NB Bancorp Inc
nbbancorp.comWhat Do They Do?
Makes commercial, residential real estate, construction and consumer loans to business and individual borrowers.
How Do They Make Money?
Earns interest on loans and other interest-earning assets, while paying interest on deposits and other interest-bearing liabilities. It also charges customers fees for card use, overdrafts, cash management, account services, wires, some loan prepayments and investment advisory services.
10-K for FY2025, filed Mar 3, 2026Our results of operations depend primarily on our net interest income.View ↗
Net interest income is the difference between the interest income we earn on our interest-earning assets and the interest we pay on our…View ↗
ATM and interchange income are reported net of directly related expenses and are recognized by the Company when customers use their…View ↗
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10-K for FY2025, filed Mar 3, 2026
FY2025 revenue by product or service (Customer service fees) ↗
$335.7M
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10-K for FY2025, filed Mar 3, 2026
$335.7M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
ATM and interchange income, net of related expenses
Usage-based
10-K for FY2025, filed Mar 3, 2026 |
24%
FY2022: 25%
|
ATM and interchange income, net of related expenses, FY2025
$2.6M Sources
|
Usage-based |
|
Non-sufficient funds ("NSF") and overdraft fees
Usage-based
|
6.8%
FY2022: 9.1%
|
Non-sufficient funds ("NSF") and overdraft fees, FY2025
$709K Sources
|
Usage-based |
|
Other customer service fees
|
69%
FY2022: 66%
|
Other customer service fees, FY2025
$7.2M Sources
|
Who Are Their Customers?
Lends to businesses, homeowners and other individual borrowers through banking staff at its offices and mortgage brokers; it also receives referrals from existing and former customers and local professionals.
10-K for FY2025, filed Mar 3, 2026Lending ActivitiesView ↗
One-to-Four-Family Residential Real Estate Lending. One of the primary focuses of our lending has long been the origination of long-term…View ↗
Our loan originations are generated by our banking personnel operating at our banking offices and mortgage brokers.View ↗
Additionally, in recent years, we have purchased a variety of consumer loans. We also obtain referrals from existing and former customers…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 15 cents of every revenue dollar as net income in FY2025 and turned 17 cents into free cash flow.
How Are They Changing?
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