Northfield Bancorp, Inc. is a holding company for Northfield Bank (the Bank). The Bank�s principal business consists of gathering deposits, and to a lesser extent, 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 depositing funds in other financial institutions. The 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. The Bank offers a range of deposit accounts, including certificates of deposit, passbook, statement, and money market savings accounts, transaction deposit accounts, individual retirement accounts, and brokered deposits. On February 15, 2012, Northfield Bank sold the majority of its portfolio of premium finance loans. In November 2012, the Company acquired Flatbush Federal Bancorp Inc.