Welcome to our dedicated page for NB Bancorp SEC filings (Ticker: NBBK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
NB Bancorp, Inc. (NBBK) SEC Filings Overview
This page provides access to NB Bancorp, Inc.’s SEC filings, which document the regulatory and financial reporting of the bank holding company for Needham Bank. As an emerging growth company with common stock listed on The Nasdaq Stock Market under the symbol NBBK, NB Bancorp files Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K, among other documents.
Through these filings, investors can review information on NB Bancorp’s loan and deposit composition, net interest income and margin, noninterest income and expenses, provision for credit losses, asset quality metrics and capital management activities. Earnings-related Form 8-K filings, for example, describe quarterly financial results, including changes in commercial real estate, multi-family, construction and land development, commercial and industrial and consumer loan portfolios, as well as updates on the allowance for credit losses, non-performing loans and net charge-offs or recoveries.
NB Bancorp also uses Form 8-K to report material events such as the adoption of share repurchase plans, the declaration of dividends and significant corporate transactions. A series of 8-K and 8-K/A filings in 2025 detail the Agreement and Plan of Merger with Provident Bancorp, Inc. and BankProv, the mailing of stock and cash election materials, the receipt of all regulatory approvals, the final proration of merger consideration and the completion of the merger transaction on November 15, 2025. These filings explain the merger structure, consideration terms, allocation and proration procedures and the treatment of Provident equity awards.
On this page, users can track such filings as they are made available through EDGAR, and AI-powered tools can help summarize lengthy documents, highlight key terms and clarify complex sections. This includes identifying major items in Form 10-K and 10-Q reports, outlining the main provisions of merger-related 8-K filings and pointing to disclosures on topics such as dividend declarations, share repurchase plans and changes in the company’s governance or board composition.
NB Bancorp, Inc. (Needham) filed an 8-K noting a joint press release with Provident Bancorp about Needham’s proposed acquisition of Provident, originally announced on June 5, 2025. The press release is furnished as Exhibit 99.1.
The filing includes a forward‑looking statements caution highlighting risks that could affect completion and outcomes, including changes in economic conditions, interest rate movements, regulatory actions, and competitive dynamics. It also lists transaction‑specific risks such as failure to satisfy closing conditions, potential termination rights, integration challenges, and potential dilution from issuing additional shares in connection with the transaction.
NB Bancorp, Inc. (NBBK) filed an 8-K disclosing procedural details about an upcoming shareholder election tied to a material event. The filing states an Election Deadline will occur on
Christopher R. Lynch, a director of NB Bancorp, Inc. (NBBK), reported an insider transaction dated 09/16/2025. The filing shows a sale of 600 shares of common stock for $0 (reported price $0), leaving Mr. Lynch with 92,562 shares held directly and an additional 60,000 shares held indirectly through an IRA. The filing notes 60,000 IRA holdings and that included restricted shares vest at 20% per year beginning April 24, 2026. The Form 4 was signed under power of attorney on 09/18/2025.
Kenneth C. Montgomery, a director of NB Bancorp, Inc. (NBBK), purchased 5,000 shares of the company's common stock on 09/12/2025 at a reported price of $18.44 per share, increasing his total beneficial ownership to 80,337 shares. The reported total includes restricted stock that vests at a rate of 20% per year beginning on April 24, 2026, indicating portions of the holdings are subject to future vesting rather than immediate sale.
The Form 4 reports a direct acquisition and shows no derivative transactions or dispositions. The filing was submitted under power of attorney on behalf of the reporting person.
Christopher R. Lynch, a director of NB Bancorp, Inc. (NBBK), reported a non-cash disposition on 09/09/2025. The filing shows 600 shares of Common Stock were disposed of under transaction code G (a gift) at a reported price of $0. After the reported transaction, Mr. Lynch directly beneficially owns 93,762 shares and indirectly owns 60,000 shares through an IRA.
The form notes restricted stock holdings that begin vesting at 20% per year starting April 24, 2026. The Form 4 was signed by a power of attorney on behalf of the reporting person on 09/11/2025.
Darcey William, a director of NB Bancorp, Inc. (NBBK), reported purchases of company common stock executed on 08/11/2025. The filing shows a purchase of 4,861 shares at $17.30 and a separate purchase of 139 shares at $17.29. The report lists beneficial ownership following those transactions as 80,237 and 75,376 shares respectively, reported as direct holdings, and also discloses 80,000 shares held indirectly through an IRA. The filing includes a footnote that restricted shares vest at 20% per year beginning April 24, 2026.
NB Bancorp (NBBK) delivered robust Q2-25 results. Net interest income rose 21% YoY to $47.0 m as loan yields outpaced a modest 1% rise in funding costs. Provision expense fell 14%, supporting a 25% jump in net interest income after provisions to $43.8 m. Non-interest income climbed 40% to $4.2 m, partially offset by an 12% rise in operating expenses. Pretax income advanced 58% to $18.7 m and net income surged 54% to $14.6 m; diluted EPS increased to $0.39 from $0.24. For the first six months, earnings are up 50% to $27.2 m (EPS $0.72).
The balance sheet expanded modestly: assets +1% since YE-24 to $5.23 bn, with net loans up 5% to $4.50 bn. Core deposits grew 4% while higher-cost brokered deposits fell 18%, improving funding mix. The allowance for credit losses increased to 0.94% of loans (up 6 bp). Liquidity remains ample with $258.7 m in cash equivalents, although cash declined $105 m due to loan growth and share repurchases.
Shareholder returns were active: 3.2 m shares repurchased YTD, cutting outstanding shares 5% and equity 4% to $737 m. Tangible book value fell roughly 4% but equity still represents 14.1% of assets. Strategic catalyst: a $211.8 m all-stock acquisition of Provident Bancorp (BankProv) announced 5 Jun 2025, expected to close in Q4-25 subject to approvals. Management continues to qualify as an Emerging Growth Company and has adopted CECL.