MAIL ADDRESS:**
- **STREET 1:** 581 MAIN STREET
- **STREET 2:** SUITE 810
- **CITY:** WOODBRIDGE
- **STATE:** NJ
- **ZIP:** 07095

?xml version='1.0' encoding='ASCII'? nfbk-20251231

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549** 

**FORM 10-K/A**

**Amendment No. 1** 

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| | |
|:---|:---|
| ☒ | **Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934** |
|  | **For the Fiscal Year Ended December 31, 2025** |

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**OR**

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| | |
|:---|:---|
| ☐ | **Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934** |
|  | **For the transition period from _______________ to _________________** |

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**Commission File No. 001-35791**

**<u>Northfield Bancorp, Inc.</u>**

(Exact name of registrant as specified in its charter)

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| | |
|:---|:---|
| **Delaware** | **80-0882592** |
| (State or other jurisdiction of | (I.R.S. Employer |
| incorporation or organization) | Identification No.) |

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| | | | |
|:---|:---|:---|:---|
| **581 Main Street,** | **Woodbridge,** | **New Jersey** | **07095** |
| **(Address of principal executive offices)** | **(Address of principal executive offices)** | **(Address of principal executive offices)** | **(Zip Code)** |

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**(732) 499-7200**

(Registrant's telephone number, including area code)

**Securities Registered Pursuant to Section 12(b) of the Act:**

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| | |
|:---|:---|
| **<u>Title of Each Class</u>** | **<u>Name of Each Exchange on Which Registered</u>** |
| Common Stock, par value $0.01 per share<br> NFBK | The NASDAQ Stock Market, LLC |

---

**Securities Registered Pursuant to Section 12(g) of the Act:**

**None**

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities

Act. Yes ☐ No ☒

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the

Act. Yes ☐ No ☒

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of

the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was

required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to

be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such

shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated

filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer,"

"accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.

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| | | | |
|:---|:---|:---|:---|
| Large accelerated filer | ☐ | Accelerated filer | ☒ |
| Non-accelerated filer | ☐ | Smaller reporting company | ☐ |
| Emerging growth company | ☐ |  |  |

---

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended

transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a)

of the Exchange Act.☐

Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment

of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15

U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.☒

If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial

statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements.

☐

Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of

incentive-based compensation received by any of the registrant's executive officers during the relevant recovery period

pursuant to §240.10D-1(b). ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes ☐ No

☒

The aggregate market value of the voting and non-voting common equity held by non-affiliates of the registrant,

computed by reference to price at which the common equity was last sold on June 30, 2025 was $437.7 million.

As of February 27, 2026, there were 41,763,997 outstanding shares of the registrant's common stock.

**DOCUMENTS INCORPORATED BY REFERENCE**

None.

**EXPLANATORY NOTE**

Northfield Bancorp, Inc. (also referred to as the "Bancorp"), the parent of Northfield Bank (collectively the

"Company"), is filing this Amendment No. 1 on Form 10-K/A (this "Amendment") to amend Bancorp's Annual Report on

Form 10-K for the year ended December 31, 2025 (the "Original Filing"), as filed with the Securities and Exchange

Commission (the "SEC") on March 2, 2026 (the "Original Filing Date").

Bancorp is filing this Amendment to present the information required by Part III of Form 10-K as Bancorp will not

file its definitive annual proxy statement within 120 days of its fiscal year ended December 31, 2025 due to the pending

acquisition of Bancorp by Columbia Financial, Inc.

Other than the inclusion of information for Part III of the Form 10-K, no other changes have been made to the

Original Filing. The Original Filing continues to speak as of the Original Filing Date, and Bancorp has not updated the

disclosures contained therein to reflect events that may have occurred subsequent to the Original Filing Date. Accordingly,

this Amendment should be read in conjunction with the Original Filing and Bancorp's other filings with the SEC.

**NORTHFIELD BANCORP, INC.**

**FORM 10-K/A**

**TABLE OF CONTENTS**

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| | | |
|:---|:---|:---|
|  |  | **<u>Page</u>** |
|  | **<u>[PART III](#icc2ce5f7c5b446f088fa9f1094ea378c_184)</u>** |  |
| Item 10. | [Directors, Executive Officers and Corporate Governance](#icc2ce5f7c5b446f088fa9f1094ea378c_544) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | [2](#icc2ce5f7c5b446f088fa9f1094ea378c_544) |
| Item 11. | [Executive Compensation](#icc2ce5f7c5b446f088fa9f1094ea378c_588) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | [13](#icc2ce5f7c5b446f088fa9f1094ea378c_588) |
| Item 12. | [Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters](#icc2ce5f7c5b446f088fa9f1094ea378c_596)  | [37](#icc2ce5f7c5b446f088fa9f1094ea378c_596) |
| Item 13. | [Certain Relationships and Related Transactions, and Director Independence](#icc2ce5f7c5b446f088fa9f1094ea378c_605) . . . . . . . . . . . . . . . . . . . . . | [40](#icc2ce5f7c5b446f088fa9f1094ea378c_605) |
| Item 14. | [Principal Accountant Fees and Services](#icc2ce5f7c5b446f088fa9f1094ea378c_614) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | [41](#icc2ce5f7c5b446f088fa9f1094ea378c_614) |
|  | **<u>PART IV</u>** |  |
| Item 15. | [Exhibits and Financial Statement Schedules](#icc2ce5f7c5b446f088fa9f1094ea378c_628) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | [43](#icc2ce5f7c5b446f088fa9f1094ea378c_628) |
| Signatures  | . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | [44](#icc2ce5f7c5b446f088fa9f1094ea378c_1099511628410) |

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**PART III**

**ITEM 10.<u>DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE</u>**

**Board of Directors**

The below details include for each of our directors: their name; age as of December 31, 2025; year in which they

first became a director of the Bancorp; year that their term expires; and their business experience for at least the past five

years. None of the directors listed below currently serves as a director, or served as a director during the past five years, of

a publicly-held entity (other than the Bancorp), with the exception of (i) Mr. Klein who serves on the board of directors of

Middlesex Water Company, which is traded on the NASDAQ Stock Market, under the symbol "MSEX," and (ii) Mr.

Stahlin who serves on the board of directors of Miami International Holdings, Inc., which is traded on the New York Stock

Exchange, under the symbol "MIAX."

The following details also include the particular experience, education, qualifications, attributes, or skills

considered by the Nominating and Corporate Governance Committee (the "Nom/Gov Committee") that led the Board of

Directors (the "Board") to conclude that such person should serve as a director of the Company. Except as indicated herein,

there are no arrangements or understandings between the directors and any other person pursuant to which such directors

were selected.

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| | |
|:---|:---|
| ![Annette Catino-04.jpg](nfbk-20251231_g1.jpg)<br>**Age: 69** <br>**Director Since: 2003**<br>**Term expires in 2026** | **ANNETTE CATINO**<br>**Healthcare Executive and Entrepreneur**<br>|
| ![Annette Catino-04.jpg](nfbk-20251231_g1.jpg)<br>**Age: 69** <br>**Director Since: 2003**<br>**Term expires in 2026** | Ms. Catino is a nationally recognized healthcare executive and entrepreneur. Ms. Catino <br>has over 40 years of business experience in leadership in the healthcare and insurance <br>industry and has worked extensively with large employers, and municipal and state <br>governmental entities. Ms. Catino speaks throughout the country on topics of leadership, <br>the future of healthcare policy, women in the workplace, and entrepreneurship. Ms. Catino <br>currently provides strategic advisory services to the health care industry as an independent <br>consultant. She is also designated as an audit committee financial expert under the SEC's <br>rules and regulations. Besides audit and strategic planning, Ms. Catino has experience in <br>finance and capital markets, human capital and compensation. <br>**Career Highlights**<br>•Complete Care Management, a privately held senior housing and long-term care <br>operator in the Northeast, Director of Mergers & Integration (2020 – present)<br>•Strategic Consultant to St. Joseph's Health System, Paterson, NJ (2021 - present)<br>•QualCare Alliance networks (sold to Cigna (NYSE: CI), a global health service <br>company), President and Chief Executive Officer (1991 - 2017) <br>**Other Experience**<br>•Director, Northfield Bank Foundation<br>•Independent Director and Audit Committee member, Healthier New Jersey <br>Insurance Company d/b/a Braven Health (joint venture among Horizon Health <br>Services Inc. d/b/a Horizon Blue Cross Blue Shield of New Jersey, Hackensack <br>Meridian Health Inc., and RWJ Barnabas Health Inc.)<br>•Chairman, Board of Directors, Pure Inventions, LLC<br>•Chair, Board Member, K-16 Solutions Inc.<br>•Board Member, Claros Analytics LLC<br>•Served on New Jersey Governor Christie's transition committee on healthcare<br>•Former member of the Board and Audit Committee Chair, University Hospital<br>•Former member of the Board, Desert Mountain Club<br>**Education**<br>•Graduate of Montclair University<br>•Master's Degree in Business Administration, CUNY Baruch College and Mt. <br>Sinai School of Medicine<br>|

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|:---|:---|
| ![John Connors.jpg](nfbk-20251231_g2.jpg)<br>**Age: 69** <br>**Director Since: 2002**<br>**Term expires in 2026** | **JOHN P. CONNORS, JR.**<br>**Sole Member and Managing Attorney of Connors & Connors, P.C.**<br>|
| ![John Connors.jpg](nfbk-20251231_g2.jpg)<br>**Age: 69** <br>**Director Since: 2002**<br>**Term expires in 2026** | Mr. Connors has over 40 years of business experience as a practicing trial attorney. Mr. <br>Connors is admitted to practice in the state and federal courts of New York and New <br>Jersey and the District of Columbia. His law firm, consisting of eight attorneys and seven <br>legal professionals, represents several insurance companies, an electric utility company, a <br>large truck rental and leasing company, a membership warehouse, a paper recycling <br>company, a financial institution, Lincoln Center for the Performing Arts, Fortune 500 <br>corporations, and catholic parishes and religious orders within the Archdiocese of New <br>York. Mr. Connors is involved in local, professional and community organizations <br>including the Richmond County and New York State Bar Associations. <br>Mr. Connors has strong risk management skills and in-depth knowledge of contract and <br>professional liability law related to key areas of the Company's operations. Mr. Connors <br>also has significant knowledge of and relationships with the residents and businesses <br>located in Staten Island, New York.<br>**Career Highlights**<br>•Law Firm of Connors & Connors, P.C., located in Staten Island, New York, <br>Managing Partner (1990 – present)<br>**Other Experience**<br>•Trustee, Notre Dame Academy<br>•Director, Snug Harbor Cultural Center<br>•Director, Northfield Bank Foundation<br>•Member, External Advisory Committee of the Georgetown University Alumni <br>and Student Credit Union<br>•Past Chair, New York State Bar Association Trial Section<br>•Past President, Richmond County Bar Association<br>**Education**<br>•Graduate of Georgetown University<br>•J.D., Georgetown University Law Center<br>|

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|:---|:---|
| ![Paul V. Stahlin-04.jpg](nfbk-20251231_g3.jpg)<br>**Age: 73** <br>**Director Since: 2019**<br>**Term expires in 2026** | **PAUL V. STAHLIN**<br>**Former Financial Services Executive and Active Board Member**<br>|
| ![Paul V. Stahlin-04.jpg](nfbk-20251231_g3.jpg)<br>**Age: 73** <br>**Director Since: 2019**<br>**Term expires in 2026** | In addition to his banking industry knowledge and experience for more than 45 years, Mr. <br>Stahlin is a licensed Certified Public Accountant, a Chartered Global Management <br>Accountant and a Fellow Chartered Management Accountant. He is also designated as an <br>audit committee financial expert under the SEC's rules and regulations. In addition to his <br>expertise in audit, Mr. Stahlin is an experienced CEO and business leader. <br>**Career Highlights**<br>•Fulton Financial Corporation<br>•Regional President of Fulton Bank of New Jersey (2005 - 2014)<br>•Chief Executive Officer and/or President of its banking affiliates, including <br>Somerset Valley Bank and Skylands Community Bank (2005 - 2014)<br>•Fleet Credit Card Services (acquired by Bank of America) and predecessor <br>banks, EVP and CFO (Last Position) (1980 - 2005)<br>•Price Waterhouse & Co., Senior Accountant (1974 - 1980) <br>**Other Experience**<br>•Director, Chairman-Audit Committee, Miami International Holdings Inc., parent <br>(MIAX-NYSE)<br>•Vice Chairman, Robert Wood Johnson University Hospital<br>•Former Chairman of the Board, American Institute of CPA's<br>•Trustee, RWJ Barnabas Health, Inc. <br>•Director, Northfield Bank Foundation<br>•Member, Governing Council of the American Institute of Certified Public <br>Accountants<br>•Former Member of the Board, Association of International Certified Professional <br>Accountants<br>•Former Member of the Executive Committee and Board, Chartered Institute of <br>Management Accountants<br>•Member and Former President, New Jersey Society of CPA's<br>•Former President, Montclair State University Foundation Board<br>**Education**<br>•B.S., Graduate of Montclair State University<br>|

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|:---|:---|
| ![Gil Chapman.jpg](nfbk-20251231_g4.jpg)<br>**Age: 72** <br>**Director Since: 2005**<br>**Term expires in 2028** | **GIL CHAPMAN**<br>**Retired Automobile Executive**<br>|
| ![Gil Chapman.jpg](nfbk-20251231_g4.jpg)<br>**Age: 72** <br>**Director Since: 2005**<br>**Term expires in 2028** | Mr. Chapman is a retired Automobile Executive with over 25 years of business experience <br>owning and operating an automobile dealership in Staten Island, New York. Mr. Chapman <br>has strong marketing, sales, and customer service skills. He has significant experience in <br>employee development, training, and business management. Mr. Chapman is also <br>designated as an audit committee financial expert under the SEC's rules and regulations.<br>**Career Highlights**<br>•Island Ford, Owner (1986 - 2008)<br>**Other Experience**<br>•Member, National Association of Corporate Directors <br>•Member, Westfield Foundation Cornerstone Society of Westfield, NJ<br>**Education**<br>•Graduate of University of Michigan – Ann Arbor<br>•M.A., Rutgers University – Newark<br>|

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|:---|:---|
| ![Tim Harrison-07.jpg](nfbk-20251231_g5.jpg)<br>**Age: 68** <br>**Director Since: 2013**<br>**Term expires in 2027**  | **TIMOTHY C. HARRISON** <br>**Real Estate Developer**<br>|
| ![Tim Harrison-07.jpg](nfbk-20251231_g5.jpg)<br>**Age: 68** <br>**Director Since: 2013**<br>**Term expires in 2027**  | Mr. Harrison is a licensed attorney in the State of New York and the Commonwealth of <br>Pennsylvania. Mr. Harrison has extensive knowledge of real estate development and real <br>estate law and possesses strong finance and audit skills. He is also designated as an audit <br>committee financial expert under the SEC's rules and regulations. <br>Mr. Harrison is involved in several local professional and community organizations.<br>**Career Highlights**<br>TCH Realty & Development Co., LLC, and affiliated partnerships, companies that <br>develop retail, office and residential projects, including affordable housing projects. Many <br>of these projects involve the remediation of blighted or contaminated properties. <br>•Principal (2001 – present)<br>**Other Experience**<br>•Director, Northfield Bank Foundation<br>•First Vice Chair, Board of Directors, Project Hospitality, Staten Island, NY<br>•Chair, Board of Trustees, Richmond University Medical Center, Staten Island, <br>NY<br>•Director, Healthcare Trustees of NYS, a division of the Healthcare Association <br>of NYS, Inc.<br>**Education**<br>•Graduate of Dartmouth College<br>•J.D., University of Virginia Law School <br>•LLM, Tax Law, New York University Law School <br>Mr. Harrison has served as the Lead Independent Director since 2024.<br>|

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|:---|:---|
| ![Karen Kessler-2024.jpg](nfbk-20251231_g6.jpg)<br>**Age: 69**<br>**Director Since: 2013**<br>**Term expires in 2027** | **KAREN J. KESSLER**<br>**President of Kessler PR Group**<br>|
| ![Karen Kessler-2024.jpg](nfbk-20251231_g6.jpg)<br>**Age: 69**<br>**Director Since: 2013**<br>**Term expires in 2027** | Ms. Kessler is President of Kessler PR Group and has more than 30 years of experience in <br>the public relations industry specializing in reputation management and communication <br>counseling for high-profile individuals, both public and private corporations, large <br>educational institutions and leading not-for-profits. The firm's clients are international, <br>national, and regional.<br>Ms. Kessler has extensive experience as a leader in the public relations/crisis <br>communication industry. In 2023, she and her firm were recognized by the prestigious <br>Chambers and Partners international legal ranking firm for their impacts in both Crisis and <br>Risk Management as well as Litigation Support. Kessler PR Group was the *only* PR firm <br>headquartered in New Jersey to be ranked in those categories, and one of 15 nationwide. <br>Additionally, Ms. Kessler was named to the NJBIZ and BINJE 2026 Power 100 list. Ms. <br>Kessler was awarded the NJ Chamber of Commerce Champion of the C-Suite, and BINJE <br>top women owned businesses in 2026. She was honored with the 2024 Caren Franzini <br>Award from the NJBIA. She is an NJBIZ Women in Business Lifetime Achievement <br>awardee, a 2023 PRNews Agency Elite Top 100 Recipient, NJBIZ Top 5 PR firms, and <br>frequent speaker on the topics of corporate and board best practices, corporate reputation, <br>and women in leadership. Her commentary and interviews have appeared in The Wall <br>Street Journal, The New York Times, The Washington Post, The Star Ledger, Daily Mail <br>and on CNN, MSNBC, and Inside Edition, among others.<br>Ms. Kessler possesses strong skills in risk management, communication, employee <br>relations, compliance, governance, and leadership.<br>**Career Highlights**<br>•Kessler PR Group, President (1993 – present)<br>**Other Experience**<br>•Commissioner, NJ Motion Picture & Television Commission<br>•Member, NJ Advisory Committee on Judicial Conduct and the Committee on the <br>Duration of Disbarment for Knowing Misappropriation <br>•Regularly featured panelist for the NJ State Bar Association's mid-year and <br>annual meetings<br>•Past Visiting Fellow at the Rutgers Eagleton Institute of Politics<br>•Served on the NJ Pandemic Relief Fund Advisory Board (2020) <br>•Former Chair, Institute for Ethical Leadership at Rutgers University Business <br>School <br>•Chair, Board of AllSpire Health Partners (2008 - 2015)<br>•Chair, Atlantic Health System (2008 - 2015)<br>**Education**<br>•AB, Vassar College, Economics<br>|

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|:---|:---|
| ![Steven Klein 2022.jpg](nfbk-20251231_g7.jpg)<br>**Age: 60** <br>**Director Since: 2013**<br>**Term expires in 2028** | **STEVEN M. KLEIN**<br>**Chairman, President and Chief Executive Officer of Northfield Bancorp, Inc.** <br>**and Northfield Bank**<br>|
| ![Steven Klein 2022.jpg](nfbk-20251231_g7.jpg)<br>**Age: 60** <br>**Director Since: 2013**<br>**Term expires in 2028** | Mr. Klein is a licensed Certified Public Accountant, with strong leadership and analytical <br>skills. Mr. Klein has over 35 years of experience in banking and financial reporting, <br>including SEC reporting. <br>**Career Highlights**<br>•Northfield Bancorp, Inc. and Northfield Bank (various positions 2005-2017) <br>Chief Executive Officer (2017 - present)<br>•KPMG LLP, Short Hills, New Jersey, Community Banking Practice (1986-2005)<br>**Other Experience**<br>•Director, Northfield Bank Foundation<br>•Director, Middlesex Water Company <br>•Director, Federal Home Loan Bank of New York<br>•Director, Staten Island Economic Development Corp.<br>•Trustee, Richmond University Medical Center, Staten Island, NY<br>•Director and Past Chair, New Jersey Bankers Association<br>•Director, New Jersey Chamber of Commerce<br>•Director, Brooklyn Chamber of Commerce<br>•Member, New York Bankers Association<br>•Member, American Institute of Certified Public Accountants<br>•Member, New Jersey Society of Certified Public Accountants<br>**Education**<br>•Graduate of Montclair State University<br>|

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|:---|:---|
| ![Dr. Rachana Kulkarni_CYMK.jpg](nfbk-20251231_g8.jpg)<br>**Age: 60**<br>**Director Since: 2024**<br>**Term expires in 2027** | **RACHANA A. KULKARNI**<br>**President and Managing Partner of Medicor Cardiology**<br>|
| ![Dr. Rachana Kulkarni_CYMK.jpg](nfbk-20251231_g8.jpg)<br>**Age: 60**<br>**Director Since: 2024**<br>**Term expires in 2027** | Dr. Kulkarni is President and Managing Partner of Medicor Cardiology, a leading <br>cardiology group in New Jersey, and Regional Director of Cardiology of Barnabas Health <br>Corp. Dr. Kulkarni is Board Certified in Internal Medicine, Cardiology and Nuclear <br>Cardiology. Dr. Kulkarni currently serves in leadership roles on a number of not-for-profit <br>boards, including Akshaya Patra USA, the world's largest non-governmental organization <br>supporting school meal programs. <br>Dr. Kulkarni's diverse skills, life experience, and contributions to her community, plays a <br>key role in the Company's continued development and growth. <br>**Career Highlights**<br>•Medicor Cardiology, President & CEO (2008 – present)<br>•Barnabas Health Corp, Regional Director of Cardiology (2023 – present)<br>**Other Experience**<br>•Trustee, Akshaya Patra, USA<br>•Trustee, NJ AAPI-American Association of Physicians of Indian Origin<br>•Trustee, Somerset Healthcare Foundation<br>•Former Trustee, American Heart Association – New Jersey Chapter<br>•Former Director, Executive Women of New Jersey<br>•Past President - American Heart Association New Jersey<br>**Education** <br>•Government Medical College, India - Medical Degree<br>•Rutgers University - Medical Degree<br>•Auburn University, Master's Degree in Business Administration<br>•Harvard Business School, Certification – Women on Boards<br>•Harvard Business School, Certification – Certificate of Management Excellence<br>•Fellowship of American Society of Preventive Cardiology<br>•Certified Physician Executive - American Association Physician Executive  |
| ![Dr. Rachana Kulkarni_CYMK.jpg](nfbk-20251231_g8.jpg)<br>**Age: 60**<br>**Director Since: 2024**<br>**Term expires in 2027** | Dr. Kulkarni is President and Managing Partner of Medicor Cardiology, a leading <br>cardiology group in New Jersey, and Regional Director of Cardiology of Barnabas Health <br>Corp. Dr. Kulkarni is Board Certified in Internal Medicine, Cardiology and Nuclear <br>Cardiology. Dr. Kulkarni currently serves in leadership roles on a number of not-for-profit <br>boards, including Akshaya Patra USA, the world's largest non-governmental organization <br>supporting school meal programs. <br>Dr. Kulkarni's diverse skills, life experience, and contributions to her community, plays a <br>key role in the Company's continued development and growth. <br>**Career Highlights**<br>•Medicor Cardiology, President & CEO (2008 – present)<br>•Barnabas Health Corp, Regional Director of Cardiology (2023 – present)<br>**Other Experience**<br>•Trustee, Akshaya Patra, USA<br>•Trustee, NJ AAPI-American Association of Physicians of Indian Origin<br>•Trustee, Somerset Healthcare Foundation<br>•Former Trustee, American Heart Association – New Jersey Chapter<br>•Former Director, Executive Women of New Jersey<br>•Past President - American Heart Association New Jersey<br>**Education** <br>•Government Medical College, India - Medical Degree<br>•Rutgers University - Medical Degree<br>•Auburn University, Master's Degree in Business Administration<br>•Harvard Business School, Certification – Women on Boards<br>•Harvard Business School, Certification – Certificate of Management Excellence<br>•Fellowship of American Society of Preventive Cardiology<br>•Certified Physician Executive - American Association Physician Executive  |

---

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| | |
|:---|:---|
| ![Frank Patafio-chosen photo.jpg](nfbk-20251231_g9.jpg)<br>**Age: 65** <br>**Director Since: 2013**<br>**Term expires in 2028** | **FRANK P. PATAFIO**<br>**Senior Executive Vice President and Senior Managing Director, Head of** <br>**Residential, RXR**<br>|
| ![Frank Patafio-chosen photo.jpg](nfbk-20251231_g9.jpg)<br>**Age: 65** <br>**Director Since: 2013**<br>**Term expires in 2028** | Mr. Patafio has extensive knowledge and experience in real estate development and <br>operations in the New York City marketplace and is a licensed Certified Public <br>Accountant. Mr. Patafio possesses strong risk assessment skills in real estate investment, <br>operations, and financing. <br>**Career Highlights**<br>•RXR, Senior Executive Vice President and Senior Managing Director, various <br>positions, currently Head of Residential (2010 – present)<br>•FJKP, LLC, PMP LLC and affiliated partnerships, which develop residential <br>homes and own rental properties, Principal <br>•Praedium Group LLC, Partner and Chief Financial Officer (1999 - 2009)<br>•Credit Suisse First Boston, Director, Mortgage Products Group (1993 - 1999)<br>**Other Experience**<br>•Director, Northfield Bank Foundation<br>•Member of the Northwell Health System Staten Island Regional Executive <br>Council<br>**Education**<br>•Graduate of St. John's University<br>•MBA, Finance, Pace University Lubin School of Business<br>|

---

**Executive Officers Who Are Not Directors**

The information below details for each of the executive officers who are not directors: their name; age as of

December 31, 2025; and their business experience for the past five years. Unless otherwise indicated, executive officers

have held their positions for the past five years.

**David V. Fasanella**, age 58, joined Northfield Bank in 2018, and currently serves as Executive Vice President

and Chief Lending Officer. Prior to joining Northfield Bank, Mr. Fasanella was a Vice President and then a Regional Vice

President with TD Bank for more than 14 years.

**William R. Jacobs**, age 52, joined Northfield Bank as Controller in 2006. In 2012 he was named Principal

Accounting Officer, and in 2013 he was named Chief Financial Officer. In 2016, he was named Executive Vice President

and Chief Financial Officer. Mr. Jacobs is a licensed Certified Public Accountant in the State of New Jersey.

**Robin Lefkowitz**, age 59, joined Northfield Bank as Director of Business Development in 2006. In 2016, she was

named Executive Vice President, Business Development and Branch Administration and in 2020 assumed responsibility

for Deposit Operations, becoming Chief Branch Administration, Deposit Operations and Business Development Officer in

2021. **Vickie Tomasello**, age 60, joined Northfield Bank as Executive Vice President and Chief Risk Officer in 2023.

Prior to joining Northfield Bank, Ms. Tomasello was the First Senior Vice President and Chief Audit Officer for Lakeland

Bank. Ms. Tomasello is a licensed Certified Public Accountant in the State of New York.

**Delinquent Section 16(a) Reports**

The Bancorp's common stock is registered pursuant to Section 12(b) of the Exchange Act. Executive officers and

directors of the Bancorp, and beneficial owners of greater than 10% of our shares of common stock ("10% beneficial

owners"), are required to file reports on Forms 3, 4, and 5 with the SEC disclosing beneficial ownership and changes in

beneficial ownership. SEC rules require disclosure in our Proxy Statement and Annual Report on Form 10-K of the failure

of an officer, director, or 10% beneficial owner of the shares of common stock to file a Form 3, 4, or 5 on a timely basis.

Based upon our review of Forms 3, 4, and 5 provided to us for the year ended December 31, 2025, we believe no director,

executive officer or 10% beneficial owner of Northfield Bancorp, Inc. failed to timely file any such required report.

**Code of Conduct and Ethics**

We maintain a Code of Conduct and Ethics for Senior Financial Officers that is applicable to our President and

Chief Executive Officer (Principal Executive Officer), Chief Financial Officer (Principal Financial and Accounting

Officer), and Controller. The Code of Conduct and Ethics for Senior Financial Officers is available on our website at

www.eNorthfield.com. Amendments to and waivers of the Code of Conduct and Ethics for Senior Financial Officers will

be disclosed on our website, or otherwise in the manner required by applicable law, rule, or listing standard. No waivers

were granted in 2025.

We also maintain a Code of Conduct and Ethics that is applicable to all employees, officers, and directors, which

is available on our website at www.eNorthfield.com. We continue to demonstrate the Company's commitment to respect

and dignity. Northfield Bank also continues to educate and inform our employees, officers and directors on recognizing and

avoiding conflicts of interest and understanding the Company's risk tolerances. Employees, officers, and directors

acknowledge annually that they will comply with the Code of Conduct and Ethics for Employees, Officers, and Directors

and related training is refreshed and assigned annually to all employees, officers and directors.

**Recommendations for Director Nominees**

There have been no changes to our procedures for stockholders to recommend director nominees since they were

disclosed in our proxy statement for our 2025 Annual Meeting of Stockholders.

**Insider Trading Policy and Arrangements**

An insider trading policy is essential for corporate governance and compliance, aimed at preventing illegal insider

trading and ensuring all insiders understand their obligations under securities laws. A robust insider trading policy

promotes ethical behavior, compliance, investor confidence, and market integrity. Please see as Exhibit 19 to our Annual

Report on Form 10-K for the year ended December 31, 2025: Policies and Procedures and Addendum Regarding Insider

Trading and the Confidentiality of Information.

**Audit Committee**

The Board of Directors has an Audit Committee consisting of Directors: Annette Catino who served as Chair, Gil

Chapman, Timothy C. Harrison, and Paul V. Stahlin.

The Audit Committee is responsible for, among other matters: (1) appointing, compensating, retaining, evaluating,

terminating and overseeing our independent registered public accounting firm; (2) discussing with our independent

registered public accounting firm its independence from us; (3) reviewing with our independent registered public

accounting firm the matters required to be reviewed by applicable auditing requirements; (4) approving all audit and

permissible non-audit services to be performed by our independent registered public accounting firm; (5) overseeing the

financial reporting process and discussing with management and our independent registered public accounting firm the

interim and annual financial statements that we file with the SEC; (6) reviewing and monitoring our internal controls,

disclosure controls and procedures and compliance with legal and regulatory requirements; (7) establishing procedures for

the confidential anonymous submission of concerns regarding questionable accounting, internal controls, auditing and

federal securities law matters; (8) reviewing and approving related person transactions and (9) providing risk oversight,

including with respect to cybersecurity risk.

The Board of Directors, by its Nom/Gov Committee, has also determined that directors Catino, Chapman,

Harrison, and Stahlin each meet the qualifications to serve as an "audit committee financial expert" as that term is used in

the rules and regulations of the SEC. The Board of Directors has so designated Audit Committee members Catino,

Chapman, Harrison, and Stahlin as "audit committee financial experts."

**ITEM 11.<u>EXECUTIVE COMPENSATION</u>**

**Compensation Discussion and Analysis**

This Compensation Discussion and Analysis ("CD&A") describes the philosophy, goals, process, components and

other aspects of our 2025 executive compensation program and is intended to be read in conjunction with the tables that

immediately follow this section, which provide further compensation information for the following named executive

officers, or NEOs, for 2025:

---

| | |
|:---|:---|
| **Name** | **Title** |
| Steven M. Klein | President and Chief Executive Officer |
| William R. Jacobs | Executive Vice President and Chief Financial Officer |
| David V. Fasanella | Executive Vice President and Chief Lending Officer |
| Robin Lefkowitz | Executive Vice President and Chief Branch Administration, Deposit Operations and <br>Business Development Officer<br>|
| Vickie Tomasello | Executive Vice President and Chief Risk Officer |

---

**Executive Summary**

The Company maintains a competitive compensation program that rewards strong performance, safeguards the

long-term success of the Company, and promotes a culture focused on its core values of trust, respect and excellence,

within the bounds of appropriate risk management objectives. Our incentive compensation plans promote the achievement

of the Company's financial goals and objectives which include diluted earnings per share, loan originations (including

goals specific to commercial and industrial, owner-occupied commercial real estate) and deposit growth (including both a

comprehensive net deposit growth goal, and a goal specific to lower cost transaction accounts), goals aligned with the

Community Reinvestment Act's purpose, and when appropriate, individual goals related to key strategic initiatives.

The Company's executive compensation program is designed to:

• Align the interests of our executives with those of our stockholders;

• Offer competitive salaries aligned with market practices generally at 15% +/- the median, and

benchmarked to the 50th percentile of our peer group;

• Achieve balance among:

◦ short- and long-term performance;

◦ fixed- and performance-based compensation;

◦ cash and equity;

• Link annual cash incentive compensation directly to performance:

◦ focused on the Company's strategic objectives;

◦ appropriately balanced corporate goals;

◦ targeted to reasonable payouts compared to peers;

• Provide equity incentives as a core component of total compensation:

◦ aligned with market practices and benchmarked to the institutions within our peer group;

◦ balanced between time- and performance-based vesting;

◦ vested ratably over a number of years to focus on longer-term performance;

• "Clawback" incentive compensation (cash and equity) if certain events occur, such as discovery of

materially incorrect financial information or restatement of financial statements;

• Promote ownership in the Bancorp through:

◦ robust stock ownership guidelines;

◦ prohibitions against hedging and borrowing against Bancorp stock;

• Provide continuity of leadership through the select use of employment and change-in-control

agreements:

◦ aligned with current market practices;

◦ with no "evergreen" provisions;

◦ using a "double-trigger" for severance payment;

◦ with no tax "gross-up";

◦ with a payment formula weighted toward base salary and cash incentive compensation, with limited

health and welfare benefits, and no severance payments for retirement benefits or perquisites; and

• Provide competitive health, welfare, and retirement benefits, and limited executive perquisites

comparable to executives in our peer group as well as within the community banking marketplace.

**Role of the Compensation Committee**

The Compensation Committee of the Board of Directors, subject to ratification by the Board of Directors,

oversees and approves the compensation of the NEOs including the oversight and administration of the incentive

compensation plans for the NEOs. In addition, the Compensation Committee conducts an annual performance review of

the Chief Executive Officer and, in consultation with the Chief Executive Officer, reviews the performance of the other

NEOs. The Compensation Committee also administers all of the Company's equity incentive plans, including the plans in

which the NEOs participate. The Board of Directors has ultimate authority to ratify the compensation of all executive

officers, including the NEOs. For purposes of this CD&A, the Compensation Committee is herein referred to as the

"Committee."

The Committee has a formal charter that describes the Committee's scope of authority and its duties, which is

available on our website at www.eNorthfield.com.

The Committee consists of four directors, all of whom are "independent" as set forth in the listing rules and

requirements for NASDAQ securities. No member of the Committee receives compensation related to the activities of the

Company, except for services in his or her capacity as a board member. The Nom/Gov Committee of the Board of

Directors evaluates the independence of Committee members at least annually, using the standards contained in NASDAQ

listing rules and requirements. This evaluation, and the determination that each member of the Committee is independent,

was made most recently in March 2026.

**Role of Officers in Committee Activities**

The officers who serve as resources to the Committee are the Chief Executive Officer, Chief Financial Officer,

Chief Risk Officer, Director of Human Resources, Enterprise Risk Management Officer, Chief Internal Auditor, and

General Counsel and Corporate Secretary. These officers provide the Committee with input regarding, among other things,

employee compensation philosophy, processes, risk considerations, and compensation matters regarding employees,

including the NEOs. This communication and reporting assists in the design and alignment of compensation programs

throughout the Company. In addition to providing factual information such as Company-wide performance on relevant

measures, these individuals articulate management's views on current compensation programs and processes, recommend

relevant performance measures to be used for future evaluations, and otherwise supply information to assist the Committee.

The Chief Executive Officer also provides information about individual performance assessments for the other NEOs, and

expresses to the Committee its views on the appropriate levels of compensation for the other NEOs for the ensuing year. At

the request of the Committee, the Chief Executive Officer and Director of Human Resources communicate directly with

third-party consultants, provide third-party consultants with Company-specific data and information, and assist in the

evaluation of the estimated financial effect regarding any proposed changes to the various components of compensation.

Officers participate in Committee activities purely in an informational and advisory capacity and have no vote in

the Committee's decision-making process. The Chief Executive Officer does not attend those portions of Committee

meetings during which his performance is evaluated or his compensation is being determined. In addition, the Committee

meets in executive session, as appropriate, without management being present.

**Use of Advisors**

The Committee engages an independent compensation consultant to assist in the compensation process for the

NEOs. The compensation consultant is retained by and reports directly to the Committee. The consultant has the freedom

to provide independent recommendations to the Committee, based on their research and experience, within the scope of

their contracted services. The independent consultant provides services to management only in relation to activities of the

Committee. The independent consultant provides expertise and information about competitive trends in the employment

marketplace, including established and emerging compensation practices at peer and other companies, including

community banks in the Company's marketplace.

The independent consultant also provides peer proxy statement and survey data, and assists in assembling relevant

comparison groups for various purposes and establishing benchmarks for base salary, equity awards, and cash incentives

from the comparison group proxy statements and survey data. The Committee evaluates, at least annually, the experience,

performance, independence, and tenure of the independent consultant before engaging them for services in the upcoming

year. The Committee has periodically engaged various independent consultants in discharging its responsibilities under its

board approved charter.

Historically, the Committee's practice has been to conduct a comprehensive review of executive compensation

every three years (the "triennial review"), with the assistance of its independent compensation consultant; and, in the

intervening years, utilizes its independent consultant to report on current market practices and trends, and to provide

guidance for compensation and other related matters. The Committee also evaluates current market practices and Company

information needs in evaluating the frequency of comprehensive executive compensation reviews, and may change the

frequency as deemed appropriate.

On an annual basis, Aon is engaged to provide, among other things, current market compensation information and

conduct a review of the annual Proxy CD&A, Committee Charter and executive employment and change-in-control

agreements. The Committee regularly reviews the services, performance, and independence of its outside advisors. Aon's

independence was last reviewed against the rules and requirements of the SEC and NASDAQ in January 2026, and they

were found to meet all of the criteria for independence.

The Committee also utilizes the firm of Luse Gorman, PC ("Luse Gorman") to provide consultation regarding

legal matters related to the functioning of the Committee, including interpretation of applicable rules and regulations and

consultation on legal documents pertaining to, among other things, NEOs employment and change-in-control agreements,

benefit plans, Management Cash Incentive Plans and equity award agreements. The Committee does not utilize Luse

Gorman for compensation consultation. The Committee regularly reviews the services provided by Luse Gorman. Luse

Gorman also provides services to the Company related to SEC and other regulatory matters.

**Compensation Objectives and Philosophy**

The overall objectives of the Company's compensation programs are to attract, motivate, retain, and reward

employees and officers (including the NEOs) for sustained high performance, and to provide competitive compensation,

including cash and equity incentive compensation, to attract diverse talent to the Company, consistent with effective risk

management. Our executive compensation program is designed to reward the NEOs based on their level of assigned

management responsibilities, individual experience and performance levels, and knowledge of banking and our business.

The methods used to achieve these objectives are influenced by the compensation and employment practices of our

competitors within the financial services industry, and elsewhere in the marketplace, for executive talent. Other

considerations include each NEOs collective and individual contributions in achieving both financial and non-financial

goals.

Our compensation program for our NEOs includes the following three short-term and long-term key components:

• Base Salary, designed to provide a reasonable level of predictable income commensurate with market

standards for the position held;

• Cash Incentive Awards, designed to reward our executives for attaining specific performance goals that

support the strategic objectives of the Company; and

• Equity Incentive Awards in the form of Company restricted stock and stock units designed to align the

interests of the NEOs with those of stockholders and tied to the longer-term strategic objectives of the

Company.

In addition to the components above, we also provide certain benefits and perquisites to the NEOs at levels that

are competitive and appropriate for their roles.

**Benchmarking**

Our compensation program is periodically evaluated in relation to benchmark data derived from information

reported in publicly available proxy statements and from market compensation survey data. In 2022, the Committee

engaged its independent compensation consultant, Aon, to assist it in conducting its triennial review of executive and

director compensation. For the triennial review, Aon also reviewed our peer group and recommended the peer group below

using objective criteria reflecting publicly-traded banks similar in asset size, business model and region to the Company. At

time of initial selection, the asset size ranged from approximately $2.1 billion to $13.7 billion. The selected peer group

includes companies that have been subsequently acquired.

The Committee approved the use of the following peer group:

---

| | | |
|:---|:---|:---|
| ACNB Corp. (ACNB) | Flushing Financial Corporation (FFIC) | Peoples Financial Services (PFIS) |
| BCB Bancorp, Inc. (BCBP) | Kearny Financial Corp. (KRNY) | Provident Financial Services, Inc. (PFS) |
| CNB Financial Corporation (CCNE) | Lakeland Bancorp, Inc. (LBAI) | Shore Bancshares, Inc. (SHBI) |
| Columbia Financial, Inc. (CLBK) | Mid Penn Bancorp, Inc. (MPB) | Tompkins Financial Corporation (TMP) |
| ConnectOne Bancorp, Inc. (CNOB) | OceanFirst Financial Corp. (OCFC) | Unity Bancorp (UNTY) |
| First Bank (FRBA) | Orrstown Financial Services (ORRF) | Univest Financial Corporation (UVSP) |
| First of Long Island Corporation (FLIC) | Peapack-Gladstone Financial (PGC) |  |

---

**Assembling the Components of Compensation**

The Committee analyzes the level and relative mix of executive compensation by component (e.g., base salary,

short- and long-term incentives, and benefits) and in the aggregate. The Chief Executive Officer provides recommendations

to the Committee relating to compensation to be paid to the NEOs other than himself. Based on this recommendation and

their analysis, the Committee approves compensation for each NEO, subject to ratification by the Board of Directors.

When evaluating the components of total compensation, the Committee considers, among other things:

• current market practices;

• benchmark data derived from information reported in publicly-available proxy statements;

• studies conducted by its independent consultant; and

• alignment of cash and equity incentive awards with the Company's strategic objectives and performance.

The Committee seeks to reward Company and individual performance through incentive compensation that is

within Board-approved risk parameters, and does not encourage behaviors that may result in undue risk.

**Base Salary**

Base salary is designed to provide a reasonable level of predictable income commensurate with the position, pay

levels of similar positions in the market, experience, and demonstrated performance. NEOs are eligible for periodic

adjustments to their base salary as a result of their individual performance, market analysis, and significant changes in their

duties and responsibilities. The Committee annually reviews and approves base salaries, and changes thereto, for all NEOs,

including our Chief Executive Officer.

The Committee generally targets the 50th percentile (for base salary and short-term cash incentives) of peer proxy

and survey data, and a pay range around the median to allow for recognition of each NEOs specific experience, job

responsibilities, individual performance, estimated value in the marketplace, and the Committee's view of each NEOs role

in the future success of the Company.

Based on the above, the Committee determined in January 2025, that the following annual base salary adjustments

should be made prospectively, effective on or about February 24, 2025:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Annual Base Salaries**<br>**Name** | <br>**December 31, 2024** <br>**($)**<br>| <br>**Increase (%)** | <br>**Increase ($)** | <br>**February 24,** <br>**2025 ($)**<br>|
| Steven M. Klein | 753500 | 3.52 | 26500 | 780000 |
| William R. Jacobs | 420250 | 3.51 | 14750 | 435000 |
| David V. Fasanella | 398500 | 3.51 | 14000 | 412500 |
| Robin Lefkowitz | 350000 | 8.57 | 30000 | 380000 |
| Vickie Tomasello | 336500 | 5.50 | 18500 | 355000 |

---

**Cash Incentives**

The Committee reviewed cash incentive compensation market practices and developed and implemented an

executive management cash incentive plan for 2025 (the "2025 Executive Management Cash Incentive Plan") and

established Corporate Goals (as detailed below) in February 2025. The 2025 Executive Management Cash Incentive Plan

provides performance-based annual cash incentives to reward the Company's NEOs for the execution of specific financial

elements of our strategic business plans weighted to an executive's functional area.

The Committee determined that for 2025, the focus of the incentive goals should remain on the primary drivers of

longer-term franchise value, and established the following goals (the "Corporate Goals") under the 2025 Executive

Management Cash Incentive Plan at Target:

---

| | | | |
|:---|:---|:---|:---|
| **Corporate Goals** | **Corporate Goals** | **Corporate Goals** | **Corporate Goals** |
| **Earnings Per Share** <br>**("EPS Goal")**<br>| **Origination of** <br>**Commercial and** <br>**Industrial, Owner** <br>**Occupied CRE,** <br>**Construction, 1-4** <br>**Family CRE,** <br>**Multifamily and Home** <br>**Equity Loans** <br>**("Loan Goal")**<br>| **Deposit Growth** <br>**("Deposit Goal")**<br>| **Transaction Deposit Growth ("DDA Goal")** |
| $0.86 | $424.0 million | $140.4 million | $88.0 million |

---

The Committee also provided for a range of performance around the Target goals, generally from 85% to 115% of

the Targets listed above, with increases or decreases to incentive award opportunities as detailed in the table immediately

below. In evaluating the Corporate Goals for 2025, the Committee determined to exclude the $41.0 million non-cash, non-

recurring goodwill impairment charge recorded by the Company in the fourth quarter of 2025, and brokered deposits.

Related to the 2025 goodwill impairment charge, the Committee discussed the non-operating nature of the item, including

consideration that such item did not impact the Company's asset quality, liquidity, or regulatory capital.

The Committee considered several factors in setting Target award opportunities for 2025, including the projected

improvements in economic forecasts, the continued successes in building lending teams, consideration of competitive

forces for high quality loans, the strong liquidity position of the Company, Northfield's reputation in the marketplace as a

commercial community bank and our budgeted 2025 financial results, as compared to 2024 actual results. The Committee

also considered the Company's historical practice of not budgeting for possible Federal Reserve interest rate actions.

Based on the above, in February 2025, the Committee set a targeted total cash incentive award (as a percentage of

base salary) of approximately 50% for Mr. Klein, and 40% for each of Mr. Jacobs, Mr. Fasanella, Ms. Lefkowitz, and Ms.

Tomasello. These targeted percentages are based on the Target award opportunities and related weightings of the goals as

detailed in the two tables below.

In addition to the Corporate Goals above, the Committee established Community Reinvestment Act (the "CRA")

goals for 2025 that support the long-term strategic objectives of the Company and compliance with applicable laws and

regulations, with a Target award of 50% of base salary for Mr. Klein and 40% of base salary for Mr. Jacobs, Mr. Fasanella,

and Ms. Lefkowitz. The Committee determined that factors considered under the CRA goals would include, but not be

limited to, community development lending in our assessment area; small business lending to low-to-moderate income

borrowers in low-to-moderate income areas; and residential loans to low-to-moderate income borrowers in low-to-

moderate areas. CRA Goals had an overall weighting of 15% of target.

Award opportunities set at Threshold/Target/Stretch under the 2025 Executive Management Cash Incentive Plan

for each Corporate Goal are as follows (amounts are expressed as a percentage of each Named Executive Officer's annual

base salary effective December 31, 2025, before the application of approved weighting for each goal):

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Award Opportunities at Threshold/Target/Stretch** | **Award Opportunities at Threshold/Target/Stretch** | **Award Opportunities at Threshold/Target/Stretch** | **Award Opportunities at Threshold/Target/Stretch** | **Award Opportunities at Threshold/Target/Stretch** | **Award Opportunities at Threshold/Target/Stretch** |
| **Name** | **EPS Goal** <br>**(%)**<br>| **Loan Goal** <br>**(%)**<br>| **Deposit Goal** <br>**(%)**<br>| **DDA Goal** <br>**(%)**<br>| **CRA Goal** <br>**(%)**<br>|
| Chief Executive Officer | 25/50/75 | 25/50/75 | 25/50/75 | 25/50/75 | 25/50/75 |
| Executive Vice Presidents<sup>(1)</sup> | 20/40/60 | 20/40/60 | 20/40/60 | 20/40/60 | 20/40/60 |

---

(1) Excludes the position of Chief Risk Officer.

The 2025 Cash Incentive Goals are weighted as follows for each Named Executive Officer:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **2025 Cash Incentive Goal Weightings (%)** | **2025 Cash Incentive Goal Weightings (%)** | **2025 Cash Incentive Goal Weightings (%)** | **2025 Cash Incentive Goal Weightings (%)** | **2025 Cash Incentive Goal Weightings (%)** |
| **Name** | **EPS Goal (%)** | **Loan Goal (%)** | **Deposit Goal** <br>**(%)**<br>| **CRA Goal (%)** |
| Steven M. Klein | 50 | 15 | 20 | 15 |
| William R. Jacobs | 50 | 15 | 20 | 15 |
| David V. Fasanella | 50 | 15 | 20 | 15 |
| Robin Lefkowitz | 50 | 15 | 20 | 15 |
| Vickie Tomasello | N/A | N/A | N/A | N/A |

---

For 2025, the Committee also established a shared individual goal related to the successful implementation of the

Company's new digital banking platform. Award opportunities, depending on involvement and success of the

implementation of the platform, were established between 0% to 22.5% of base salary for each of the NEOs.

Given Ms. Tomasello's role as Chief Risk Officer, she did not have Corporate Goals in 2025. Ms. Tomasello's

cash incentive compensation was targeted at the same level as the overall executive vice president team with individual

performance goals relevant to operations of the credit department, as well as other risk management objectives, and Ms.

Tomasello's role and contributions related to the implementation of the new digital banking platform. This approach is in

alignment with the role of Chief Risk Officer, and with the overall strategic objectives of the Company, while providing

appropriate incentive related to key risk performance objectives.

The Committee also considers appropriate risk management elements for all NEOs, including compliance with

Company established risk tolerances in areas including credit quality, asset and liability concentrations, and liquidity and

interest rate risk, as well as findings and conclusions of internal audits, external audits and regulatory examinations in

assessing the achievement of the Corporate Goals for 2025.

The Committee evaluates the reasonableness and likelihood of attaining designated incentive goals, including

stretch (maximum) goals, in an effort to ensure that such targets appropriately reward performance, but do not encourage

undue risk taking. Actual performance over the applicable measurement period may exceed or fall short of the targets

resulting in the NEO receiving an annual incentive cash award that is above or below the targeted level. Annual incentive

cash awards granted in prior years are not taken into account by the Committee in the process of setting performance

targets for the current year. The Committee believes that doing so would be inconsistent with the underlying reasons for the

use of incentive compensation.

In February 2026, the Committee evaluated 2025 performance and achievement of the Corporate Goals for the

NEOs. When reviewing actual 2025 financial performance, the Committee affirmed its original incentive compensation

plan design decisions made in February 2025, to exclude from the measures of performance, the goodwill impairment

charge recorded in the fourth quarter of 2025, as well as brokered deposits.

---

| | | | |
|:---|:---|:---|:---|
| **Corporate Goal Achievement** | **Corporate Goal Achievement** | **Corporate Goal Achievement** | **Corporate Goal Achievement** |
| **Goal** | **Target ($)** | **Achievement**<sup>(1)</sup>**($)** | **Percentage of Target** <br>**Achieved (%)**<br>|
| EPS Goal | $0.86 | $1.05 (Stretch) | 122.1 |
| Loan Goal | $424000000 | $404,517,000 (Between <br>Threshold and Target)<br>| 95.4 |
| Deposit Goal | $140400000 | Below Threshold | N/A |
| DDA Goal | $88000000 | $164,363,000 (Stretch) | 186.8 |
| CRA Goals | Originate Community Development <br>Loans equal to 5% of Tier 1 Capital, <br>Originate 5% of total small business <br>Loans by number in low to moderate <br>income areas, Originate 5% of total <br>residential loans (by number) to low- <br>to-moderate borrowers, in low-to-<br>moderate areas<br>| Target | 100 |

---

(1) EPS excludes non-cash and non-taxable Goodwill impairment charge of $41.0 million.

As a result of the Company's financial performance in 2025, and in accordance with the 2025 Executive

Management Cash Incentive Plan, and related Corporate Goals, the Committee evaluated the level of attainment of each

assigned Corporate Goal, and concluded that the EPS Goal for 2025 was achieved at the Stretch level of performance with

cash incentive compensation for Messrs. Klein, Jacobs, Fasanella and Ms. Lefkowitz of $292,500, $130,500, $123,750,

$114,000, respectively. Related to the Loan Goal, the Committee concluded that the goal was achieved between Threshold

and Target, with cash incentive compensation for Messrs. Klein, Jacobs, Fasanella and Ms. Lefkowitz of $49,540, $22,102,

$20,959 and $19,308, respectively. The Corporate Deposit Goal was achieved below the Threshold level of performance

and no incentive compensation was earned by the NEOs. The Corporate Transaction Deposit Goal was determined to be

achieved at Stretch. The Committee considered the overall growth in deposits in 2025, including growth in transaction

accounts at 162% of Stretch, the strategic importance on lower cost transaction accounts, and the decreased cost of

deposits in 2025 versus 2024 and made a determination to assign the full 20% weighting provided under the 2025

Executive Cash Incentive Plan to this goal resulting in cash incentive compensation for Messrs. Klein, Jacobs, Fasanella

and Ms. Lefkowitz of $117,000, $52,200, $49,500, and $45,600, respectively. The CRA goals were achieved above

Target, but the Committee made a determination to award cash compensation at Target with cash incentive compensation

for Messrs. Klein, Jacobs, Fasanella and Ms. Lefkowitz of $58,500, $26,100, $24,750, and $22,800, respectively. The

Committee also evaluated the successful implementation of the Company's new digital banking platform and made a

determination to award cash incentive at Target for all NEO's with cash incentive compensation for Messrs. Klein, Jacobs,

Fasanella and Ms. Lefkowitz of $73,460, $63,098, $39,041, and $55,292, respectively.

The following table details the 2025 actual cash incentive award as a percentage of Target Award Opportunity:

---

| | | | |
|:---|:---|:---|:---|
| **Actual Cash Incentive Award as a Percentage of Target Award Opportunity:** | **Actual Cash Incentive Award as a Percentage of Target Award Opportunity:** | **Actual Cash Incentive Award as a Percentage of Target Award Opportunity:** | **Actual Cash Incentive Award as a Percentage of Target Award Opportunity:** |
| **Name** | **Target** <br>**Award** <br>**Opportunity** <br>**($)**<br>| **Actual Award**<br>**($)**<br>| **Actual Award as** <br>**a Percentage of** <br>**Target Award** <br>**Opportunity** <br>**(%)**<br>|
| Steven M. Klein | $468000 | $591000 | 126 |
| William R. Jacobs | $239250 | $294000 | 123 |
| David V. Fasanella | $206250 | $258000 | 125 |
| Robin Lefkowitz | $209000 | $257000 | 123 |
| Vickie Tomasello | $177500 | $222000 | 125 |

---

**Equity Awards**

The objective of equity awards is to further align the interests of our employees, including the NEOs, with those

of stockholders and to reward sustained performance.

On an annual basis, the Committee reviews its equity award grant practices in relation to market for the NEOs and

other eligible employees. The Committee considers prior grants, including the value of such awards, the period over which

the awards are earned, and the remaining unvested awards for each award recipient. The Committee also considers the

current market grant practices of institutions within our peer group companies as provided by the Company's independent

compensation consultants. Based upon the above, the Committee determined in January 2025 to grant equity awards to

select officers and the NEOs.

Approximately one-half of the targeted value of the awards for the NEOs received were in the form of time-based

restricted shares of Company stock vesting on a pro-rata basis over a three-year period, beginning one year from the date of

grant, and approximately one-half were performance-based restricted stock units ("Performance Awards"), with three-year

cliff vesting tied to a goal of core return on average assets. The actual Performance Awards can vest above or below the

targeted number of shares if core return on average assets exceeds Target by 15% (award increased by 50%) or is below

Target by 15% (award decreased by 50%). Performance Awards also provide for a Peer Modifier, with a 25% downward

adjustment to the Performance Award earned if Company Core Return on Average Assets is below the 35th percentile of

the Compensation Peer Group, and a 25% upward adjustment if Core Return on Average Assets is at or above the 50th

percentile of the Compensation Peer Group.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **2025 Equity Awards Granted to NEOs as Percentage of Annual Base Salary**<sup>(1)</sup> | **2025 Equity Awards Granted to NEOs as Percentage of Annual Base Salary**<sup>(1)</sup> | **2025 Equity Awards Granted to NEOs as Percentage of Annual Base Salary**<sup>(1)</sup> | **2025 Equity Awards Granted to NEOs as Percentage of Annual Base Salary**<sup>(1)</sup> | **2025 Equity Awards Granted to NEOs as Percentage of Annual Base Salary**<sup>(1)</sup> |
| **Name** | **Percentage** <br>**of Annual** <br>**Base Salary** <br>**(%)** | **Performance** <br>**Based** <br>**Awards** | **Time** <br>**Based** <br>**Awards** | **Total** <br>**2025**<br>**Awards** <br>**Granted** |
| **Name** | **Percentage** <br>**of Annual** <br>**Base Salary** <br>**(%)** | **Performance** <br>**Based** <br>**Awards** | **Time** <br>**Based** <br>**Awards** | **Total** <br>**2025**<br>**Awards** <br>**Granted** |
| Steven M. Klein | 75.0 | 24233 | 24233 | 48466 |
| William R. Jacobs | 55.0 | 9912 | 9912 | 19824 |
| David V. Fasanella | 55.0 | 9399 | 9399 | 18798 |
| Robin Lefkowitz | 55.0 | 8255 | 8255 | 16510 |
| Vickie Tomasello | 55.0 | 7936 | 7936 | 15872 |

---

(1) Percentage of Annual Base Salary is calculated using the Named Executive Officer's Annual Base Salary at December 31, 2024.

For 2025, certain NEOs were eligible to vest in awards based on performance from 2023 to 2025. Performance

measures for this period were as follows:

---

| | | | |
|:---|:---|:---|:---|
| **2023-2025 Goals and Results of Performance Stock Awards** | **2023-2025 Goals and Results of Performance Stock Awards** | **2023-2025 Goals and Results of Performance Stock Awards** | **2023-2025 Goals and Results of Performance Stock Awards** |
| **Multi Year Core ROAA** | **Threshold** | **Target** | **Stretch** |
| **Multi Year Core ROAA** | **Threshold** | **Target** | **Stretch** |
| Core ROAA  | 0.95% | 1.05% | 1.20%<br>0.65%<sup>(1)</sup> |

---

(1) Excludes Goodwill impairment charge for 2025.

Our Core ROAA for the three-year period ended December 31, 2025 was 0.65%, and below the Threshold level of

performance. As a result, none of the performance stock awards granted in 2023 vested.

**Broad-Based Benefits**

We also provide to our NEOs certain broad-based benefits available to all qualifying employees of the Company,

as well as fringe benefits and perquisites, and restoration and other termination benefits, not generally available to all

qualifying employees of the Company.

The following summarizes the significant broad-based benefits in which the Named Executive Officers were

eligible to participate in 2025:

• a defined contribution 401(k) retirement plan with discretionary employee profit-sharing contributions;

• an employee stock ownership plan;

• medical coverage (all employees share in a percentage of the cost, depending on their elections);

• pre-tax health and dependent care spending accounts; and

• group life insurance coverage (death benefit capped at $750,000, with the value of the death benefit

over $50,000 being reported as taxable income to all employees).

The Northfield Bank Employee Stock Ownership Plan (the "ESOP") allocates a certain number of shares of the

Bancorp's common stock on an annual basis among plan participants subject to Internal Revenue Code limitations. All

eligible employees, including Named Executive Officers, are eligible to participate in the plan.

**Executive Benefits and Perquisites**

In addition to the broad-based benefits described above, NEOs received the following fringe benefits and

perquisites in 2025:

• all NEOs may participate in the Northfield Bank Non-Qualified Deferred Compensation Plan. The plan

provides restoration of benefits capped under Northfield Bank's broad-based benefits due to Internal

Revenue Code salary limitations or limitations due to participation requirements under tax-qualified

plans. The plan also permits elective salary and cash incentive award deferrals;

• all NEOs are reimbursed for appropriate spousal/partner expenses for attendance at certain business

events;

• all NEOs are provided a cellular allowance of up to $120 per month for business usage;

• Mr. Klein is provided full-time use of a company owned vehicle;

• Mr. Jacobs and Ms. Tomasello each received a monthly automobile allowance of $975; and

• Mr. Fasanella and Ms. Lefkowitz each received a monthly automobile allowance of $1,350.

The Committee reviews the other components of executive compensation (broad-based benefits, and executive

benefits and perquisites) on an annual basis. Changes to the level or types of broad-based benefits within these categories,

including considerations relating to the addition or elimination of benefits and plan design changes, are made by the

Committee on an aggregate basis with respect to the group of employees entitled to those benefits, and not necessarily with

reference to a particular NEOs compensation. Decisions about these components of compensation are made without

reference to the NEOs salary and annual cash incentives, as they involve issues of more general application and often

include consideration of trends in the industry or in the employment marketplace.

**Executive Agreements**

In addition to the components of executive compensation described above, each NEO is a party to an employment

agreement with Northfield Bank. See "Employment Agreements" for a description of these agreements and "Potential

Payments to Named Executive Officers" for information about potential payments to these individuals upon termination of

their employment with Northfield Bank. The employment agreements contain no payment provisions for tax gross-ups to

executives under any circumstance.

The employment agreements are designed to allow the Company to retain the services of the designated

executives while reducing, to the extent possible, unnecessary disruptions to Northfield Bank's operations. In addition, the

Committee believes that the employment agreements better align the interests of the executive with those of our

stockholders. The Committee believes that these agreements allow executives to more objectively evaluate opportunities

for stockholders without causing undue personal financial conflicts.

The Committee reviewed prevailing market practices, consulted with Aon on the competitiveness and

reasonableness of the terms of the agreements, and negotiated the agreements with the individuals. The Committee believes

such agreements are competitive market practice and necessary to retain executive talent.

The employment agreements for all NEOs are for a term of three years, and are reviewed annually by the

Committee for renewal. The agreements provide for salary and incentive cash compensation payments, as well as

additional post-employment benefits, primarily health benefits for a period not to exceed 18 months (or equivalent cash

payments), under certain conditions, as defined in the employment agreements. The benefits (base salary and cash

incentive compensation) provided under the agreements are generally for three years as related to Mr. Klein, and two years

for all other NEOs. See "Employment Agreements" for further discussion.

**Exceptions to Usual Procedures**

The Committee may recommend to the Board of Directors that they approve the payment of special cash

compensation to one or more NEOs in addition to payments approved during the normal annual compensation-setting

cycle. The Committee may make such a recommendation if it believes it would be appropriate to reward one or more

NEOs in recognition of contributions to a particular project, or in response to competitive and other factors that were not

addressed during the normal annual compensation-setting cycle.

The Committee evaluated the contributions and successes of each NEO for 2025, and related cash incentives

earned, and made a determination to not award any discretionary compensation to any NEO.

The Committee will consider off-cycle compensation adjustments whenever a NEOs status, role or responsibilities

change, or an executive officer is hired. The Committee may depart from the compensation guidelines it would normally

follow for executives in the case of outside hires. The Committee made no off-cycle compensation adjustments to NEOs

for 2025.

**Committee Actions Affecting 2026 Compensation**

In 2025, Aon assisted the Committee with its review of determining 2026 executive (and director) compensation.

The triennial review included, among other things, an updated peer group, detailed survey data, and a report of current

market practices, trends, and benchmarking related to executive base salaries, cash incentive compensation, equity

compensation, employment contracts, and perquisites. Additionally, Aon provided the Committee with assistance in the

development of the 2026 Management Cash Incentive Plan and related executive goals and award opportunities.

In January 2026, in connection with the results of the compensation review, and in recognition of individual

performance, the Committee made the conclusion to increase the annual base salaries, effective on or about February 23,

2026, for the Named Executive Officers as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Base Salary for 2026** | **Base Salary for 2026** | **Base Salary for 2026** | **Base Salary for 2026** | **Base Salary for 2026** |
| **Name** | **December 31, 2025 ($)** | **Increase (%)** | **Increase ($)** | **February 23, 2026 ($)** |
| Steven M. Klein | 780000 | 3.50 | 27300 | 807300 |
| William R. Jacobs | 435000 | 3.50 | 15225 | 450225 |
| David V. Fasanella | 412500 | 3.50 | 14440 | 426940 |
| Robin Lefkowitz | 380000 | 3.50 | 13300 | 393300 |
| Vickie Tomasello | 355000 | 3.50 | 12425 | 367425 |

---

In February 2026, the Committee also granted equity awards to each of the NEOs, with the exception of Mr.

Klein. The equity award value for each of the NEOs receiving equity awards was 50% of base salary as of December 31,

2025. In addition, the equity awards were granted solely as cash settled restricted stock units vesting annually over a three-

year period beginning February 4, 2027. If an NEO is not employed as of the vesting date of February 4, 2028 or February

4, 2029, such awards will forfeit. If an NEO's employment terminates prior to the February 4, 2027, vesting date, such

award that would have vested on February 4, 2027, will vest on the NEO's termination date.

In February 2026, the Committee approved the 2026 Management Cash Incentive Plan. The plan contains similar

terms and conditions as the 2025 Management Cash Incentive Plan.

**Compensation Committee Report**

The Compensation Committee has reviewed and discussed with management, the section included in this

Amendment entitled "Compensation Discussion and Analysis (the "CD&A")." Based on this review and discussion, the

Compensation Committee recommended to the Board of Directors that the CD&A be included in the Amendment. The

members of the Compensation Committee at December 31, 2025 were: Paul V. Stahlin, who currently serves as Chair,

Annette Catino, Karen J. Kessler, and Timothy C. Harrison.

**CEO Pay Ratio**

As required by applicable SEC rules, the Company is providing the following information with regard to the

relationship of the total annual compensation of the Company's median employee to the total annual compensation of the

Company's Chief Executive Officer, (the "CEO"). In 2025, Steven M. Klein, the Company's CEO had a total annual

compensation of $2,059,591, as reflected in the 2025 Summary Compensation Table included in this Proxy Statement. The

median employee, excluding our CEO, had a total annual compensation estimated to be $79,322 for 2025. As a result, the

CEO's 2025 total annual compensation was approximately 26 times that of the median employee.

In order to estimate our CEO pay ratio, we applied the same methodology as in 2024. We identified the median

employee by examining the 2025 total cash compensation (base and bonus) for the active employees, excluding our CEO,

who were employed by us on December 31, 2025, the determination date, and the last day of our payroll year. We included

all employees, whether employed full-time or part-time. We annualized the base salaries of those individuals employed for

less than the full year based on their part-time or full-time status.

We believe the use of total cash compensation for all employees is a consistently applied compensation measure

because we do not widely distribute equity awards to all employees. After identifying the median employee based on total

cash compensation, we calculated annual total compensation for such employee using the same methodology we use for

our Named Executive Officers as set forth in the 2025 Summary Compensation Table in this Proxy Statement.

The required CEO pay ratio information is a reasonable estimate calculated in a manner consistent with SEC rules

based on the methodologies and assumptions described above. SEC rules for identifying the median employee and

determining the CEO pay ratio permit companies to employ a wide range of methodologies, estimates and assumptions. As

a result, the CEO pay ratios reported by other companies which may have employed other permitted methodologies or

assumptions and which may have a significantly different work force structure from the Company's, is likely not

comparable to the Company's SEC-required or supplemental CEO pay ratios.

**Summary Compensation Table** 

The following table sets forth certain information for the three years ended December 31, 2025, as to the total

remuneration we paid to our Named Executive Officers:

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Summary Compensation Table** | **Summary Compensation Table** | **Summary Compensation Table** | **Summary Compensation Table** | **Summary Compensation Table** | **Summary Compensation Table** | **Summary Compensation Table** | **Summary Compensation Table** | **Summary Compensation Table** |
| **Name and** <br>**principal position**<br>| **Year** | **Salary** <br>**($)**<br>| **Stock** <br>**Awards**<sup>(1)</sup><br>**($)**<br>| **Option** <br>**Awards** <br>**($)**<br>| **Bonus** <br>**($)**<br>| **Non-equity** <br>**incentive plan** <br>**compensation** <br>**($)**<br>| **All other** <br>**compensation**<sup>(2)</sup><br>**($)**<br>| **Total** <br>**($)**<br>|
| Steven M. Klein, <br>President and Chief <br>Executive Officer | 2025 | 775923 | 565114 |  |  | 591000 | 127554 | 2059591 |
| Steven M. Klein, <br>President and Chief <br>Executive Officer | 2024 | 749086 | 436808 |  |  | 169632 | 121483 | 1477009 |
| Steven M. Klein, <br>President and Chief <br>Executive Officer | 2023 | 723693 | 384972 |  |  |  | 119115 | 1227780 |
| William R. Jacobs, <br>Executive Vice <br>President and Chief <br>Financial Officer | 2025 | 432732 | 231148 |  |  | 294000 | 72421 | 1030301 |
| William R. Jacobs, <br>Executive Vice <br>President and Chief <br>Financial Officer | 2024 | 417784 | 203004 |  |  | 74437 | 68845 | 764070 |
| William R. Jacobs, <br>Executive Vice <br>President and Chief <br>Financial Officer | 2023 | 403615 | 165945 |  | 30000 |  | 65705 | 665265 |
| David V. Fasanella <br>Executive Vice <br>President and Chief <br>Lending Officer | 2025 | 410347 | 219185 |  |  | 258000 | 61811 | 949343 |
| David V. Fasanella <br>Executive Vice <br>President and Chief <br>Lending Officer | 2024 | 396164 | 192489 |  |  | 70584 | 59997 | 719234 |
| David V. Fasanella <br>Executive Vice <br>President and Chief <br>Lending Officer | 2023 | 382692 | 157237 |  | 30000 |  | 57638 | 627567 |
| Robin Lefkowitz, <br>Executive Vice <br>President and Chief <br>Branch <br>Administration, <br>Deposit Operations <br>and Business <br>Development Officer | 2025 | 375385 | 192507 |  |  | 257000 | 71456 | 896348 |
| Robin Lefkowitz, <br>Executive Vice <br>President and Chief <br>Branch <br>Administration, <br>Deposit Operations <br>and Business <br>Development Officer | 2024 | 347491 | 167759 |  | 10000 | 61994 | 65828 | 653072 |
| Robin Lefkowitz, <br>Executive Vice <br>President and Chief <br>Branch <br>Administration, <br>Deposit Operations <br>and Business <br>Development Officer | 2023 | 325672 | 134072 |  | 30000 |  | 62484 | 552228 |
| Vickie Tomasello, <br>Executive Vice <br>President and Chief <br>Risk Officer | 2025 | 352154 | 185068 |  |  | 222000 | 37879 | 797101 |
| Vickie Tomasello, <br>Executive Vice <br>President and Chief <br>Risk Officer | 2024 | 334510 | 162488 |  |  | 59603 | 21355 | 577956 |
| Vickie Tomasello, <br>Executive Vice <br>President and Chief <br>Risk Officer | 2023 | 112500 | 24999 |  |  |  | 5484 | 142983 |

---

(1)Represents the aggregate grant date fair value of time vesting and performance vesting awards to the employee. The grant date fair values of the performance-vesting

portion of the awards granted in 2025 are computed at Target performance achievement and amounted to $282,557, $115,574, $109,592, $92,534, and $96,253 for

Messrs. Klein, Jacobs, and Fasanella, Ms. Tomasello, and Ms. Lefkowitz, respectively. The grant date fair values of the performance-vesting portion of the awards

granted in 2025 at Stretch (Maximum) performance would be $423,835, $173,361, $164,389, $138,801, and $144,380, for Messrs. Klein, Jacobs, and Fasanella, Ms.

Tomasello, and Ms. Lefkowitz, respectively. Represents the aggregate grant date fair value of time vesting and performance vesting awards to the employee. The grant

date fair values of the performance-vesting portion of the awards granted in 2024 are computed at Target performance achievement and amounted to $218,404,

$101,502, $96,245, $81,244, and $83,880 for Messrs. Klein, Jacobs, and Fasanella, Ms. Tomasello, and Ms. Lefkowitz, respectively. The grant date fair values of the

performance-vesting portion of the awards granted in 2024 at Stretch (Maximum) performance would be $327,606, $152,253, $144,367, $121,866, and $125,819, for

Messrs. Klein, Jacobs, and Fasanella, Ms. Tomasello, and Ms. Lefkowitz, respectively. Represents the aggregate grant date fair value of time vesting and performance

vesting awards to the employee. The grant date fair values of the performance-vesting portion of the awards granted in 2023 are computed at Target performance

achievement and amounted to $194,228, $83,723, $79,330, and $67,643 for Messrs. Klein, Jacobs, Fasanella, and Ms. Lefkowitz, respectively. The grant date fair values

of the performance-vesting portion of the awards granted in 2023 at Stretch (Maximum) performance would be $291,341 $125,585, $118,994, and $101,464, for Messrs.

Klein, Jacobs, Fasanella, and Ms. Lefkowitz, respectively.

(2)The individuals listed in this table participate in certain medical and dental coverage plans, not disclosed in the Summary Compensation Table, that are generally

available to salaried employees and do not discriminate in scope, terms, and operation. The amounts shown below for each individual for the year ended December 31,

2025, include our direct out-of-pocket costs (reduced for Mr. Klein, in the case of the figures shown for automobiles, by the amount that would otherwise have been paid

in cash reimbursements during the year for business use) for the following items:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **All Other Compensation** | **All Other Compensation** | **All Other Compensation** | **All Other Compensation** | **All Other Compensation** | **All Other Compensation** |
|  | **Mr. Klein**<br>**($)**<br>| **Mr. Jacobs**<br>**($)**<br>| **Mr. Fasanella**<br>**($)**<br>| **Ms.** <br>**Lefkowitz**<br>**($)**<br>| **Ms.** <br>**Tomasello**<br>**($)**<br>|
| Employer contributions to <br>qualified and nonqualified <br>deferred compensation plans<br>| 83090 | 48590 | 31930 | 44511 | 18499 |
| Automobile | 19739 | 11700 | 16200 | 16200 | 11700 |
| Dividends paid on restricted <br>stock awards<sup>(a)</sup><br>| 20732 | 8946 | 8425 | 7047 | 1058 |
| Other<sup>(b)</sup> | 3993 | 3185 | 5256 | 3698 | 6622 |
| Total | 127554 | 72421 | 61811 | 71456 | 37879 |

---

(a)Amounts represent dividends paid upon the vesting of restricted stock awards that were withheld while the restricted stock awards were unvested.

(b)Includes spousal reimbursement for business travel, welfare benefits, and cell phone and data usage.

**Plan-Based Awards**

As further discussed in "Compensation Discussion and Analysis — Assembling the Components of

Compensation," the Company maintained a cash incentive award program and equity incentive award program for its

NEOs for the year ended December 31, 2025.

The following table sets forth for the year ended December 31, 2025, certain information as to grants of plan-

based cash awards:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Grants of Plan-Based Awards Non-Equity Awards** | **Grants of Plan-Based Awards Non-Equity Awards** | **Grants of Plan-Based Awards Non-Equity Awards** | **Grants of Plan-Based Awards Non-Equity Awards** | **Grants of Plan-Based Awards Non-Equity Awards** |
|  |  | **Estimated future payouts under non-equity incentive plan awards** | **Estimated future payouts under non-equity incentive plan awards** | **Estimated future payouts under non-equity incentive plan awards** |
| **Name** | **Grant** <br>**Date**<br>| **Threshold** <br>**($)**<br>| **Target** <br>**($)**<br>| **Maximum** <br>**($)**<br>|
| Steven M. Klein | 2/26/25 | 234000 | 468000 | 702000 |
| William R. Jacobs | 2/26/25 | 119625 | 239250 | 358875 |
| David V. Fasanella | 2/26/25 | 103125 | 206250 | 309375 |
| Robin Lefkowitz | 2/26/25 | 104500 | 209000 | 313500 |
| Vickie Tomasello | 2/26/25 | 88750 | 177500 | 266250 |

---

See "Compensation Discussion and Analysis - Cash Incentives," for actual awards made under the 2025 Executive

Management Cash Incentive Plan.

The following table sets forth for the year ended December 31, 2025, certain information as to grants of plan-

based equity awards:

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Grants of Plan-Based Equity Awards**<br>**Estimated Future Payouts Under Equity Incentive Plan Awards** | **Grants of Plan-Based Equity Awards**<br>**Estimated Future Payouts Under Equity Incentive Plan Awards** | **Grants of Plan-Based Equity Awards**<br>**Estimated Future Payouts Under Equity Incentive Plan Awards** | **Grants of Plan-Based Equity Awards**<br>**Estimated Future Payouts Under Equity Incentive Plan Awards** | **Grants of Plan-Based Equity Awards**<br>**Estimated Future Payouts Under Equity Incentive Plan Awards** | **Grants of Plan-Based Equity Awards**<br>**Estimated Future Payouts Under Equity Incentive Plan Awards** | **Grants of Plan-Based Equity Awards**<br>**Estimated Future Payouts Under Equity Incentive Plan Awards** | **Grants of Plan-Based Equity Awards**<br>**Estimated Future Payouts Under Equity Incentive Plan Awards** |
| **Name** | **Grant** <br>**Date**<br>| **Threshold** <sup>(2)</sup><br>**(#)**<br>| **Target**<sup>(2)</sup><br>**(#)**<br>| **Stretch**<sup>(2)</sup><br>**(#)**<br>| **Maximum**<sup>(2)</sup><br>**(#)**<br>| **All other** <br>**stock** <br>**awards:** <br>**Number of** <br>**shares of** <br>**stock or** <br>**units (#)**<br>| **Grant date** <br>**Fair** <br>**Value of Stock** <br>**and Option** <br>**Awards**<sup>(1)</sup><br>**($)**<br>|
| Steven M. <br>Klein<br>| 1/24/25 | 12116 | 24233 | 36349 | 45436 | 24233 | 565114 |
| William R. <br>Jacobs<br>| 1/24/25 | 4956 | 9912 | 14868 | 18585 | 9912 | 231148 |
| David V. <br>Fasanella<br>| 1/24/25 | 4699 | 9399 | 14098 | 17623 | 9399 | 219185 |
| Robin <br>Lefkowitz<br>| 1/24/25 | 4127 | 8255 | 12382 | 15478 | 8255 | 192507 |
| Vickie <br>Tomasello<br>| 1/24/25 | 3968 | 7936 | 11904 | 14880 | 7936 | 185068 |

---

(1)Represents the grant date fair value of awards to each Named Executive Officer at Target based on Northfield Bancorp, Inc. stock price of $11.66 as of close of business

on January 24, 2025.

(2)The performance award payouts above are subject to a Modifier which in addition, provides for (i) a downward 25% adjustment if Core ROAA is below the 35<sup>th</sup>

percentile as measured against the Company's peer group as determined by the Compensation Committee of the Board; and (ii) an upward adjustment of payout of 25%

if Core ROAA is at or above the 50<sup>th</sup> percentile. Between the 35<sup>th</sup> percentile and less than the 50<sup>th</sup> percentile, the Modifier is applied on a pro rata basis. The award

payouts above assumes Core ROAA is at Target.

The following table sets forth certain information regarding stock awards and stock options outstanding at

December 31, 2025, for the NEOs:

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Outstanding Equity Awards at Fiscal Year-End** | **Outstanding Equity Awards at Fiscal Year-End** | **Outstanding Equity Awards at Fiscal Year-End** | **Outstanding Equity Awards at Fiscal Year-End** | **Outstanding Equity Awards at Fiscal Year-End** | **Outstanding Equity Awards at Fiscal Year-End** | **Outstanding Equity Awards at Fiscal Year-End** | **Outstanding Equity Awards at Fiscal Year-End** |
|  | **Stock Option Awards** | **Stock Option Awards** | **Stock Option Awards** | **Stock Option Awards** | **Stock Option Awards** | **Stock Awards** | **Stock Awards** |
| **Name** | **Grant** <br>**Date**<br>| **Number of** <br>**securities** <br>**underlying** <br>**unexercised** <br>**options** <br>**(exercisable)** <br>**(#)**<br>| **Number of** <br>**securities** <br>**underlying** <br>**unexercised** <br>**options** <br>**(unexercisable)** <br>**(#)**<br>| **Option** <br>**exercise** <br>**price** <br>**($)**<br>| **Option** <br>**expiration** <br>**date**<sup>(1)</sup><br>| **Number** <br>**of shares** <br>**or units** <br>**of stock** <br>**that** <br>**have not** <br>**vested** <br>**(#)**<br>| **Market** <br>**value of** <br>**shares or** <br>**units of** <br>**stock that** <br>**have not** <br>**vested**<sup>(2)(3)</sup><br>**($)**<br>|
| Steven M. Klein | 11/1/17 | 40000 |  | 16.89 | 11/1/27 |  |  |
| Steven M. Klein | 1/29/21 |  |  |  |  | 2297 | 26255 |
| Steven M. Klein | 1/27/23 |  |  |  |  | 4465 | 51035 |
| Steven M. Klein | 1/26/24 |  |  |  |  | 27349 | 312599 |
| Steven M. Klein | 1/24/25 |  |  |  |  | 48466 | 553966 |
| William R. <br>Jacobs | 1/29/21 |  |  |  |  | 986 | 11270 |
| William R. <br>Jacobs | 1/27/23 |  |  |  |  | 1925 | 22003 |
| William R. <br>Jacobs | 1/26/24 |  |  |  |  | 12710 | 145275 |
| William R. <br>Jacobs | 1/24/25 |  |  |  |  | 19824 | 226588 |
| David V. <br>Fasanella | 1/29/21 |  |  |  |  | 925 | 10573 |
| David V. <br>Fasanella | 1/27/23 |  |  |  |  | 1824 | 20848 |
| David V. <br>Fasanella | 1/26/24 |  |  |  |  | 12052 | 137754 |
| David V. <br>Fasanella | 1/24/25 |  |  |  |  | 18798 | 214861 |
| Robin Lefkowitz | 11/16/16 | 40000 |  | 18.44 | 11/16/26 |  |  |
| Robin Lefkowitz | 1/29/21 |  |  |  |  | 788 | 9007 |
| Robin Lefkowitz | 1/27/23 |  |  |  |  | 1555 | 17774 |
| Robin Lefkowitz | 1/26/24 |  |  |  |  | 10504 | 120061 |
| Robin Lefkowitz | 1/24/25 |  |  |  |  | 16510 | 188709 |
| Vickie <br>Tomasello | 1/26/24 |  |  |  |  | 10174 | 116289 |
| Vickie <br>Tomasello | 1/24/25 |  |  |  |  | 15872 | 181417 |

---

(1)Stock options expire if unexercised 10 years from the grant date.

(2)Restricted stock units represent a Target level of performance.

(3)Amount is based on $11.43 per share, which is the last reported closing price of the Bancorp's common stock on December 31, 2025.

The following table provides information concerning stock option exercises and the vesting of stock awards for

each NEOs during 2025:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Stock Option Exercised and Vested** | **Stock Option Exercised and Vested** | **Stock Option Exercised and Vested** | **Stock Option Exercised and Vested** | **Stock Option Exercised and Vested** |
|  | **Options Exercised and Stock Vested** | **Options Exercised and Stock Vested** | **Options Exercised and Stock Vested** | **Options Exercised and Stock Vested** |
|  | **Option Awards** | **Option Awards** | **Stock Awards** | **Stock Awards** |
| **Name** | **Number of** <br>**Shares** <br>**Acquired on** <br>**Exercise** <br>**(#)**<br>| **Value** <br>**Realized** <br>**on Exercise** <br>**($)**<br>| **Number of** <br>**Shares** <br>**Acquired** <br>**on Vesting** <br>**(#)**<br>| **Value** <br>**Realized** <br>**on** <br>**Vesting**<sup>(1)</sup> <br>**($)**<br>|
| Steven M. Klein |  |  | 16802 | 196889 |
| William R. Jacobs |  |  | 7399 | 86688 |
| David V. Fasanella |  |  | 6985 | 81839 |
| Robin Lefkowitz |  |  | 5937 | 69551 |
| Vickie Tomasello |  |  | 2034 | 23716 |

---

(1) "Value Realized on Vesting" is based on the closing price of Northfield Bancorp, Inc. common stock on date of vesting.

**Non-Qualified Deferred Compensation Plan**

The Northfield Bank Non-Qualified Deferred Compensation Plan provides for the elective deferral of fees by

participating members of the Boards of Directors, and the elective deferral of compensation and/or performance-based

compensation payable to eligible employees of the Bancorp and Northfield Bank. A designated amount of director fees,

compensation and/or performance-based compensation may be deferred until one of the specified events in the plan occurs,

which permits all or part of the monies so deferred, together with earnings, to be distributed to participants or their

beneficiaries.

In addition, the plan provides eligible employees of Northfield Bank with supplemental retirement income from

Northfield Bank when such amounts are not payable under the contribution formula of the Northfield Bank 401(k) Savings

Plan, due to reductions and other limitations imposed under the Internal Revenue Code.

Members of the Boards of Directors of the Bancorp and Northfield Bank, and certain employees, are eligible to

participate in the plan. In the Company's sole discretion, each participant may request that his or her deferred compensation

account be deemed to be invested in any one or more of the investment options available to the Company. A participant

may periodically request a change to his or her investment allocation deemed available under the plan. If any participant

fails to direct the investment of his or her deferred compensation account, or to the extent the employer chooses not to

honor the participant's request, the deferred compensation account will be deemed to bear interest at the rate prevailing for

30-year United States Treasury Bonds.

With respect to amounts of deferred director fees, deferred compensation or performance-based compensation,

distributions will be made under the plan in the event of the participant's retirement, death, termination due to disability,

separation from service prior to the participant's retirement date, upon the establishment of an unforeseeable emergency,

upon a change in control, or upon the attainment of a specific date of distribution in a single lump sum or in up to 15

annual installment payments, as designated by the participant in his or her enrollment agreement. In the case of an

unforeseeable emergency, the amounts distributed will not exceed the amounts necessary to satisfy the emergency plus an

amount necessary to pay any taxes owed on the distribution. In the event the participant fails to designate a payment

schedule on his enrollment agreement or if the entire balance credited to the participant's account is less than $10,000,

payment will be made in a single lump sum. If a participant dies before receiving the full amount of his benefit, the

remaining amounts will be paid to the participant's designated beneficiary according to the participant's form of election

or, if there is no designated beneficiary at the time of the participant's death, to the participant's estate in a single lump

sum. Distributions to certain "specified employees" on account of their separation from service may be delayed for six

months, if necessary, to comply with Internal Revenue Code Section 409A.

In addition, the Non-Qualified Deferred Compensation Plan provides for benefits which supplement those paid

under the 401(k) Savings Plan in the event of normal, early or postponed retirement, death, or termination of service. Such

benefits will be equal to the sum of: (i) the maximum amount of employer matching contributions provided to a participant

each calendar year, assuming a participant's maximum contributions, reduced by the amount of employer matching

contributions made for the participant under the 401(k) Savings Plan for such year, adjusted by gains and losses; (ii)

commencing January 1, 2000, the amount of employer matching contributions not credited to a participant's 401(k)

Savings Plan account as a result of an employer error, adjusted by gains and losses, if any; and (iii) the maximum amount

of discretionary employer contributions that would be provided to a participant under the 401(k) Savings Plan, assuming an

allocation without taking into account the limitations imposed by the Internal Revenue Code, reduced by the amount of

discretionary employer contributions actually made to a participant under the 401(k) Savings Plan for each such year,

adjusted by gains and losses, if any. Benefits payable under this plan that supplement matching contributions under the

401(k) Savings Plan will be aggregated with benefits payable under the Supplemental ESOP (described below). Upon the

occurrence of a distribution event, such benefits will be payable in either a lump sum or installments over a period of up to

15 years, at the election of the participant made in accordance with Section 409A of the Internal Revenue Code.

The Non-Qualified Deferred Compensation plan is considered an unfunded plan for tax and Employee Retirement

Income Security Act purposes. All obligations owing under the plan are payable from the general assets of the Company

and are subject to the claims of the Company's creditors.

**Supplemental Employee Stock Ownership Plan** 

The Northfield Bank Supplemental Employee Stock Ownership Plan (the "Supplemental ESOP") provides

additional cash benefits, equal to the participant's account balance, at retirement or other termination of employment (or

upon a change in control) to participants who are key employees, who are approved by the Compensation Committee and

whose benefits under the tax-qualified ESOP, described below, are limited by tax law limitations applicable to tax-qualified

plans. The Supplemental ESOP credits each participant who also participates in the tax-qualified ESOP with an annual

amount equal to the sum of the difference (expressed in dollars) between (a) the number of shares of common stock of

Northfield Bancorp, Inc. that would have been allocated to the participant's account in the employee stock ownership plan,

but for the tax law limitations, plus earnings thereon, and (b) the actual number of shares allocated to the participant's

account in the employee stock ownership plan plus earnings thereon. In each case, the number of shares will be multiplied

by the fair market value of the shares on the allocation date to determine the annual allocation amount. Each participant is

permitted to make investment recommendations for the annual amount credited to his or her account among a broadly

diversified group of mutual funds selected for investment by a committee appointed by Northfield Bank's Board of

Directors to administer the Supplemental ESOP. Northfield Bank has established a rabbi trust to hold assets attributable to

the Supplemental ESOP to informally fund its benefit obligation. Northfield Bank, at its discretion, may account for the

Supplemental ESOP solely as bookkeeping entries. Whether or not a rabbi trust is established, the participant's account

value is based on the value of the investments in which the participant invests, or is deemed to invest, in their account.

Benefits distributed to participants from the Supplemental ESOP will be aggregated with benefits payable under the

matching contributions portion of the Nonqualified Deferred Compensation Plan (described above). Upon the occurrence

of a distribution event, such benefits will be payable in either a lump sum or installments over a period of up to 15 years, at

the election of the participant made in accordance with Section 409A of Internal Revenue Code.

The following table sets forth certain information with respect to our Non-Qualified Deferred Compensation Plans

at and for the year ended December 31, 2025:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Non-Qualified Deferred Compensation Plan** | **Non-Qualified Deferred Compensation Plan** | **Non-Qualified Deferred Compensation Plan** | **Non-Qualified Deferred Compensation Plan** | **Non-Qualified Deferred Compensation Plan** | **Non-Qualified Deferred Compensation Plan** |
| **Name** | **Executive** <br>**contributions in** <br>**last fiscal year** <br>**($)**<sup>(1)</sup><br>| **Registrant** <br>**contributions in** <br>**last fiscal year** <br>**($)**<sup>(1)</sup><br>| **Aggregate** <br>**earnings in last** <br>**fiscal year** <br>**($)**<sup>(2)</sup><br>| **Aggregate** <br>**withdrawals/** <br>**distributions**<br>**($)**<br>| **Aggregate balance** <br>**at last fiscal year** <br>**end**<br>**($)**<sup>(3)</sup><br>|
| Steven M. Klein | 23278 | 28871 | 235597 |  | 1794477 |
| William R. Jacobs | 12950 | 5703 | 22953 |  | 192135 |
| David V. Fasanella | 32828 | 4192 | 37407 |  | 295243 |
| Vickie Tomasello |  | 241 |  |  | 241 |
| Robin Lefkowitz | 37404 | 1924 | 7038 |  | 68678 |

---

(1)Contributions included in the "Executive contributions in last fiscal year" and the "Registrant contributions in last fiscal year" columns are included as compensation for

the listed individuals in the Summary Compensation Table.

(2)Amounts included in the "Aggregate earnings in last fiscal year" are not included as compensation for the listed individuals in the Summary Compensation Table as such

earnings are not preferential or "above market."

(3)Amounts included in the "Aggregate balance at last fiscal year end" previously were reported as compensation for the listed individuals except to the extent that such

balances reflect earnings, all of which were not preferential or "above market."

**Disability Coverage**

All Named Executive Officers are eligible to purchase supplemental short-term disability coverage through

Northfield Bank on the same terms and conditions as other Northfield Bank employees.

**Life Insurance Coverage**

Named Executive Officers receive life insurance coverage for the term of their employment at Northfield Bank.

The benefit is valued at two times their annual base salary, up to a maximum benefit of $750,000. This benefit ceases upon

termination of employment and is not transferable.

**Employment Agreements**

Northfield Bank has entered into employment agreements with each of the Named Executive Officers. Northfield

Bancorp, Inc. is a signatory to each of the agreements for the sole purpose of guaranteeing payments thereunder. Each of

these agreements has an initial term of three years. Each year, on the anniversary date of the agreements, the employment

agreements for all Named Executive Officers renew for an additional year so that the remaining term will be three years

unless notice of non-renewal is provided to the executive prior to such anniversary date. If a contract is not renewed, the

remaining term of the contract will be two years. The Compensation Committee of the Board of Directors conducts a

performance evaluation of each executive to determine whether to renew the employment agreement. The Compensation

Committee also evaluates the terms and conditions of the agreements prior to renewal, in consultation with independent

third-party compensation consultants, to determine that such terms and conditions are competitive with the market for the

designated positions. The Compensation Committee will present its findings to the Board of Directors who either will

approve renewal or non-renewal. If the Board determines not to renew an employment agreement, it must give notice to the

executive within the prescribed timeframe prior to the anniversary date as provided for in the underlying contract.

The employment agreement for Mr. Klein provides for payments and benefits, as defined in the contract, to be

calculated for up to a three-year period and for Messrs. Jacobs and Fasanella, Ms. Lefkowitz and Ms. Tomasello, for up to

a two-year period. Each of the contracts was renewed effective January 1, 2026.

Under the employment agreements base salaries for Messrs. Klein, Jacobs, and Fasanella, Ms. Lefkowitz, and Ms.

Tomasello were $780,000, $435,000, $412,500, $380,000 and $355,000, respectively, as of December 31, 2025. In

addition to base salary, each agreement provides for, among other things, participation in certain cash incentive programs

and other employee retirement benefit and fringe benefit plans applicable to executive employees. Northfield Bank will

also pay or reimburse each executive for all reasonable business expenses incurred by the executive in the performance of

his/her obligations. In addition, Northfield Bank will pay directly or reimburse Mr. Klein for the expense of leasing an

automobile and reasonable expenses associated with the use of such automobile. Each employment agreement may be

terminated for cause at any time, in which event the executive would have no right to receive compensation or other

benefits under the employment agreement for any period after termination.

Certain events resulting in the executive's termination or resignation entitle the executive to payments of

severance benefits following termination of employment. If the executive's employment is terminated for reasons other

than "just cause" (as defined in the employment agreements), "disability" (as defined in the employment agreements), or

death, or if the executive resigns during the term of the agreement following:

(i)the failure to elect or reelect or to appoint or reappoint the executive to the employee position;

(ii)a material change in the executive's functions, duties, or responsibilities that would cause the

executive's position to become one of lesser responsibility, importance or scope;

(iii)a relocation of the executive's principal place of employment by more than 35 miles from

designated areas;

(iv)a material reduction in the benefits and perquisites of the executive, other than a reduction in

pay or benefits of all Northfield Bank employees;

(v)the liquidation or dissolution of Northfield Bank or Northfield Bancorp, Inc. that would affect

the status of the executive; or

(vi)a material breach of the employment agreement by Northfield Bank;

the executive would be entitled to a lump sum cash severance payment and the continuation of certain health and

welfare benefits (or a cash equivalent payment if such benefits cannot be provided) for the prescribed period of time after

termination of employment, as more fully described under the table "Potential Payments to Named Executive Officers."

Any payment or benefit payable as a result of an executive's involuntary termination or resignation for good reason (prior

to a change in control) is contingent on the executive's execution and non-revocation of a release of claims against

Northfield Bancorp, Inc. and Northfield Bank.

In the event an executive's employment is terminated (without cause) or the executive resigns in connection with

or following a corporate transaction characterized as a "change in control" and due to the occurrence of one of the events

described in the immediately preceding paragraph, the executive would also be entitled to a lump sum cash severance

payment and the continuation of certain health and welfare benefits, including health and life insurance benefits for the

prescribed period of time after termination of employment, as more fully described under the table "Potential Payments to

Named Executive Officers." Payments will be made in a lump sum within 30 days after the date of termination, or, if

necessary to avoid penalties under Section 409A of the Internal Revenue Code, no later than the first day of the seventh

month following the date of termination. In addition, the executive and his or her family would be entitled, at no expense to

the executive, to the continuation of certain health and welfare benefits for 18 months following the date of termination. If

such benefits cannot be provided, a lump sum cash payment for the value of such benefits will be made to the executive.

Notwithstanding the foregoing, if payments to the executive would result in an "excess parachute payment" as

defined in Section 280G of the Internal Revenue Code, payments under the employment agreements would be reduced to

avoid such a result.

The employment agreements provide that in the event of the executive's disability, the executive's obligation to

perform services under the employment agreement will terminate, and the executive will continue to receive his or her then

current base salary for one year. Such payments will be reduced by the amount of any short- or long-term disability

benefits payable under any disability program sponsored by Northfield Bancorp, Inc. or Northfield Bank. If disability

payments are not subject to federal income tax, then amounts payable to the executives under the employment agreements

will be tax adjusted assuming a combined federal, state, and city tax rate of 38%, to determine the reduction in payments

under the agreement, to reflect the tax-free nature of the disability payments. In addition, the executive and his dependents

will continue to be provided with certain medical, dental and other health benefits on the same terms as those provided

prior to the executive's termination for a period of one year.

In the event of the executive's death, the executive's estate or beneficiaries will be paid the executive's base salary

for one year and will receive continued medical, dental, and other health benefits for one year on the same terms as those

provided prior to the executive's death.

Upon termination of employment, other than in connection with a change in control, the executives agree not to

solicit Northfield Bank's employees or customers for a period of one year (two years in the case of Mr. Klein if receiving

benefits under the agreement). Also, if receiving severance payments under the agreement (other than following a change

in control) the executives agree not to compete with Northfield Bank for a period of one year in the case of Messrs. Jacobs

and Fasanella, Ms. Lefkowitz, and Ms. Tomasello, and two years in the case of Mr. Klein in any city, town or county in

which the executive's normal business office is located and Northfield Bank has an office or has filed an application for

regulatory approval to establish an office.

**Potential Payments to Named Executive Officers**

The below table sets forth estimates of the amounts that would be payable to the listed individuals, under their

employment agreements and stock option and restricted stock agreements in the event of their termination of employment

on December 31, 2025, under designated circumstances. The table does not include vested or accrued benefits under

qualified and non-qualified benefit plans or qualified or non-qualified deferred compensation plans that are disclosed

elsewhere in this Proxy Statement. The estimates shown are highly dependent on a variety of factors, including but not

limited to the date of termination, interest rates, federal, state, and local tax rates, and compensation history. Actual

payments due could vary substantially from the estimates shown. For example, the amounts presented in the table below

for discharge without Cause or resignation with Good Reason in connection with a change in control have not been reduced

to reflect any cut-back required to avoid an excess parachute payment under Section 280G of the Internal Revenue Code.

We consider each termination scenario listed below to be exclusive of all other scenarios and do not expect that any of our

executive officers would be eligible to collect the benefits shown under more than one termination scenario. If an executive

officer is terminated for "just cause" as defined in the employment agreement, the Company has no contractual payment or

other obligations under the employment agreement.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Potential Payments to Named Executive Officers** | **Potential Payments to Named Executive Officers** | **Potential Payments to Named Executive Officers** | **Potential Payments to Named Executive Officers** | **Potential Payments to Named Executive Officers** | **Potential Payments to Named Executive Officers** |
|  | **Mr.** | **Mr.** | **Mr.** | **Ms.** | **Ms.** |
|  | **Klein** | **Jacobs** | **Fasanella** | **Lefkowitz** | **Tomasello** |
| **Disability**<sup>(1)</sup> |  |  |  |  |  |
| Salary continuation | $605745 | $260745 | $238245 | $205745 | $180745 |
| Acceleration of vesting of equity awards<sup>(6)</sup> | 943855 | 405136 | 384037 | 335551 | 297706 |
| Medical, dental and other health benefits | 20735 | 144 | 20735 | 144 | 20735 |
| ***Total*** | ***$1570335*** | ***$666025*** | ***$643017*** | ***$541440*** | ***$499186*** |
| **Death**<sup>(2)</sup> |  |  |  |  |  |
| Salary (lump-sum payment) | $780000 | $435000 | $412500 | $380000 | $355000 |
| Acceleration of vesting of equity awards<sup>(6)</sup> | 943855 | 405136 | 384037 | 335551 | 297706 |
| Medical, dental and other health benefits | 20735 | 144 | 20735 | 144 | 20735 |
| ***Total*** | ***$1744590*** | ***$840280*** | ***$817272*** | ***$715695*** | ***$673441*** |
| **Discharge Without Cause or Resignation With** <br>**Good Reason — No Corporate Transaction**<sup>(3)</sup><br>|  |  |  |  |  |
| Salary (lump sum) | $2340000 | $870000 | $825000 | $760000 | $710000 |
| Bonus (lump sum) | 529410 | 104438 | 100584 | 101994 | 119206 |
| Medical, dental and other health benefits<sup>(4)</sup> | 48480 | 3002 | 48480 | 1735 | 48480 |
| Life insurance contributions<sup>(4)</sup> | 1723 | 941 | 5434 | 1585 | 7824 |
| ***Total*** | ***$2919613*** | ***$978381*** | ***$979498*** | ***$865314*** | ***$885510*** |
| **Discharge Without Cause or Resignation With** <br>**Good Reason — Corporate Transaction**<sup>(5)</sup><br>|  |  |  |  |  |
| Salary (lump sum) | $2340000 | $870000 | $825000 | $760000 | $710000 |
| Bonus (lump sum – see below)<sup>(5)</sup> |  |  |  |  |  |
| Relating to Change in Control | 1079337 | 148874 | 141168 | 143988 | 119206 |
| Relating to Merger of Equals | 529410 | 104438 | 100584 | 101994 | 119206 |
| Acceleration of vesting of equity awards<sup>(6)</sup> | 943855 | 405136 | 384037 | 335551 | 297706 |
| Medical, dental and other health benefits | 48480 | 3002 | 48480 | 1735 | 48480 |
| Life insurance contributions | 1723 | 941 | 5434 | 1585 | 7824 |
| ***Total (Change in Control)*** | ***$4413395*** | ***$1427953*** | ***$1404119*** | ***$1242859*** | ***$1183216*** |
| ***Total (Merger of Equals)*** | ***$3863468*** | ***$1383517*** | ***$1363535*** | ***$1200865*** | ***$1183216*** |

---

(1)All Named Executive Officers receive, for one year following such disability, base salary for one year. The employment agreement provides the executive with her or his

base salary in the first year following disability, reduced by any assumed short-term or long-term disability insurance benefits provided under separate insurance plans

we maintain. The amounts due under the employment agreements are reduced by any assumed short-term or long-term disability insurance benefits provided under

separate insurance plans on a tax-equivalent basis (assuming a 38% tax rate), if such short-term or long-term disability benefits are excludable for federal income tax

purposes. Each Named Executive Officer also receives health benefits previously provided for a period of one year under the same terms immediately prior to

termination due to disability.

(2)Each of the employment agreements provides for a lump sum death benefit equal to one year of base salary for each executive. The employment agreements also provide

for the continuation of medical, dental, and other health benefits to the executive's family for a period of one year at the same terms and cost to the executive

immediately prior to their death.

(3)The employment agreement for Mr. Klein provides for the lump-sum payment of: three times base salary; three times the average annual bonus and/or incentive award

for the three years prior to the year of termination. Employment agreements for Mr. Jacobs, Mr. Fasanella, Ms. Lefkowitz and Ms. Tomasello provide for the lump-sum

payment of: two times base salary; two times the average annual bonus and/or incentive award for the two years prior to the year of termination.

(4)Employment agreements provide for medical, dental, and other health and welfare benefits to the executive and his or her family, at no cost to the executive for a period

of 18 months from the date of termination. The reported figures reflect the estimated present value of the future health care premiums costs, calculated utilizing similar

health care cost increase assumptions we used in measuring our liability for such benefits for financial statement purposes. For purposes of this presentation, the

estimated future costs were discounted at a 2% annual compounding rate. The reported figures also include the estimated costs of group term life insurance benefits at a

discount rate of 2% compounded annually.

(5)Each employment agreement provides for severance benefits on termination following a corporate transaction, defined as a Change in Control, only if the executive's

employment is terminated involuntarily or they resign with Good Reason. Under each of the employment agreements, amounts payable under a Change in Control are

identical to those payable for "Discharge Without Cause or Resignation With Good Reason — no Corporate Transaction" except that: (i) payments pertaining to bonus

and/or incentive awards are based upon the highest annual bonus and/or incentive award earned in any of the three years preceding the year in which the termination

occurs in the case of Mr. Klein, and in any of the two years preceding the year in which the termination occurs in the case of Messrs. Jacobs and Fasanella, Ms.

Lefkowitz, and Ms. Tomasello. All employment agreements limit the total payments to an executive to an amount that is one dollar less than three times the executive's

"base amount" as defined in Section 280G of the Internal Revenue Code. Amount reported as "Bonus" is modified based on whether the corporate transaction is a

Change in Control or Merger of Equals, as defined in the 2019 Equity Incentive Plans and related equity award agreements. Although the term "Merger of Equals" is not

a defined term in the employment agreements, in the event of a Merger of Equals, followed by a termination without cause or for good reason an executive would

receive the same bonus as set forth above under Discharge without cause or Resignation with Good Reason — No Corporate Transaction.

(6)Equity award agreements for all participants, including Named Executive Officers, provide for the acceleration of unvested equity awards in the event of disability,

death, and in certain corporate transactions including a Change in Control as defined under the 2019 Equity Incentive Plans, and a Merger of Equals as defined in the

related equity award agreements for all participants. The amounts reported represent the value of unvested equity awards at December 31, 2025, calculated as the sum of:

(a) unvested shares of restricted stock and/or restricted stock units (time-based and performance-based) multiplied by the last reported closing price of the Bancorp's

common stock as reported on December 31, 2025, of $11.43 per share. The restricted stock units granted in 2025 limit the acceleration of vesting as a result of disability

or death, however, the table above assumes all restricted stock units vest upon disability or death.

**Say-on-Pay**

At the 2025 Annual Meeting, stockholders voted, on an advisory basis, whether to approve the compensation paid

to the Named Executive Officers ("say-on-pay"). A significant majority of the votes, approximately 95%, were cast in

favor of the resolution to approve the executive compensation described in the 2025 Proxy Statement.

At the 2025 Annual Meeting, stockholders voted on a non-binding proposal to establish whether stockholders

should vote on executive compensation every one, two, or three years. A majority of the votes were cast in favor of holding

the non-binding vote on executive compensation every year. The Board of Directors took this vote into account in passing

a resolution in which it approved holding a non-binding stockholder vote on executive compensation every year.

**Compensation Committee Interlocks and Insider Participation**

We have no compensation committee interlocks. Ms. Catino, Ms. Kessler, and Messrs. Harrison and Stahlin,

constitute all of the directors who served on our Compensation Committee at any time during 2025. Each committee

member is and was an independent, outside director, and none is a current or former officer or employee of the Company.

**Director Compensation**

Historically, the Compensation Committee's practice has been to conduct a comprehensive review of director

compensation every three years (the "triennial review"), with the assistance of its independent compensation consultant,

and in consultation with the Nom/Gov Committee. In the intervening years, the Compensation Committee utilizes its

independent consultant to report on current market practices and trends, and to provide guidance for compensation and

other related matters. The Compensation Committee considers, among other things, the size and complexity of the

Company, director's responsibilities, director compensation for comparable companies, marketplace availability of

necessary skill sets, and the time commitment necessary for the Board, through its members, to adequately discharge their

oversight roles and responsibilities.

The below table sets forth the director and committee fee structure for the Board and the below standing

committees as of December 31, 2025. Chairs also receive as members, annual cash fees or per meeting attendance cash

fees. Directors who are also employees of the Company receive no additional compensation for service as a director.

Attendance cash fees, and one-fourth of any annual cash fee, are paid on a quarterly basis in arrears, unless a director elects

to have such fees or a portion thereof, deferred under our nonqualified deferred compensation plan, described below in this

Proxy Statement.

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **Board**<br>**of Directors**<sup>(1)</sup><br>| **Audit**<br>**Committee**<br>| **Compensation** <br>**Committee**<br>| **Nominating and** <br>**Corporate** <br>**Governance** <br>**Committee**<br>|
| Annual Cash Fee-Chair |  | $13000 | $10000 | $8000 |
| Annual Cash Fee-Members | $54000 | $13000 | $10000 | $5500 |
| Per Meeting Cash Fee |  |  |  |  |
| Annual Restricted Stock Award-Members<sup>(2)</sup> | $54000 |  |  |  |

---

(1)Mr. Klein serves as Chairman of the Board and as an employee receives no additional compensation for service as a director.

(2)Actual value of shares received in 2025 is rounded to a whole share. Therefore, the value of restricted stock received each year will be approximately the targeted

amount. Awards are typically granted in January of each year and vest one year later.

Members of each of the Compliance and IT Committee and the Risk Committee receive a member annual cash fee

of $6,600. Members of the Loan Committee receive a $1,100 per meeting (or aggregate meetings at the discretion of the

Loan Committee Chair) attendance fee. Chairs of these committees receive an annual committee chair fee of $8,000. The

Lead Independent Director annual fee is $22,000. Effective January 1, 2026, based on completion of the triennial review

the Annual Equity Award was increased to $60,000 and was granted in the form of Cash Settled Restricted Stock Units.

Also, the Loan Committee fee structure was transitioned to an annual member retainer of $5,500 which anticipates four

quarterly meetings, with additional meetings paid at a rate of $550 per meeting.

The Company also pays directly or reimburses directors for normal, customary, and necessary business expenses,

which include the provision of secure computer tablets to access board meeting materials, relevant professional

memberships, and costs associated with participation in professional training seminars and conferences occurring primarily

in the Company's local market area, subject to annual dollar limitations as set forth by the Nom/Gov Committee.

The below table sets forth for the year ended December 31, 2025 certain information as to the total remuneration

we paid or that was earned by our directors.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Name** | **Fees earned or** <br>**paid in cash** <br>**($)**<sup>(1)</sup><br>| **Restricted** <br>**Stock** <br>**($)**<sup>(2)</sup><br>| **All other** <br>**compensation** <br>**($)**<sup>(3)</sup><br>| **Total** <br>**($)**<br>|
| Annette Catino | 96290 | 53998 | 2110 | 152398 |
| Gil Chapman | 79100 | 53998 | 2110 | 135208 |
| John P. Connors, Jr. | 80700 | 53998 | 2110 | 136808 |
| Timothy C. Harrison | 112740 | 53998 | 2110 | 168848 |
| Karen J. Kessler | 84340 | 53998 | 2110 | 140448 |
| Rachana Kulkarni  | 67440 | 53998 | 2110 | 123548 |
| Frank P. Patafio | 78707 | 53998 | 2110 | 134815 |
| Patrick L. Ryan<sup>(4)</sup> | 34733 | 53998 | 2110 | 90841 |
| Paul V. Stahlin | 93840 | 53998 | 2110 | 149948 |

---

(1)Includes annual fee payments, meeting fees, internet reimbursement, and committee and/or chairperson fees earned during the calendar year, whether the director

received payment of such amounts or elected to defer them.

(2)Represents 4,631 shares of Northfield Bancorp, Inc. stock valued at $11.66 on date of grant (January 24, 2025) which vested on January 24, 2026. For presentation

purposes, amounts are rounded up to the nearest whole dollar.

(3)All other compensation consists solely of dividends paid upon the vesting of restricted stock awards that were withheld while the restricted stock awards were unvested.

For presentation purposes, amounts are rounded up to the nearest whole dollar.

(4)Upon reaching mandatory retirement age, Mr. Ryan retired from the Board following the May 28, 2025 Annual Meeting of Stockholders.

The following table sets forth certain information regarding stock awards outstanding at December 31, 2025, for

non-employee directors, and there are no outstanding stock options:

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Outstanding Director Equity Awards at Fiscal Year-End** | **Outstanding Director Equity Awards at Fiscal Year-End** | **Outstanding Director Equity Awards at Fiscal Year-End** | **Outstanding Director Equity Awards at Fiscal Year-End** | **Outstanding Director Equity Awards at Fiscal Year-End** | **Outstanding Director Equity Awards at Fiscal Year-End** | **Outstanding Director Equity Awards at Fiscal Year-End** |
|  | **Option Awards** | **Option Awards** | **Option Awards** | **Option Awards** | **Option Awards** | **Stock**<br>**Awards**<br>|
| **Name** | **Grant**<br>**Date**<br>| **Number of** <br>**securities** <br>**underlying** <br>**unexercised** <br>**options** <br>**(exercisable)** <br>**(#)**<br>| **Number of** <br>**securities** <br>**underlying** <br>**unexercised** <br>**options** <br>**(unexercisable)** <br>**(#)**<br>| **Option** <br>**exercise** <br>**price** <br>**($)**<br>| **Option** <br>**expiration** <br>**date**<sup>(1)</sup><br>| **Number** <br>**of shares** <br>**or units** <br>**of stock** <br>**that** <br>**have not** <br>**vested** <br>**(#)**<br>|
| Annette Catino | 1/24/25 |  |  |  |  | 4631 |
| Gil Chapman | 1/24/25 |  |  |  |  | 4631 |
| John P. Connors, Jr. | 1/24/25 |  |  |  |  | 4631 |
| Timothy C. Harrison | 1/24/25 |  |  |  |  | 4631 |
| Karen J. Kessler | 1/24/25 |  |  |  |  | 4631 |
| Rachana Kulkarni | 1/24/25 |  |  |  |  | 4631 |
| Frank P. Patafio | 1/24/25 |  |  |  |  | 4631 |
| Patrick L. Ryan<sup>(1)</sup> | 1/24/25 |  |  |  |  | 4631 |
| Paul V. Stahlin | 1/24/25 |  |  |  |  | 4631 |

---

(1) Upon reaching mandatory retirement age, Mr. Ryan retired from the Board following the May 28, 2025 Annual Meeting of Stockholders.

**Merger-Related Compensation Arrangements**

***Settlement Agreements with Executive Officers*.** On January 31, 2026, and in connection with our proposed

merger with Columbia Financial, Inc. (the "Merger"), the Bancorp and Northfield Bank entered into a settlement

agreement with each of Steven Klein, William R. Jacobs, David V. Fasanella, Robin Lefkowitz and Vickie Tomasello. The

settlement agreements provide that effective as the closing of the Merger, the executives' employment agreements will be

terminated, and the executives will not be entitled to any further payments thereunder. Further, Mr. Klein will be subject to

non-competition and non-solicitation provisions for a period of two years following his termination of employment from

Columbia Financial, Inc. and/or Columbia Bank. In consideration for entering into the settlement agreements, Mr. Klein,

Mr. Jacobs, Mr. Fasanella, Ms. Lefkowitz, and Ms. Tomasello will receive lump sum payments of $5,740,307 for Mr.

Klein, $1,495,734 for Mr. Jacobs, $1,414,980 for Mr. Fasanella, $1,304,747 for Ms. Lefkowitz, and $1,131,597 for Ms.

Tomasello, with such amounts subject to reduction to the extent necessary to ensure an excise tax is not imposed by

Sections 280G and 4999 of the Internal Revenue Code, as amended, less required tax withholdings, payable on, or

immediately prior to, the closing of the Merger.

***2026 Equity Awards*.** On February 4, 2026, and in connection with the Merger, William R. Jacobs, David V.

Fasanella, Robin Lefkowitz and Vickie Tomasello were granted equity awards under Northfield Bancorp's 2019 Equity

Incentive Plan, with all such awards in the form of time-based restricted stock units vesting in cash equally over a three-

year period beginning on the first anniversary of the award and in the event of an executive officer's termination without

cause, a termination for good reason, death or disability prior to February 4, 2027, the awards that are otherwise scheduled

to vest on February 4, 2027 will automatically vest. The value of the equity awards upon grant totaled $217,500, $206,250,

$190,000 and $177,500 for Mr. Jacobs, Mr. Fasanella, Ms. Lefkowitz and Ms. Tomasello, respectively.

On February 4, 2026, and in connection with the Merger, each non-employee director of Northfield Bancorp was

granted equity awards under Northfield Bancorp's 2019 Equity Incentive Plan, with all such awards in the form of time-

based restricted stock units to be settled in cash with a one-year cliff vesting schedule, and in the event of a non-employee

director's involuntary termination of service, death or disability, the awards will automatically vest. The value of the equity

awards upon grant totaled $60,000 for each non-employee director.

**ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT** 

**AND RELATED STOCKHOLDER MATTERS**

**Equity Compensation Plans Approved by Stockholders**

Set forth below is certain information as of December 31, 2025, regarding equity compensation plans that

have been approved by stockholders.

---

| | | | |
|:---|:---|:---|:---|
| **Equity compensation plans approved by stockholders** | **Number of** <br>**securities to be** <br>**issued upon** <br>**exercise of** <br>**outstanding** <br>**options and** <br>**rights**<br>| **Weighted** <br>**average** <br>**exercise** <br>**price**<sup>(1)</sup><br>**($)**<br>| **Number of** <br>**securities** <br>**remaining** <br>**available for** <br>**issuance under**<br>**the plan**<sup>(2)(3)</sup><br>|
| Equity compensation plans approved by security holders | 80000 | 17.67 | 1205988 |
| Equity compensation plans not approved by security holders | N/A | N/A | N/A |
| Total | 80000 | 17.67 | 1205988 |

---

<sup>(1)</sup> Exercise price relates only to stock options.

<sup>(2)</sup> Upon stockholder approval of the Northfield Bancorp, Inc. 2019 Equity Incentive Plan on May 22, 2019, the Northfield Bancorp, Inc.

2014 Equity Incentive Plan was frozen and equity awards that otherwise would have been available for issuance are no longer available

for grant. The 2019 Equity Incentive Plan permits the Compensation Committee of the Board to award, at its discretion, the remaining

securities available for issuance under the plans entirely in stock options.

<sup>(3)</sup> Under the 2019 Equity Incentive Plan the maximum number of shares of stock that may be delivered to participants in the form of stock

options or stock appreciation rights (SARs) is six million. To the extent an equity award is issued in the form of a restricted stock grant or

restricted stock unit, the number of stock options/SARs that can be granted is reduced by 4.5. The maximum number of shares of stock

that may be delivered to participants in the form of restricted stock awards or restricted stock units is 1,333,333.

**Stock Ownership**

Persons and groups who beneficially own in excess of 5% of our shares of common stock are required to file

certain reports with the SEC regarding such ownership pursuant to the Securities Exchange Act of 1934 (the

"Exchange Act"). The following table sets forth, as of March 31, 2026, the shares of our common stock beneficially

owned by each person known to us who was the beneficial owner of more than 5% of the outstanding shares of

common stock.

---

| | | |
|:---|:---|:---|
| **Name and Address of** <br>**Beneficial Owner(s)**<br>| **Amount of Shares** <br>**Owned and Nature of** <br>**Beneficial** <br>**Ownership**<sup>(1)</sup><br>| **Percent of Shares** <br>**of Common Stock** <br>**Outstanding**<br>|
| Northfield Bank Employee <br>Stock Ownership Plan Trust and Northfield Bank <br>Savings Plan <br>1013 Centre Road, Suite 300 <br>Wilmington, DE 19805<br>| 3297475 | 7.90% |
| Blackrock, Inc. <br>50 Hudson Yards <br>New York, NY 10001<sup>(2)</sup><br>| 5400149 | 12.93% |
| The Vanguard Group <br>P.O. Box 2600 <br>Valley Forge, PA 19482 <sup>(3)</sup><br>| 2246176 | 5.38% |
| Dimensional Fund Advisors, LP <br>Building One <br>6300 Bee Cave Road <br>Austin, TX 78746 <sup>(4)</sup><br>| 2531384 | 6.06% |

---

(1)In accordance with Rule 13d-3 under the Exchange Act, a person or entity is deemed to be the beneficial owner for purposes of this table of any shares of

common stock, if they have shared voting or investment power with respect to such security, or a right to acquire beneficial ownership at any time within 60 days

from the date as of which beneficial ownership is being determined. As used herein, "voting power" is the power to vote or direct the voting of shares and

"investment power" is the power to dispose or direct the disposition of shares, and includes all shares held directly as well as by spouses and minor children, in

trust and other indirect ownership, over which shares the named individuals effectively exercise sole or shared voting or investment power.

(2)This information is based on Schedule 13F filed with the Securities Exchange Commission on February 12, 2026.

(3)This information is based on Schedule 13F filed with the Securities Exchange Commission on January 29, 2026.

(4)This information is based on Schedule 13F filed with the Securities Exchange Commission on February 12, 2026.

The table below sets forth certain ownership information regarding our Board of Directors and the Named

Executive Officers as of March 31, 2026.

---

| | | | |
|:---|:---|:---|:---|
| **Name**<sup>(1)</sup> | **Positions** <br>**Held in Northfield** <br>**Bancorp, Inc.**<br>| **Shares of** <br>**Common Stock** <br>**Beneficially** <br>**Owned**<sup>(2)</sup><br>| **Percent of** <br>**Class**<br>|
| Annette Catino | Director | 288448<sup>(3)</sup> | \* |
| Gil Chapman | Director | 62419<sup>(4)</sup> | \* |
| John P. Connors, Jr. | Director | 209632<sup>(5)</sup> | \* |
| Timothy C. Harrison | Director | 82313 | \* |
| Karen J. Kessler | Director | 68354<sup>(6)</sup> | \* |
| Steven M. Klein | Chairman, President, and Chief Executive Officer | 639532<sup>(7)</sup> | 1.53% |
| Rachana A. Kulkarni | Director | 18688 | \* |
| Frank P. Patafio | Director | 267362<sup>(8)</sup> | \* |
| Paul V. Stahlin | Director | 54354<sup>(9)</sup> | \* |
| David V. Fasanella | Executive Vice President, Chief Lending Officer | 73398<sup>(10)</sup> | \* |
| William R. Jacobs | Executive Vice President, Chief Financial Officer | 120516<sup>(11)</sup> | \* |
| Vickie Tomasello | Executive Vice President, Chief Risk Officer | 13505 <sup>(12)</sup> | \* |
| Robin Lefkowitz | Executive Vice President, Chief Branch <br>Administration, Deposit Operations and Business <br>Development Officer<br>| 131256<sup>(13)</sup> | \* |
| All Directors and <br>Executive Officers as a <br>group (13 individuals)<br>|  | 2029777 | 4.85%<sup>(14)</sup> |

---

\*Less than 1%.

(1)The mailing address for each person listed is 581 Main Street, Suite 810, Woodbridge, New Jersey, 07095.

(2)See definition of "beneficial ownership" in the table "Voting Securities and Principal Holders Thereof."

(3)Includes 89,852 shares held jointly with Ms. Catino's spouse, 21,000 shares held in Ms. Catino's IRA account, and 37,460 shares held in Ms. Catino's SEP

account.

(4)Includes 7,651 shares held in Mr. Chapman's IRA accounts, 31,897 shares held jointly with Mr. Chapman's spouse and 6,763 shares held by Mr. Chapman's

spouse.

(5)Includes 40,222 shares held in Mr. Connors' IRA accounts, 14,300 shares held jointly with Mr. Connors' spouse, and 841 shares held by Mr. Connors' spouse.

(6)Includes 3,500 shares held in Ms. Kessler's IRA account.

(7)Includes 66,420 shares held in Northfield Bank's 401(k) Plan and 59,119 shares allocated to Mr. Klein under Northfield Bank's ESOP. Also includes 40,000

shares that may be acquired within 60 days of March 31, 2026 by exercising options.

(8)Includes 97,000 shares held jointly with Mr. Patafio's spouse, 10,000 shares held in Mr. Patafio's IRA Account, and shares held by Mr. Patafio's spouse.

Includes shares that may be acquired within 60 days of March 31, 2026 by exercising options.

(9)Includes 40,000 shares held in Mr. Stahlin's IRA account.

(10)Includes 2,362 shares held in Northfield Bank's 401(k) Plan, 9,612 shares allocated to Mr. Fasanella under Northfield Bank's ESOP, and 11,500 shares held in

Mr. Fasanella's Roth IRA account.

(11)Includes 12,837 shares held in Northfield Bank's 401(k) Plan, and 38,614 shares allocated to Mr. Jacobs under Northfield Bank's ESOP.

(12)Includes 1,138 shares allocated to Ms. Tomasello under Northfield Bank's ESOP.

(13)Includes 3,000 shares held jointly with Ms. Lefkowitz's spouse, 25,911 shares held in Northfield Bank's 401(k) Plan, and 38,388 shares allocated to Ms.

Lefkowitz under Northfield Bank's ESOP. Also includes 40,000 shares that may be acquired within 60 days of March 31, 2026, by exercising options.

(14)Directors and executive officers beneficially owned 2,029,777 shares of common stock, or 4.85% of the outstanding shares.

**ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR** 

**INDEPENDENCE**

**Transactions with Certain Related Persons**

Pursuant to our Policy and Procedures for Approval of Related Person Transactions, the Nom/Gov Committee

periodically reviews, no less frequently than annually, a summary of transactions in excess of $50,000 including our

directors, executive officers, and their family members, to determine whether the transactions are in accordance with our

policies and should be ratified and approved. Furthermore, our Loan Committee reviews, no less than quarterly, all loan

transactions with our directors, executive officers, and their family members. Additionally, pursuant to our Code of

Conduct and Ethics for Employees, Officers and Directors, directors and executive officers will report a conflict of interest

or appearance of conflict of interest to the Nom/Gov Committee.

**Loans and Extensions of Credit**

The Sarbanes-Oxley Act of 2002 generally prohibits us from making loans to our executive officers and directors,

but it contains a specific exemption from such prohibition for loans made by Northfield Bank to our executive officers and

directors in compliance with federal banking regulations.

The aggregate amount of outstanding loans to executive officers and directors and their related entities was

$1,222,627 at December 31, 2025. All such loans were approved by the Board of Directors and were made in the ordinary

course of business on substantially the same terms, including interest rates and collateral, as those prevailing at the time for

comparable loans with persons not related to Northfield Bank, and did not involve more than the normal risk of

collectability or present other unfavorable features. These loans were performing according to their original terms at

December 31, 2025, and were made in compliance with federal banking regulations.

**Director Independence**

The Board of Directors determines the independence of each director in accordance with NASDAQ rules. The

Board of Directors has determined that each of our directors, other than Mr. Klein, meets the standards to be considered an

independent director. In addition, the Board of Directors has determined that all of our directors, other than Mr. Klein,

qualify to serve on the Audit Committee and the Compensation Committee pursuant to additional applicable independence

requirements and guidelines of NASDAQ and the rules and regulations of, and interpretations of, the SEC.

In making its independence determinations, the Board of Directors considered a reported family relationship

between Mr. Harrison and an employee of Advance Local Media LLC, who is its chief executive officer, through which

Northfield Bank places newspaper and digital advertisements from time to time. There is no contract for such advertising.

Northfield Bank pays for advertising space only and Advance Local Media LLC does not provide any professional

services. In 2025, Northfield Bank did not purchase any advertising space from Advance Local Media LLC.

**ITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICES**

**Auditor Fees and Services**

The following table presents fees for professional services rendered by Crowe LLP for 2025 and 2024:

---

| | | |
|:---|:---|:---|
|  | **Year Ended** <br>**December 31,** <br>**2025**<br>| **Year Ended** <br>**December 31,** <br>**2024**<br>|
| Audit Fees | $611000 | $568000 |
| Audit-Related Fees |  | 7000 |
| Tax Fees | 69510 | 77661 |
| Total Fees | $680510 | $652661 |

---

The following table presents fees for professional services rendered by our former independent registered public

accounting firm, KPMG LLP for 2024:

---

| | | |
|:---|:---|:---|
|  | **Year Ended** <br>**December 31,** <br>**2025**<br>| **Year Ended** <br>**December 31,** <br>**2024**<br>|
| Audit Fees | $— | $— |
| Audit-Related Fees |  | 125000 |
| Total Fees | $— | $125000 |

---

The aggregate fees included in the Audit Fees category were fees billed or expected to be billed for the calendar

years for the audit of our annual financial statements and the review of our quarterly financial statements.

**Audit Fees**

Audit fees of $611,000 for the year ended December 31, 2025, and $568,000 for the year ended December 31,

2024, were for professional services rendered for the audits of our consolidated financial statements, review of quarterly

financial information, and the internal control attestations required under the Sarbanes-Oxley Act of 2002 and the Federal

Deposit Insurance Corporation regulations for the years ended December 31, 2025 and 2024.

**Audit-Related Fees**

During 2024, the Company incurred $125,000 in fees for professional services rendered by KPMG LLP in

connection with issuing of their consent with the filing of the Company's Form 10-K for 2024 and 2023. During 2024, the

Company incurred $7,000 of fees for services rendered by Crowe LLP incurred for the assessment of the Company's

goodwill for potential impairment.

**Tax Fees or Other Fees**

During 2025 and 2024, the Company incurred $69,510 and $77,661, respectively, in fees for tax services rendered

by Crowe LLP. No other fees were incurred for 2025 or 2024.

**Policy for Approval of Audit and Permitted Non-audit Services**

The Audit Committee's policy is to pre-approve all audit and non-audit services provided by the independent

registered public accounting firm, either by approving services prior to the engagement or pursuant to a pre-approval policy

with respect to particular services. These services may include audit services, audit-related services, tax services, and other

services. The Audit Committee has delegated pre-approval authority to the Chair of the Audit Committee when expediency

is necessary. The independent registered public accounting firm and management are required to periodically report to the

full Audit Committee regarding the extent of services provided by the independent registered public accounting firm in

accordance with this pre-approval, and the fees for the services performed to date.

All audit, tax, and other categories of fees, as applicable, described below were approved either as part of our

engagement for professional services or pursuant to the pre-approval policy described above. The Audit Committee

concluded that the provision of all such services, as applicable, was compatible with the maintenance of independence in

the conduct of performing auditing functions.

**PART IV**

**ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES**

(a)(3) <u>Exhibits</u>

---

| | | |
|:---|:---|:---|
| **<u>Exhibit</u>** <br>**<u>No.</u>**<br>| **<u>Description</u>** | **<u>Location</u>** |
| <u>[31.1](nfbk10-ka20251231exhibit311.htm)</u> | Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of <br>2002<br>| Filed <br>herewith<br>|
| <u>[31.2](nfbk10-ka20251231exhibit312.htm)</u> | Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of <br>2002<br>| Filed <br>herewith<br>|

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**<u>SIGNATURES</u>**

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has

duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

**NORTHFIELD BANCORP, INC.**

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| | | | |
|:---|:---|:---|:---|
| Date: | April 28, 2026 | By: | <u>/s/ Steven M. Klein</u> |
|  |  |  | Steven M. Klein |
|  |  |  | Chairman, President and Chief Executive Officer |
|  |  |  | (Duly Authorized Representative) |

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## Exhibit 31.1

**Exhibit 31.1**

**Certification of Chief Executive Officer**

**Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002**

I, Steven M. Klein, certify that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.I have reviewed this Amendment No. 1 to the Annual Report on Form 10-K/A of Northfield Bancorp, Inc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report.

---

| | |
|:---|:---|
| Date: | April 28, 2026 |
| /s/ Steven M. Klein | /s/ Steven M. Klein |
| Steven M. Klein | Steven M. Klein |
| Chairman, President and Chief Executive Officer | Chairman, President and Chief Executive Officer |
| (Principal Executive Officer) | (Principal Executive Officer) |

---

## Exhibit 31.2

**Exhibit 31.2**

**Certification of Chief Financial Officer**

**Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002**

I, William R. Jacobs, certify that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.I have reviewed this Amendment No. 1 to the Annual Report on Form 10-K/A of Northfield Bancorp, Inc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report.

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| | |
|:---|:---|
| Date: | April 28, 2026 |
| /s/ William R. Jacobs | /s/ William R. Jacobs |
| William R. Jacobs | William R. Jacobs |
| Executive Vice President and Chief Financial Officer | Executive Vice President and Chief Financial Officer |
| (Principal Financial and Accounting Officer) | (Principal Financial and Accounting Officer) |

---

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