NB Bancorp, Inc.

For the period ended Sep 30, 2026. Filed Nov 4, 2026.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2026 · Filed Nov 4, 2026

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

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Contents

Index

		Page
Part I. Financial Information

Item 1.	Financial Statements

	Consolidated Balance Sheets as of September 30, 2026 (unaudited) and December 31, 2025	1

	Consolidated Statements of Income for the Three and Nine Months Ended September 30, 2026 and 2025 (unaudited)	2

	Consolidated Statements of Comprehensive Income for the Three and Nine Months Ended September 30, 2026 and 2025 (unaudited)	3

	Consolidated Statements of Changes in Shareholders’ Equity for the Three and Nine Months Ended September 30, 2026 and 2025 (unaudited)	4

	Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2026 and 2025 (unaudited)	5

	Notes to Consolidated Financial Statements (unaudited)	7

Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	38

Item 3.	Quantitative and Qualitative Disclosures about Market Risk	55

Item 4.	Controls and Procedures	55

Part II. Other Information

Item 1.	Legal Proceedings	55

Item 1A.	Risk Factors	55

Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	55

Item 3.	Defaults upon Senior Securities	55

Item 4.	Mine Safety Disclosures	55

Item 5.	Other Information	55

Item 6.	Exhibits	56

	Signature Page	57


Part I. – Financial Information

Item 1. Financial Statements

NB Bancorp, Inc.
Consolidated Balance Sheets
September 30, 2026 (Unaudited) and December 31, 2025
(in thousands except share and per share data)

· · September 30, 2026 · · December 31, 2025
Assets
Cash and due from banks	$238,502	$325,969
Federal funds sold	27,555	81,885
Total cash and cash equivalents	266,057	407,854

Available-for-sale securities, at fair value	279,518	268,959

Loans held for sale, at fair value	55,906	66,447

Loans receivable, net of deferred fees	6,765,853	5,986,140
Allowance for credit losses	(78,305)	(87,411)
Net loans	6,687,548	5,898,729

Accrued interest receivable	29,971	25,390
Banking premises and equipment, net	51,107	46,209
Non-public investments	49,161	33,740
Bank-owned life insurance ("BOLI")	98,178	104,335
Prepaid expenses and other assets	71,048	68,079
Goodwill	16,520	18,512
Core deposit intangible, net	16,628	19,303
Deferred income tax asset, net	62,354	48,831
Total assets	$7,683,996	$7,006,388

Liabilities and shareholders' equity
Deposits
Core deposits	$5,828,759	$5,318,111
Brokered deposits	692,637	535,681
Total deposits	6,521,396	5,853,792
Mortgagors' escrow accounts	4,919	5,193
Federal Home Loan Bank ("FHLB") borrowings	150,322	196,235
Accrued expenses and other liabilities	127,414	70,716
Accrued retirement liabilities	22,542	21,520
Total liabilities	6,826,593	6,147,456

Shareholders' equity:
Preferred stock, $0.01 par value, 5,000,000 shares authorized; no shares issued and outstanding	—	—
Common stock, $0.01 par value, 120,000,000 shares authorized; 43,818,490 and 45,770,128
shares issued and outstanding at September 30, 2026 and December 31, 2025, respectively	438	458
Additional paid-in capital	417,943	458,864
Unallocated common shares held by the Employee Stock Ownership Plan ("ESOP")	(40,690)	(42,454)
Retained earnings	495,082	445,200
Accumulated other comprehensive loss	(15,370)	(3,136)
Total shareholders' equity	857,403	858,932
Total liabilities and shareholders' equity	$7,683,996	$7,006,388

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