---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-25-000317"
form_type: "8-K"
ticker: "NBBK"
cik: "0001979330"
company_name: "NB Bancorp, Inc."
filed_at: "2025-01-22T23:59:59+00:00"
generated_at: "2026-05-27T21:14:38.722917+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# NB Bancorp Q4 net income $15.6M ($0.40), up from $8.4M; announces first share repurchase of up to 5% of shares

## Summary
- Net income of $15.6M ($0.40 diluted EPS) vs $8.4M ($0.21) prior quarter; operating net income $13.3M ($0.34).
- Net interest margin expanded 1bp to 3.52%; loans grew 2.0% to $4.33B; deposits grew 3.3%.
- Tangible book value per share rose to $17.89 from $17.48.
- Board authorized share repurchase of up to 2,135,286 shares (5% of outstanding) - first such program.
- Non-performing loans decreased to $13.9M from $16.0M; net charge-offs fell to $479K from $5.2M.

## SEC filing metadata
- accession: 0001558370-25-000317
- form_type: 8-K
- ticker: NBBK
- cik: 0001979330
- company_name: NB Bancorp, Inc.
- filed_at: 2025-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1979330/000155837025000317/0001558370-25-000317-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1979330/000155837025000317/nbbk-20250122x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-000317
- JSON: https://secwatch.observer/filing/0001558370-25-000317.json
- Plain text: https://secwatch.observer/filing/0001558370-25-000317.txt

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