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NB Bancorp, Inc. is asking stockholders to elect five directors and ratify its independent auditor at the April 29, 2026 annual meeting. Stockholders of record on March 6, 2026 can vote, with 45,165,174 common shares outstanding, each entitled to one vote subject to a 10% ownership voting cap.
Since its IPO two years ago, the company raised over $400 million and expanded its balance sheet by $2.5 billion, including the 2025 acquisition of Provident Bancorp, Inc. Total assets reached $7.00 billion as of December 31, 2025, with core deposits up 37.5% and strong organic loan and deposit growth alongside the acquired balances.
For 2025, operating net income was $66.7 million versus $45.5 million in 2024, and GAAP net income was $51.1 million versus $42.1 million. Net interest income rose to $197.9 million, helped by net interest margin expansion from 3.48% to 3.79%. Noninterest income increased to $16.4 million, while noninterest expense rose to $137.8 million, including merger-related costs.
The board highlights a largely independent director group, a lead independent director structure, and committees overseeing audit, enterprise risk, compensation and governance. Executive pay is positioned as performance-based, with 2025 restricted stock awards under the shareholder-approved 2025 Equity Incentive Plan and bonus metrics tied to financial and strategic results.
NB Bancorp, Inc. President, CEO and Chairman Joseph P. Campanelli reported open-market share purchases. On March 6, 2026, he bought 5,000 shares of common stock in total, including 2,000 shares through an IRA at $20.78 per share and 3,000 shares as trustee for a trust at $20.77 per share.
Following these transactions, the IRA held 47,000 shares and the trust held 3,000 shares. Separate holding entries show 394,161 shares held directly, 49,597 shares indirectly through a 401(k), and 3,677 shares indirectly through an ESOP as of that date. Footnotes state the direct holdings include restricted stock vesting 20% per year starting April 24, 2026 and 33 1/3% per year starting February 25, 2027.
NB Bancorp, Inc.’s President & CEO and Chairman Joseph P. Campanelli reported an open-market purchase of 2,500 shares of common stock at $20.16 per share. This buy on March 19, 2026 brought his direct holdings to 396,661 shares.
He also reports indirect ownership of common stock, including 47,000 shares held by an IRA, 49,597 shares held by a 401(k), 3,677 shares held by an ESOP, and 3,000 shares held as trustee for a trust. The filing notes that his reported holdings include restricted stock scheduled to vest in tranches beginning on April 24, 2026 and February 25, 2027.
NB Bancorp, Inc. President, CEO and Chairman Joseph P. Campanelli reported indirect open‑market purchases of a total of 5,000 shares of common stock on March 6, 2026. An IRA associated with him bought 2,000 shares at $20.78 per share, and a trust for which he serves as trustee bought 3,000 shares at $20.77 per share.
Following these trades, the IRA held 47,000 shares and the trust held 3,000 shares. Separate reported holdings show additional direct and indirect common stock positions, including restricted stock that vests 20% per year starting April 24, 2026 and 33 1/3% per year starting February 25, 2027.
NB Bancorp, Inc. Senior Executive Vice President and CFO Jean-Pierre Lapointe reported an open-market purchase of 1,000 shares of common stock at $20.42 per share. Following this transaction, he directly owns 110,331 shares, and also has indirect holdings through a 401(k) plan and an ESOP. Footnotes note that part of his holdings are restricted stock that vest over several years.
NB Bancorp’s annual report highlights rapid balance sheet growth driven by a major acquisition and continued commercial expansion. In November 2025 the company acquired Provident Bancorp and BankProv for $111.8 million in cash plus 5,943,682 shares valued at $114.7 million, adding about $1.40 billion of assets, $1.18 billion of loans and $1.14 billion of deposits and recording $18.5 million of goodwill.
Total loans reached $5.99 billion, with 40.7% in commercial real estate and multifamily, 22.2% in residential, 16.8% in commercial and industrial, 12.2% in construction and land development, and 4.7% in mortgage warehouse loans. The bank operates a broad New England footprint, including new northern Massachusetts and southern New Hampshire branches, and focuses on structured finance, cannabis-related and solar lending, and warehouse lines to non‑bank mortgage originators.
Credit risk metrics show higher concentrations and rising problem loans. Commercial real estate, as defined by regulatory guidance, equaled 314.1% of consolidated risk‑based capital, and construction, land development and other land loans were 91.6% of capital. Non‑accrual loans increased to $43.4 million, or 0.72% of total loans. The allowance for credit losses grew to $87.4 million, or 1.46% of loans, reflecting portfolio growth, CRE concentration and a more conservative credit outlook.
CAMPANELLI JOSEPH P reported acquisition or exercise transactions in this Form 4 filing.
NB Bancorp, Inc. President and CEO Joseph P. Campanelli received a grant of 63,015 shares of common stock as a restricted stock award on February 25, 2026 at a stated price of $0.0000 per share. These restricted shares vest at a rate of 33 1/3% per year starting on February 25, 2027.
After this grant, his directly held common stock totals 394,161 shares. He also has indirect ownership through retirement and employee plans, including 45,000 shares held by an IRA, 49,597 shares held by a 401(k), and 3,677 shares held by an ESOP. Some of the reported totals include earlier restricted stock that vests 20% per year beginning April 24, 2026.
White James J. reported acquisition or exercise transactions in this Form 4 filing.
NB Bancorp EVP James J. White received a grant of 6,874 shares of common stock on February 25, 2026 at no purchase price. These restricted shares vest in three equal annual installments starting February 25, 2027. After the grant, he directly owns 16,874 shares, along with additional indirect holdings through an IRA, 401(k), and ESOP accounts.
EVANGELISTA PAUL A reported acquisition or exercise transactions in this Form 4 filing.
NB Bancorp, Inc. executive Paul A. Evangelista, EVP and Director of the Special Banking Center, received a grant of 6,874 shares of restricted common stock on February 25, 2026 at a stated price of $0.00 per share. After this award, his direct common stock holdings total 33,440 shares.
The restricted shares vest in equal installments of 33 1/3% per year, beginning on February 25, 2027. The filing also shows indirect holdings of 14,743 shares through a 401(k) plan and 3,588 shares through an ESOP as of the same date, with a footnote indicating these reflect transactions not required to be reported under Section 16.