Northfield Bancorp (NFBK) EVP Jacobs reports tax-withholding stock sales

Rhea-AI Filing Summary

Northfield Bancorp, Inc. executive William R. Jacobs, EVP & PAO, reported tax-related share transactions in company stock. On 01/27/2026 and 01/29/2026, transactions coded “F” covered 943 and 482 shares at $11.99 and $12.15 to satisfy tax obligations tied to stock appreciation rights.

After these transactions, Jacobs directly held 69,065 common shares. The filing also shows indirect holdings of 35,846.22 shares through an ESOP and 12,718.99 shares through a 401(k), reflecting positions not required to be separately reported as transactions.

Insider Trade Summary

4 transactions reported

Mixed 4 txns

Insider Jacobs William R.

Role EVP & PAO

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	482	$12.15	$6K
Tax Withholding	Common Stock	943	$11.99	$11K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 69,065 shares (Direct); Common Stock — 35,846.22 shares (Indirect, By ESOP)

Footnotes (1)

1. Represents shares sold by the Reporting Person to satisfy tax obligations in connection with an exercise of stock appreciation rights. Reflects transactions not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934, as amended.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Jacobs William R.

(Last) (First) (Middle)

581 MAIN STREET

SUITE 810

(Street)

WOODBRIDGE NJ 07095

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Northfield Bancorp, Inc. [ NFBK ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP & PAO

3. Date of Earliest Transaction (Month/Day/Year)
01/27/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	01/27/2026		F		943(1)	D	$11.99	69,547	D
Common Stock	01/29/2026		F		482(1)	D	$12.15	69,065	D
Common Stock								35,846.22(2)	I	By ESOP
Common Stock								12,718.99(2)	I	By 401(k)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents shares sold by the Reporting Person to satisfy tax obligations in connection with an exercise of stock appreciation rights.

2. Reflects transactions not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934, as amended.

Remarks:

	/s/ William R. Jacobs	01/29/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Northfield Bancorp (NFBK) EVP William Jacobs report on this Form 4?

He reported two tax-related share transactions in Northfield Bancorp common stock. These were coded “F,” indicating shares were used to satisfy withholding taxes tied to stock appreciation rights, rather than open-market discretionary sales, and updated his direct and indirect ownership positions.

How many Northfield Bancorp (NFBK) shares did William Jacobs use for tax withholding?

He used 943 shares on January 27, 2026 and 482 shares on January 29, 2026. The shares were valued at $11.99 and $12.15 respectively, with the Form 4 noting they were applied to satisfy tax obligations from exercising stock appreciation rights.

How many Northfield Bancorp (NFBK) shares does William Jacobs own after the reported transactions?

Following the reported tax-related share transactions, he directly owns 69,065 Northfield Bancorp common shares. The filing also lists additional indirect ownership interests through an employee stock ownership plan and a 401(k) plan, reported as separate indirect holdings rather than direct shares.

Are the Northfield Bancorp (NFBK) transactions by William Jacobs open-market sales?

The transactions are coded “F,” meaning they represent shares withheld or sold to cover tax obligations. A footnote explains the shares were used to satisfy taxes related to exercising stock appreciation rights, distinguishing them from discretionary open-market selling for investment reasons.

What indirect Northfield Bancorp (NFBK) holdings does William Jacobs report?

He reports 35,846.22 shares held indirectly through an ESOP and 12,718.99 shares through a 401(k). These positions reflect plan-based ownership rather than directly held stock certificates, and are shown separately from his direct 69,065-share ownership position in the company’s common stock.

What is the role of William Jacobs at Northfield Bancorp (NFBK) according to the filing?

He is identified as an officer of Northfield Bancorp with the title EVP & PAO. The Form 4 confirms he is not a director or 10% owner, but is a corporate executive whose transactions in company stock require reporting under Section 16 rules.