{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-013971","form_type":"8-K","ticker":"NBBK","cik":"0001979330","company_name":"NB Bancorp, Inc.","filed_at":"2024-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.514591+00:00","generated_at":"2026-05-30T08:36:53.099494+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"NB Bancorp Q3 net income $8.4M ($0.21/sh), down from $9.5M prior quarter; operating EPS $0.33","bullets":["Net income $8.4M ($0.21 diluted) vs $9.5M ($0.24) prior quarter; operating net income $13.1M ($0.33) excluding $4.8M one-time charges.","Gross loans rose $151.8M (3.7%) to $4.25B; net interest margin expanded 5bps to 3.51%.","Sold $1.9M loss on AFS securities (0.97% yield) reinvested at 4.27%; surrendered $46.7M BOLI (3.08%) for $50M new BOLI at 4.81%.","Net charge-offs $5.2M (0.50% annualized) vs $0.9M prior; $4.0M charge-off on office participation loan; NPLs down to $16.0M from $20.7M.","Deposits grew $124.9M (3.2%) to $4.04B; brokered deposits up 10%; core deposits up 2.6%."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-013971","json":"https://secwatch.observer/filing/0001558370-24-013971.json","markdown":"https://secwatch.observer/filing/0001558370-24-013971.md","text":"https://secwatch.observer/filing/0001558370-24-013971.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1979330/000155837024013971/0001558370-24-013971-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1979330/000155837024013971/nbbk-20241030x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T08:36:53.099494+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"}