NB Bancorp Inc

For the period ended Dec 31, 2024. Filed Mar 7, 2025.

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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.

FY2024 · Filed Mar 7, 2025

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	38

ITEM 1B.	UNRESOLVED STAFF COMMENTS	57

ITEM 1C	CYBERSECURITY	57

ITEM 2.	PROPERTIES	60

ITEM 3.	LEGAL PROCEEDINGS	60

ITEM 4.	MINE SAFETY DISCLOSURES	60

	PART II

ITEM 5.	MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES	60

ITEM 6.	[RESERVED]	61

ITEM 7.	MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS	61

ITEM 7A.	QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK	81

ITEM 8.	FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA	81

ITEM 9.	CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE	134

ITEM 9A.	CONTROLS AND PROCEDURES	134

ITEM 9B.	OTHER INFORMATION	135

ITEM 9C	DISCLOSURE REGARDING FOREIGN JURISDICTION THAT PREVENT INSPECTIONS	135

	PART III

ITEM 10.	DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE	135

ITEM 11.	EXECUTIVE COMPENSATION	135

ITEM 12.	SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS	135

ITEM 13.	CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS AND DIRECTOR INDEPENDENCE	135

ITEM 14.	PRINCIPAL ACCOUNTANT FEES AND SERVICES	135

	PART IV

ITEM 15.	EXHIBITS AND FINANCIAL STATEMENT SCHEDULES	136


	SIGNATURES	138

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