---
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"
generated_at: "2026-10-15T20:17:14.035342+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-116250
- JSON: https://secwatch.observer/filing/0001104659-26-116250.json
- Plain text: https://secwatch.observer/filing/0001104659-26-116250.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.