The bank maintains a robust capital position with an equity-to-assets ratio of 0.12, supporting its $7.2B asset base despite the risks associated with concentrated commercial lending.
| Cash & Short Term Investments | 1.72B | 594.67M | 305.09M | 279.95M | 376.55M | 716.93M |
| Cash & Due from Banks | 327.74M | 325.71M | 211.17M | 90.48M | 131.07M | 457.18M |
| Short Term Investments | 277.24M | 268.96M | 93.92M | 189.47M | 245.48M | 259.75M |
| Total Investments | 277.24M | 268.96M | 4.55B | 4.09B | 3.25B | 2.35B |
| Investments Growth % | -164.77% | -94.08% | 11.3% | 25.84% | 38.13% | - |
| Long-Term Investments | 9.55B | 0 | 4.45B | 3.9B | 3B | 2.09B |
| Accounts Receivables | 6.24B | 6.01B | 19.68M | 17.28M | 10.84M | 7.54M |
| Goodwill & Intangibles | 36.92M | 36.09M | 0 | 0 | 0 | 0 |
| Goodwill | 18.51M | 16.79M | 0 | 0 | 0 | 0 |
| Intangible Assets | 18.41M | 19.3M | 0 | 0 | 0 | 0 |
| PP&E (Net) | 47.34M | 46.21M | 34.65M | 35.53M | 35.34M | 29.21M |
| Other Assets | 0 | 0 | 314.96M | 285.71M | 95.9M | 45.54M |
| Total Current Assets | 6.84B | 6.61B | 324.77M | 297.23M | 448.69M | 750.92M |
| Total Non-Current Assets | 133.93M | 130.45M | 4.83B | 4.24B | 3.14B | 2.17B |
| Total Assets | 7.23B | 7.01B | 5.16B | 4.53B | 3.59B | 2.92B |
| Asset Growth % | 91.25% | 35.84% | 13.77% | 26.2% | 22.91% | - |
| Return on Assets (ROA) | 0.85% | 0.83% | 0.87% | 0.24% | 0.92% | 0.74% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 189.7M | 196.24M | 120.83M | 283.34M | 293.08M | 256K |
| Net Debt | -138.04M | -129.48M | -90.33M | 192.85M | 162.01M | -456.93M |
| Long-Term Debt | 189.7M | 196.24M | 20.84M | 283.34M | 293.08M | 256K |
| Short-Term Debt | 0 | 0 | 100M | 0 | 0 | 0 |
| Other Liabilities | 92.11M | 5.93B | 89.53M | 19.21M | 11.98M | 7.89M |
| Total Current Liabilities | 6.1B | 21.52M | 4.28B | 3.47B | 2.94B | 2.59B |
| Total Non-Current Liabilities | 281.81M | 6.13B | 110.37M | 302.55M | 305.06M | 8.15M |
| Total Liabilities | 6.38B | 6.15B | 4.39B | 3.78B | 3.25B | 2.6B |
| Total Equity | 842.78M | 858.93M | 765.17M | 757.96M | 344.06M | 326.13M |
| Equity Growth % | 23.82% | 12.25% | 0.95% | 120.3% | 5.5% | - |
| Equity / Assets (Capital Ratio) | 11.66% | 12.26% | 14.84% | 16.72% | 9.58% | 11.16% |
| Return on Equity (ROE) | 6.63% | 6.19% | 5.53% | 1.78% | 8.97% | 6.62% |
| Book Value per Share | 20.35 | 20.86 | 19.43 | 18.04 | 8.06 | 7.64 |
| Tangible BV per Share | 19.46 | 19.99 | 19.43 | 18.04 | 8.06 | 7.64 |
| Common Stock | -41.87M | 458K | 427K | 427K | 0 | 0 |
| Additional Paid-in Capital | 432.86M | 458.86M | 417.25M | 417.03M | 0 | 0 |
| Retained Earnings | 456.98M | 445.2M | 400.47M | 366.17M | 358.47M | 328.4M |
| Accumulated OCI | -5.63M | -3.14M | -8.17M | -11.9M | -14.4M | -2.27M |
| Treasury Stock | 0 | -42.45M | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 |
CRE concentration and liquidity
According to recent financial disclosures, NBBK has aggressively expanded its total assets to $7.2B in 2026Q1, a clear signal that the bank is actively deploying the capital surplus from its mutual-to-stock conversion into interest-earning assets to improve long-term earnings power.
The rapid growth in total assets from $4.5B in 2023Q4 to $7.2B in 2026Q1 suggests a deliberate strategy to leverage the post-conversion balance sheet. Investors should monitor whether this pace of expansion can be sustained without compromising the bank's historical credit underwriting standards.
As reported in quarterly filings, NBBK maintains an equity-to-assets ratio of 0.12, which, while lower than the 0.17 observed in 2023Q4, indicates a robust capital position that provides significant flexibility for future loan growth or strategic capital return initiatives.
The decline in the equity-to-assets ratio is a natural consequence of deploying conversion proceeds into the loan book. This capital cushion appears sufficient to absorb potential volatility in the CRE portfolio while maintaining regulatory compliance during this period of rapid balance sheet scaling.
Based on the most recent balance sheet data, NBBK holds $327.7M in cash and equivalents, providing a stable liquidity foundation that allows the bank to navigate competitive deposit pricing pressures in the Greater Boston market while funding ongoing commercial lending activities.
The bank's liquidity position appears well-managed, with cash levels remaining relatively stable even as the broader asset base has grown significantly. This liquidity buffer is essential for managing the duration mismatch inherent in a CRE-heavy loan portfolio during periods of interest rate uncertainty.
Data from the 2026Q1 period shows a provision for loan losses of $6.3M, which, when viewed alongside the bank's aggressive asset growth, suggests a proactive approach to credit risk management as the institution scales its commercial and specialized lending exposures.
The increase in provision expense may indicate management's recognition of the heightened risk profile associated with rapid loan book expansion. Analysts should watch for future charge-off trends to determine if this provisioning level is sufficient to cover potential losses in the CRE and multifamily segments.
Quick answers to the most common questions about buying NBBK stock.
As of 2025, NB Bancorp, Inc. Common Stock (NBBK) had total assets of $7.01B including $6.61B in current assets.
NB Bancorp, Inc. Common Stock (NBBK) carries total debt of $196.2M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
NB Bancorp, Inc. Common Stock (NBBK) has total shareholders' equity (book value) of $858.9M ($20.86 book value per share). Book value represents the net worth of the company belonging to common stock holders.
NB Bancorp, Inc. Common Stock (NBBK) reported a current ratio of 306.98x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.