{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-116250","form_type":"8-K","ticker":"NBBK","cik":"0001979330","company_name":"NB Bancorp, Inc.","filed_at":"2026-10-15T20:15:46+00:00","discovered_at":"2026-10-15T20:17:00.125720+00:00","generated_at":"2026-10-15T20:17:14.035342+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"NB Bancorp Q3 net income $23.1M ($0.58/sh); declares $0.07 quarterly dividend","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-116250","json":"https://secwatch.observer/filing/0001104659-26-116250.json","markdown":"https://secwatch.observer/filing/0001104659-26-116250.md","text":"https://secwatch.observer/filing/0001104659-26-116250.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1979330/000110465926116250/0001104659-26-116250-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1979330/000110465926116250/nbbk-20261015x8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-15T20:17:14.035342+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}