)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
NB Bancorp (NBBK) investor relations material
NB Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Net income for Q3 2025 was $15.4 million ($0.43 per diluted share), up 83.3% year-over-year and from $14.6 million ($0.39 per share) in Q2 2025; nine-month net income was $42.6 million, up 60.5% year-over-year.
Operating net income (non-GAAP) for Q3 2025 was $16.0 million ($0.45 per share), up 22.0% year-over-year and from $15.0 million ($0.40 per share) in Q2.
Growth driven by higher net interest income, increased noninterest income, and lower provision for credit losses.
Pending acquisition of Provident Bancorp, Inc. and BankProv expected to close in Q4 2025, with all regulatory approvals received.
Quarterly cash dividend of $0.07 per share declared, payable November 19, 2025.
Financial highlights
Total assets increased 5.5% year-over-year to $5.44 billion as of September 30, 2025, up 4.1% from Q2 2025.
Net loans grew 8.8% year-over-year to $4.67 billion; gross loans increased by $175.0 million (3.9%) to $4.72 billion from Q2; deposits rose 9.3% year-over-year to $4.57 billion, up $297.6 million (7.0%) from Q2.
Net interest income for Q3 2025 was $48.2 million, up 16.6% year-over-year and 2.5% from Q2; nine-month net interest income was $138.7 million, up 16.9%.
Noninterest income for Q3 2025 was $3.6 million, up 180.7% year-over-year but down 15.0% from Q2; noninterest expense for Q3 was $30.4 million, up 23.5% year-over-year and 3.6% from Q2.
Provision for credit losses for Q3 2025 was $1.4 million, down 46.8% year-over-year and 55.8% from Q2; allowance for credit losses at 0.91% of total loans.
Outlook and guidance
Management expects to close and integrate the Provident Bancorp, Inc. and BankProv acquisition in Q4 2025, with anticipated growth opportunities and market share expansion.
Sufficient liquidity and capital to meet current and future obligations; well-capitalized status maintained.
No material changes in risk factors or critical accounting policies from prior disclosures.
Focus remains on customer service, new product features, and enhancing shareholder value.
What drove NIM decline despite lower deposit cost?
Rationale for significant brokered deposit growth?
Impact of construction loan shifts on ACL?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next NB Bancorp earnings date
Q4 202522 Jan, 2026
Next NB Bancorp earnings date
Q4 202522 Jan, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
NB Bancorp, Inc. operates as the holding company for Needham Bank, a state-chartered bank. The bank offers a range of financial products and services primarily within the Greater Boston metropolitan area and surrounding regions, including parts of Massachusetts, Connecticut, New Hampshire, and Rhode Island. Its services include various deposit accounts, such as savings, money market, checking, and certificates of deposit, as well as lending services that cover commercial real estate, residential mortgages, construction loans, and consumer loans. NB Bancorp also invests in securities, including U.S. Treasury and government-sponsored mortgage-backed securities. The company is headquartered in Needham, Massachusetts, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage