Short answer
NB Bancorp, Inc. (NBBK) filed its fiscal 2025 10-K annual report with the SEC on Mar 3, 2026. It reported revenue of $336M (+14.8% year over year) and net income of $50M.
- Top risk flagged: Regulatory risk from compliance with the Bank Secrecy Act and oversight by the Office of the Comptroller of the Currency
FY2025 key financial metrics · XBRL
- Revenue
- $336M
- +14.8% YoY
- Net income
- $50M
- +19.3% YoY
- EPS (diluted)
- $1.34
- +25.2% YoY
- ROE
- 5.9%
- +0.3 pp YoY
- Operating cash flow
- $61M
- +40.8% YoY
Source: XBRL data from the NB Bancorp, Inc. (NBBK) FY2025 10-K on SEC EDGAR. USD.
NB Bancorp, Inc. FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business: Banking and financial services focused on capital management and regulatory compliance
- New emphasis on dividend payments tied to Federal Reserve Board supervisory policies and capital conservation buffer requirements
- Strategic focus on stock repurchase programs, completing buyback of 4,163,808 shares (10% of outstanding stock) by July 15, 2025
- No stock repurchases in Q4 2025, reflecting cautious capital deployment late in the fiscal year
- Equity compensation plans limited to ESOP and 2025 Equity Incentive Plan with no additional unapproved plans
Management Discussion & Analysis
- Acquisition of Provident added $1.40B total assets, $1.18B net loans, $1.14B deposits in Nov 2025
- Issued 5.9M shares and paid $111.8M cash; acquisition transaction valued $226.5M
- Net interest income key driver of results; noninterest income mainly customer fees, swaps, BOLI
- No explicit revenue or profitability YoY figures disclosed in MD&A section provided
Risk Factors
- Regulatory risk from compliance with the Bank Secrecy Act and oversight by the Office of the Comptroller of the Currency
- Macroeconomic risk due to potential credit losses in commercial loan portfolio amid regional economic downturn exposure
- Operational risk from dependence on third-party technology platforms for transaction processing and cyber security
- Competitive risk from regional banks expanding digital offerings, increasing pressure on NB Bancorp’s customer retention
- Financial risk from concentration in commercial real estate loans representing 45% of total loan portfolio
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