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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 from $14.6 million ($0.39 per share) in Q2 2025; operating net income excluding one-time charges was $16.0 million ($0.45 per share), up from $15.0 million ($0.40 per share) in Q2.
Record earnings achieved as growth strategy execution continued, with significant increases in both loans and deposits.
Pending acquisition of Provident Bancorp, Inc. 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
Net interest income rose to $48.2 million, up 2.5% from Q2 2025; net interest margin declined by 4 bps to 3.78%.
Gross loans increased by $175.0 million (3.9%) to $4.72 billion; total deposits rose by $297.6 million (7.0%) to $4.57 billion.
Book value per share increased to $18.51; tangible book value per share to $18.48.
Total assets reached $5.44 billion, up 4.1% from Q2 2025.
Provision for credit losses decreased 55.8% to $1.4 million; allowance for credit losses at 0.91% of total loans.
Noninterest income fell 15.0% to $3.6 million; noninterest expense increased 3.6% to $30.4 million.
Outlook and guidance
Anticipates closing and integration of Provident acquisition in Q4 2025, with expected growth opportunities and market share expansion.
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?
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Next NB Bancorp earnings date
Q4 202523 Jan, 2026
Next NB Bancorp earnings date
Q4 202523 Jan, 2026
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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.
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