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NB Bancorp
NB Bancorp (NBBK) investor relations material
NB Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Net income for Q4 2025 was $7.7 million ($0.19 per diluted share), down from $15.4 million ($0.43 per share) in the prior quarter, mainly due to $15.7 million in merger and acquisition costs and a $2.1 million BOLI surrender tax and penalty.
Operating net income, excluding one-time charges, was $21.2 million ($0.51 per diluted share), up from $16.0 million ($0.45 per share) in the prior quarter.
Completed the acquisition of Provident Bancorp, Inc. and BankProv, adding $1.42 billion in assets, $1.23 billion in loans, and $1.13 billion in deposits.
Announced a share repurchase program for up to 2,288,509 shares (5% of outstanding shares) and declared a $0.07 per share quarterly dividend.
Financial highlights
Net interest income rose 22% quarter-over-quarter to $58.8 million; net interest margin expanded 14 bps to 3.92%.
Gross loans increased 26.9% to $5.99 billion; total deposits rose 28.2% to $5.85 billion.
Book value per share was $18.77; tangible book value per share was $17.98.
Noninterest income increased 19.6% to $4.4 million, driven by higher swap contract income and customer service fees.
Noninterest expense rose 61.8% to $49.3 million, mainly due to merger costs.
Operating return on average assets was 1.35%; operating return on average equity was 10.51%.
Outlook and guidance
Management expressed optimism for 2026, citing successful integration of Provident and continued organic growth in loans and deposits.
What are the key operating benefits for 2026?
How will acquired NPLs impact future asset quality?
How does share repurchase fit with liquidity needs?
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Next NB Bancorp earnings date
Q1 202622 Apr, 2026
NB Bancorp
Next NB Bancorp earnings date
Q1 202622 Apr, 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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