NB Bancorp Q1 net income $12.7M ($0.33 EPS) vs $15.6M prior; operating EPS $0.35

NB Bancorp, Inc.

2025-Q1 EPS reported $0.33

Operating net income $13.7M ($0.35 diluted) vs $13.3M ($0.34) prior quarter; GAAP includes $884K pension liquidation charge.
Net interest margin expanded 9 bps to 3.61%; total deposits grew $149M (3.6%) and net loans grew $131.8M (3.1%).
Repurchased 2,135,286 shares (5% of outstanding) at weighted avg cost of $19.06; tangible book value per share rose $0.31 to $18.20.
Non-performing loans fell $2.5M to $11.4M; ACL was 0.86% of gross loans; net charge-offs $1.4M (0.12% annualized).
Commercial real estate loans rose 1.2%; cannabis CRE portfolio decreased $3.4M, all pass-rated and current.

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