{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-005147","form_type":"8-K","ticker":"NBBK","cik":"0001979330","company_name":"NB Bancorp, Inc.","filed_at":"2025-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.614473+00:00","generated_at":"2026-05-23T09:38:45.237114+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"NB Bancorp Q1 net income $12.7M ($0.33 EPS) vs $15.6M prior; operating EPS $0.35","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-005147","json":"https://secwatch.observer/filing/0001558370-25-005147.json","markdown":"https://secwatch.observer/filing/0001558370-25-005147.md","text":"https://secwatch.observer/filing/0001558370-25-005147.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1979330/000155837025005147/0001558370-25-005147-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1979330/000155837025005147/nbbk-20250422x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T09:38:45.237114+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"}