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AI brief of an SEC Form 8-K · NB Bancorp, Inc. (NBBK)

NB Bancorp Q3 net income rises to $23.1 million, or $0.58 per diluted share

Positive Impact 3 of 5 earnings Written later

NB Bancorp, Inc., the holding company for Needham Bank, reported third quarter 2026 net income of $23.1 million, or $0.58 per diluted share, up from $21.1 million, or $0.53 per diluted share, in the prior quarter. Operating net income, a non-GAAP measure, was $23.8 million, or $0.60 per diluted share, while net charge-offs rose to 0.31% of average loans from 0.07%, mainly due to a $4.0 million charge-off. The Board also declared a $0.07 per share dividend.

Key points

  • Net income $23.1 million, or $0.58 per diluted share, versus $21.1 million, or $0.53, in the prior quarter
  • Net interest margin declined to 3.97% from 4.00%; total loans rose 5.3% in the quarter to $6.77 billion
  • Net charge-offs were $5.2 million, or 0.31% of average loans, including a $4.0 million charge-off on a previously reserved loan
  • Dividend of $0.07 per share is payable November 12, 2026, to shareholders of record as of October 29, 2026

The filing

CompanyNB Bancorp, Inc. (NBBK)
Form8-K, current report
Filed with the SECOct 15, 2026, 4:15 PM ET
Accession number0001104659-26-116250

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure8.01 Other Events

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 11:46 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 15, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.