Northfield Bancorp, Inc. is a holding company for Northfield Bank (the Bank). Northfield Bank’s principal business consists of gathering deposits, and borrowing funds, and using such funds to originate multifamily real estate loans and commercial real estate loans, purchase investment securities, including mortgage-backed securities and corporate bonds, as well as deposit funds in other financial institutions. Northfield Bank also offers construction and land loans, commercial and industrial loans, one- to four-family residential mortgage loans, and home equity loans and lines of credit. Northfield Bank offers a range of deposit accounts, including certificates of deposit, passbook, statement, and money market savings accounts, transaction deposit accounts (Negotiable Orders of Withdrawal (NOW) accounts and non-interest bearing demand accounts), individual retirement accounts, and brokered deposits. Northfield Bank offers insurance products through NSB Insurance Agency, Inc.