{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-002044","form_type":"8-K","ticker":"NBBK","cik":"0001979330","company_name":"NB Bancorp, Inc.","filed_at":"2024-02-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.407997+00:00","generated_at":"2026-06-05T07:29:44.382616+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"NB Bancorp FY23 adj. net income $34.3M (up 14%); GAAP net income $9.8M on $19.1M foundation contribution","bullets":["Net income $9.8M vs $30.1M prior year; excluding one-time conversion/IPO costs, adj. net income $34.3M.","Total assets $4.53B (+26.2% YoY); net loans $3.86B (+29.0%) driven by CRE, C&I, and residential growth.","Net interest income $130.1M (+23.9% YoY); net interest margin 3.41%, down 8 bps on higher funding costs.","Book value per share $17.75; tangible book value $17.72; shareholders' equity $758.0M (+120.3% from IPO).","Allowance for credit losses 0.83% of loans; non-performing loans $10.8M, down from $12.9M at year-end 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-002044","json":"https://secwatch.observer/filing/0001558370-24-002044.json","markdown":"https://secwatch.observer/filing/0001558370-24-002044.md","text":"https://secwatch.observer/filing/0001558370-24-002044.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1979330/000155837024002044/0001558370-24-002044-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1979330/000155837024002044/nbbk-20240228x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-05T07:29:44.382616+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":[{"claim_id":"32856d2dc2d969d1be35b368d191df3fc4498def","claim":"NB Bancorp, Inc. reported the year ended December 31, 2023 results: net income $9.8 million.","evidence_excerpt":"net income of $9.8 million for the year ended December 31, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1979330/000155837024002044/0001558370-24-002044-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2023"},{"label":"Net income","value":"$9.8 million"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}