Company research
NB Bancorp, Inc.
CIK 1979330Updated Nov 9, 2026
SecurityNBBK · NASDAQ · equity
NBBK price & chart
Loading TradingView…
NASDAQ:NBBK on TradingView ↗About the company
NB Bancorp, Inc. (Nasdaq Capital Market: NBBK) is the registered bank holding company of Needham Bank. Needham Bank is headquartered in Needham, Massachusetts, which is approximately 17 miles southwest of Boston's financial district. Known as the "Builder's Bank," Needham Bank has been helping individuals, businesses and non-profits build for their futures since 1892. Needham Bank offers an array of tech-forward products and services that businesses and consumers use to manage their financial needs. Needham Bank also provides services to companies in the cannabis industry by providing loans and deposits, along with supporting payment platforms in this industry. We have the financial expertise typically found at much larger institutions and the local knowledge and commitment you can only find at a community bank. For more information, please visit https://NeedhamBank.com. Needham Bank is a member of FDIC.
In the news
NB Bancorp, Inc. and Provident Bancorp, Inc. Announce Closing of Merger News provided by Needham Bank Nov 14, 2025, 16:15 ET Share this article Share to X Share this article Share to X NEEDHAM, Mass. and AMESBURY, Mass. , Nov. 14, 2025 /PRNewswire/ -- NB Bancorp, Inc. ("Needham") (NASDAQ: NBBK ), th ↗
Recent filings
Entry into a Material Definitive Agreement · Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement · Regulation FD Disclosure
Items 1.01, 2.03, 7.01, 9.01
10-Q filing
Results of Operations and Financial Condition · Regulation FD Disclosure · Other Events
Items 2.02, 7.01, 8.01, 9.01
10-Q filing
Results of Operations and Financial Condition · Regulation FD Disclosure · Other Events
Items 2.02, 7.01, 8.01, 9.01
Show 5 more recent filings
11-K filing
Other Events
Items 8.01, 9.01
4/A filing
Other Events
Items 8.01
10-Q filing
Financials
FY 2025 · USDSource
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 5,442,390,000Source | 5,002,557,000Source | 7,446,880,000Source | 5,226,554,000Source | 4,805,401,000Source | 7,226,437,000Source | 5,242,157,000Source | 4,650,019,000Source | 7,006,130,000Source | 5,157,737,000Source | 4,533,412,000Source | 3,592,335,000Source |
| Property, Plant and Equipment, NetUSD | 33,842,000Source | 34,802,000Source | 49,298,000Source | 34,289,000Source | 35,290,000Source | 47,335,000Source | 34,069,000Source | 35,106,000Source | 46,209,000Source | 34,654,000Source | 35,531,000Source | 35,344,000Source |
| GoodwillUSD | — | — | 18,512,000Source | — | — | 18,512,000Source | — | — | 18,512,000Source | — | — | — |
| Operating Lease, Right-of-Use AssetUSD | — | — | — | — | — | — | — | — | 19,957,000Source | 12,825,000Source | 10,548,000Source | 10,977,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 4,705,356,000Source | 4,255,108,000Source | 6,604,878,000Source | 4,489,432,000Source | 4,060,939,000Source | 6,383,659,000Source | 4,502,546,000Source | 3,916,181,000Source | 6,147,198,000Source | 4,392,570,000Source | 3,775,453,000Source | 3,248,270,000Source |
| Stockholders’ equity: | ||||||||||||
| Common Stock, Value, IssuedUSD | 398,000Source | 427,000Source | 438,000Source | 407,000Source | 427,000Source | 448,000Source | 406,000Source | 427,000Source | 458,000Source | 427,000Source | 427,000Source | — |
| Additional Paid in CapitalUSD | 342,526,000Source | 417,013,000Source | 415,841,000Source | 358,793,000Source | 416,845,000Source | 432,858,000Source | 376,773,000Source | 416,812,000Source | 458,864,000Source | 417,247,000Source | 417,030,000Source | — |
| Retained Earnings (Accumulated Deficit)USD | 440,281,000Source | 382,560,000Source | 474,970,000Source | 427,707,000Source | 384,327,000Source | 456,978,000Source | 413,128,000Source | 374,874,000Source | 445,200,000Source | 400,473,000Source | 366,173,000Source | 358,466,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -3,122,000Source | -7,144,000Source | -7,962,000Source | -6,142,000Source | -11,135,000Source | -5,633,000Source | -6,465,000Source | -11,685,000Source | -3,136,000Source | -8,167,000Source | -11,897,000Source | -14,401,000Source |
| Stockholders' Equity Attributable to ParentUSD | 737,034,000Source | 747,449,000Source | 842,002,000Source | 737,122,000Source | 744,462,000Source | 842,778,000Source | 739,611,000Source | 733,838,000Source | 858,932,000Source | 765,167,000Source | 757,959,000Source | 344,065,000Source |
| Liabilities and EquityUSD | 5,442,390,000Source | 5,002,557,000Source | 7,446,880,000Source | 5,226,554,000Source | 4,805,401,000Source | 7,226,437,000Source | 5,242,157,000Source | 4,650,019,000Source | 7,006,130,000Source | 5,157,737,000Source | 4,533,412,000Source | 3,592,335,000Source |
| Additional Financial Items | ||||||||||||
| AOCI, Debt Securities, Available-for-sale, Adjustment, after TaxUSD | -3,582,000Source | -6,175,000Source | -4,004,000Source | -5,362,000Source | -10,166,000Source | -3,638,000Source | -5,685,000Source | -10,716,000Source | -2,637,000Source | -7,387,000Source | — | — |
| Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, after TaxUSD | 780,000Source | 969,000Source | 1,462,000Source | 780,000Source | 969,000Source | 1,462,000Source | 780,000Source | 969,000Source | 1,463,000Source | 780,000Source | — | — |
| Preferred Stock, Value, Issued | —Source | —Source | —Source | —Source | —Source | — | —Source | —Source | — | — | — | — |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | — | — | — | — | — | — | 14,984,000Source | 12,655,000Source | 50,302,000Source | 42,149,000Source | 9,825,000Source | 30,065,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Depreciation and amortization | — | — | — | — | — | — | —Source | —Source | —Source | —Source | —Source | —Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | 1,443,000Source | — | 2,910,000Source | — | — | — |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | -12,000Source | -9,000Source | 3,330,000Source | -10,255,000Source | -7,720,000Source | -1,253,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 27,331,000Source | 9,948,000Source | 60,792,000Source | 43,188,000Source | 52,959,000Source | 39,714,000Source |
| Cash flows from investing activities: | ||||||||||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | — | — | — | — | — | — | — | — | 48,120,000Source | — | — | — |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -265,186,000Source | -138,541,000Source | -519,050,000Source | -546,444,000Source | -831,622,000Source | -667,993,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 2,027,000Source | 108,000Source | 3,417,000Source | 1,938,000Source | 2,865,000Source | 8,498,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | 27,763,000Source | 40,696,000Source | 77,125,000Source | — | — | — |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 205,616,000Source | 78,184,000Source | 501,999,000Source | 594,520,000Source | 894,709,000Source | 317,774,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 3,206,000Source | — | 5,575,000Source | — | — | — |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 295,377,000Source | 317,049,000Source | 400,154,000Source | 258,762,000Source | 375,357,000Source | 313,446,000Source | 407,596,000Source | 363,855,000Source | 272,591,000Source | 156,545,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 40,719,000Source | 36,685,000Source | 143,283,000Source | 128,348,000Source | 88,746,000Source | 6,585,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | — | 2,150,000Source | — | 13,092,000Source | 4,791,000Source | 8,561,000Source |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | — | — | 892,000Source | 37,000Source | 892,000Source | 37,000Source | 576,000Source | 149,000Source | 149,000Source | 111,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | 631,000Source | 414,000Source | 962,000Source | 787,000Source | 853,000Source | 1,031,000Source | 3,293,000Source | 2,269,000Source | 1,510,000Source | 1,157,000Source |
| DepreciationUSD | — | — | — | — | — | — | — | — | 3,000,000Source | 2,800,000Source | 2,700,000Source | 2,400,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 1,041,000Source | 4,997,000Source | 2,994,000Source | 4,244,000Source | 6,382,000Source | 947,000Source | 4,677,000Source | 14,934,000Source | 9,657,000Source | 6,700,000Source |
| Gain (Loss) on Sale of DerivativesUSD | — | — | 208,000Source | 375,000Source | 72,000Source | 524,000Source | 201,000Source | 88,000Source | 1,497,000Source | 1,659,000Source | 2,153,000Source | 1,262,000Source |
| Gain (Loss) on Sale of Mortgage LoansUSD | — | — | — | — | — | — | — | 27,000Source | 165,000Source | 293,000Source | 5,000Source | 47,000Source |
| General and Administrative ExpenseUSD | — | — | 1,466,000Source | 115,000Source | 4,171,000Source | 2,100,000Source | 3,535,000Source | 1,380,000Source | 7,327,000Source | 5,221,000Source | 4,848,000Source | 3,683,000Source |
| GoodwillUSD | — | — | — | — | 18,512,000Source | — | 18,512,000Source | — | 18,512,000Source | — | — | — |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | — | 0Source | — | — | — |
| Income Tax Expense (Benefit)USD | — | — | 4,600,000Source | 6,997,000Source | 6,371,000Source | 4,140,000Source | 5,368,000Source | 4,914,000Source | 20,829,000Source | 16,469,000Source | 2,019,000Source | 6,323,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 15,362,000Source | 8,383,000Source | 21,123,000Source | 14,579,000Source | 14,984,000Source | 12,655,000Source | 50,302,000Source | 42,149,000Source | 9,825,000Source | 30,065,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | — | — | — | — | — | — | — | — | 417,457,000Source | — |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 24,512,000Source | 8,583,000Source | 67,475,000Source | 80,120,000Source | 103,585,000Source | 170,595,000Source |
| Provision for Loan, Lease, and Other LossesUSD | — | — | — | — | — | — | 6,328,000Source | 1,158,000Source | 4,653,000Source | 12,123,000Source | 13,885,000Source | 6,700,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | — | — | 1,396,000Source | 2,623,000Source | 3,193,000Source | 3,161,000Source | 6,328,000Source | 1,158,000Source | 4,653,000Source | 12,123,000Source | 13,885,000Source | 6,700,000Source |
| Share-based Payment Arrangement, Expense | — | — | —Source | — | —Source | —Source | —Source | — | — | — | — | — |
| Gain (Loss) on Sales of Loans, Net | — | — | — | — | —Source | —Source | —Source | —Source | — | — | — | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 19,962,000Source | 15,380,000Source | 27,494,000Source | 18,719,000Source | 20,352,000Source | 17,569,000Source | 71,131,000Source | 58,618,000Source | 11,844,000Source | 36,388,000Source |
| Income Tax Expense (Benefit)USD | — | — | 4,600,000Source | 6,997,000Source | 6,371,000Source | 4,140,000Source | 5,368,000Source | 4,914,000Source | 20,829,000Source | 16,469,000Source | 2,019,000Source | 6,323,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 15,362,000Source | 8,383,000Source | 21,123,000Source | 14,579,000Source | 14,984,000Source | 12,655,000Source | 50,302,000Source | 42,149,000Source | 9,825,000Source | 30,065,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 0.43Source | 0.21Source | 0.53Source | 0.39Source | 0.37Source | 0.33Source | 1.34Source | 1.07Source | 0.23Source | — |
| Earnings Per Share, DilutedUSD per share | — | — | 0.43Source | 0.21Source | 0.53Source | 0.39Source | 0.36Source | 0.33Source | 1.34Source | 1.07Source | 0.23Source | — |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 35,372,205Source | 39,289,271Source | 39,693,140Source | 37,191,460Source | 40,969,748Source | 38,755,746Source | 37,409,219Source | 39,389,829Source | 42,018,229Source | — |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 35,579,456Source | 39,289,271Source | 40,000,305Source | 37,550,409Source | 41,421,002Source | 38,755,746Source | 37,626,188Source | 39,389,829Source | 42,018,229Source | — |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | — | — | 892,000Source | 37,000Source | 892,000Source | 37,000Source | 576,000Source | 149,000Source | 149,000Source | 111,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | 631,000Source | 414,000Source | 962,000Source | 787,000Source | 853,000Source | 1,031,000Source | 3,293,000Source | 2,269,000Source | 1,510,000Source | 1,157,000Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 17,499,000Source | 26,724,000Source | 9,739,000Source | 7,576,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 1,041,000Source | 4,997,000Source | 2,994,000Source | 4,244,000Source | 6,382,000Source | 947,000Source | 4,677,000Source | 14,934,000Source | 9,657,000Source | 6,700,000Source |
| General and Administrative ExpenseUSD | — | — | 1,466,000Source | 115,000Source | 4,171,000Source | 2,100,000Source | 3,535,000Source | 1,380,000Source | 7,327,000Source | 5,221,000Source | 4,848,000Source | 3,683,000Source |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | — | 0Source | — | — | — |
| Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | 90,444,000Source | 15,548,000Source |
| Interest Expense, DebtUSD | — | — | — | — | — | — | — | — | 5,400,000Source | 4,400,000Source | 14,100,000Source | 2,900,000Source |
| InterestExpenseOperatingUSD | — | — | 33,513,000Source | 34,679,000Source | 42,647,000Source | 32,841,000Source | 40,818,000Source | 33,325,000Source | 138,290,000Source | 131,318,000Source | — | — |
| Interest Income, Debt Securities, OperatingUSD | — | — | 2,253,000Source | 1,768,000Source | 2,758,000Source | 2,307,000Source | 2,708,000Source | 2,290,000Source | 9,508,000Source | 6,853,000Source | 4,773,000Source | 4,954,000Source |
| Interest Income (Expense), NetUSD | — | — | 48,175,000Source | 41,324,000Source | 69,145,000Source | 47,007,000Source | 64,868,000Source | 43,526,000Source | 197,458,000Source | 161,198,000Source | 130,057,000Source | 104,964,000Source |
| Labor and Related ExpenseUSD | — | — | 18,641,000Source | 17,202,000Source | 25,549,000Source | 18,567,000Source | 25,468,000Source | 19,149,000Source | 77,492,000Source | 67,257,000Source | 68,344,000Source | 47,466,000Source |
| Marketing and Advertising ExpenseUSD | — | — | 949,000Source | 842,000Source | 1,530,000Source | 954,000Source | 1,033,000Source | 846,000Source | 3,837,000Source | 3,459,000Source | — | — |
Filing attachments
nbbk-ex4d1.htm · 8-K · 2026-11-06
Final Form Exhibit 4.1 NB BANCORP, INC. As Issuer, and UMB BANK, N.A. As Trustee, Paying Agent and Registrar INDENTURE Dated as of November 6, 2026 7.50% Fixed-to-Floating Rate Subordinated Notes due 2036 Final Form TABLE OF CONTENTS Article I. DEFINITIONS AND INCORPORATION BY REFERENCE 6 Section 1.01 Definitions. 6 Section 1.02 Compliance Certificates and Opinions. 17 Section 1.03 Form of Documents Delivered to Trustee. 17 Section 1.04 Acts of Holders. 18 Secti…
Read attachment ↗nbbk-ex4d2.htm · 8-K · 2026-11-06
Final Form Exhibit 4.2 EXHIBIT A-l FORM OF DEFINITIVE SUBORDINATED NOTE NB BANCORP, INC. 7.50% FIXED-TO-FLOATING RATE Subordinated Note due 2036 THE SECURITIES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), OR THE SECURITIES LAWS OF ANY STATE AND MAY NOT BE TRANSFERRED, SOLD OR OTHERWISE DISPOSED OF EXCEPT (A) PURSUANT TO, AND IN ACCORDANCE WITH, A REGISTRATION STATEMENT THAT IS EFFECTIVE UNDER THE SECURITIES ACT…
Read attachment ↗nbbk-ex99d1.htm · 8-K · 2026-11-06
Exhibit 99.1 FOR IMMEDIATE RELEASE NB Bancorp, Inc. Completes Private Placement of $100 Million of 7.50% Fixed-to-Floating Rate Subordinated Notes NEEDHAM, Mass., Nov. 6, 2026 /PRNewswire/ - NB Bancorp, Inc. (the “Company”), a bank holding company that conducts its banking operations through its wholly-owned subsidiary, Needham Bank (the “Bank”), today completed its offering of $100 million in aggregate principal amount of 7.50% Fixed-to-Floating Rate Subordinated Notes due 2036 (the “Notes”)…
Read attachment ↗nbbk-ex99d2.htm · 8-K · 2026-11-06
Exhibit 99.2 | 1 Fall 2026 | CONFIDENTIAL Subordinated Notes Offering | 2 Disclaimer Forward Looking Statements Statements in this presentation that are not historical facts are forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. We may also ma…
Read attachment ↗nbbk-ex99d1.htm · 8-K · 2026-10-15
Exhibit 99.1 NB Bancorp, Inc. Reports Third Quarter 2026 Financial Results, Declares Quarterly Cash Dividend Investor Contact JP Lapointe, SEVP, CFO IR@NeedhamBank.com 781-474-5408 Needham, MA, October 15, 2026 - NB Bancorp, Inc. (the “Company”) (Nasdaq Capital Market: NBBK), the holding company of Needham Bank (the “Bank”), today announced its third quarter 2026 financial results. SELECTED FINANCIAL HIGHLIGHTS FOR THE THIRD QUARTER OF 2026 Net income for the third quarter of 2026 amou…
Read attachment ↗nbbk-ex99d2.htm · 8-K · 2026-10-15
Exhibit 99.2 1 Q3 2026 Investor Presentation ──────────────────── 2 Forward Looking Statements Statements in this press release that are not historical facts are forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. We may also make forward-look…
Read attachment ↗