NB Bancorp Inc

For the period ended Dec 31, 2023. Filed Mar 28, 2024.

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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.

FY2023 · Filed Mar 28, 2024

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	36

ITEM 1B.	UNRESOLVED STAFF COMMENTS	54

ITEM 1C	CYBERSECURITY	54

ITEM 2.	PROPERTIES	57

ITEM 3.	LEGAL PROCEEDINGS	57

ITEM 4.	MINE SAFETY DISCLOSURES	57

	PART II

ITEM 5.	MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES	57

ITEM 6.	[RESERVED]	58

ITEM 7.	MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS	58

ITEM 7A.	QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK	69

ITEM 8.	FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA	71

ITEM 9.	CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE	119

ITEM 9A.	CONTROLS AND PROCEDURES	119

ITEM 9B.	OTHER INFORMATION	120

ITEM 9C	DISCLOSURE REGARDING FOREIGN JURISDICTION THAT PREVENT INSPECTIONS	120

	PART III

ITEM 10.	DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE	120

ITEM 11.	EXECUTIVE COMPENSATION	120

ITEM 12.	SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS	120

ITEM 13.	CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS AND DIRECTOR INDEPENDENCE	120

ITEM 14.	PRINCIPAL ACCOUNTANT FEES AND SERVICES	120

	PART IV

ITEM 15.	EXHIBITS AND FINANCIAL STATEMENT SCHEDULES	120


	SIGNATURES	123

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