NB Bancorp, Inc.

For the period ended Dec 31, 2025. Filed Mar 3, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 3, 2026

NBBK$22.34+1.1%Stored close · as of Nov 9, 2026

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Contents

	PART I

ITEM 1.	BUSINESS	3

ITEM 1A.	RISK FACTORS	42

ITEM 1B.	UNRESOLVED STAFF COMMENTS	66

ITEM 1C	CYBERSECURITY	66

ITEM 2.	PROPERTIES	70

ITEM 3.	LEGAL PROCEEDINGS	70

ITEM 4.	MINE SAFETY DISCLOSURES	70

	PART II

ITEM 5.	MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES	70

ITEM 6.	[RESERVED]	72

ITEM 7.	MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS	72

ITEM 7A.	QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK	93

ITEM 8.	FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA	93

ITEM 9.	CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE	152

ITEM 9A.	CONTROLS AND PROCEDURES	152

ITEM 9B.	OTHER INFORMATION	153

ITEM 9C	DISCLOSURE REGARDING FOREIGN JURISDICTION THAT PREVENT INSPECTIONS	153

	PART III

ITEM 10.	DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE	153

ITEM 11.	EXECUTIVE COMPENSATION	154

ITEM 12.	SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS	154

ITEM 13.	CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS AND DIRECTOR INDEPENDENCE	154

ITEM 14.	PRINCIPAL ACCOUNTANT FEES AND SERVICES	154

	PART IV

ITEM 15.	EXHIBITS AND FINANCIAL STATEMENT SCHEDULES	154


	SIGNATURES	156

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