NB Bancorp Q3 net income $23.1M ($0.58/sh); declares $0.07 quarterly dividend

NB Bancorp, Inc.

Q3 2026 net income $23.1M, or $0.58 per diluted share, vs $21.1M/$0.53 in Q2; operating net income $23.8M ($0.60/sh), up 8.9%.
Net interest margin fell 3bps to 3.97% from 4.00%; NIM excluding purchase accounting adjustments slipped 6bps to 3.81%.
Gross loans rose 5.3% to $6.77B and deposits 3.2% to $6.52B; total assets $7.68B (+3.2%). Efficiency ratio 60.5% vs 58.9%.
Net charge-offs 0.31% of average loans vs 0.07%, driven by a $4.0M BankProv PCD C&I charge-off; NPLs up 30.4% to $36.1M (0.53% of loans).
Board declared $0.07/share dividend payable Nov 12, 2026 to holders of record Oct 29, 2026; book value $19.57, tangible book value $18.91.

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