secwatch.observer — SEC 8-K summary
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Issuer:     NB Bancorp, Inc. (NBBK)
CIK:        0001979330
Form:       8-K
Filed at:   2026-10-15T20:15:46+00:00
Accession:  0001104659-26-116250
Event type: earnings
Sentiment:  positive
Materiality: 0.55
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1979330/000110465926116250/0001104659-26-116250-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1979330/000110465926116250/nbbk-20261015x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-116250

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