NB Bancorp Q2 net income $21.1M ($0.53 EPS), up 41% QoQ; NIM expands to 4.00%

NB Bancorp, Inc.

Net income $21.1M ($0.53 diluted EPS) vs $15.0M ($0.36) prior quarter; operating net income $21.9M ($0.55).
Net interest margin expanded 7 bps to 4.00%; loans grew 3.4% to $6.42B, deposits up 3.7% to $6.32B.
Credit quality improved: net charge-offs annualized 0.07% (from 0.91%), NPLs fell to 0.43% from 0.73%.
Board declared $0.07/share dividend, payable Aug 19 to holders of record Aug 5.
Repurchased 918,727 shares at $20.13/share; tangible book value per share $18.51.

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