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NB Bancorp, Inc. NBBK Reserve for ESOP Debt Retirement

Reserve for ESOP Debt Retirement at other companies

Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$121.53M-4.0%
NB Bancorp, Inc. logo
NB Bancorp, Inc.NBBK
$41.87M-5.3%
TFS Financial logo
TFS FinancialTFSL
$16.25M-21.1%
Columbia Financial, Inc. logo
Columbia Financial, Inc.CLBK
$27.38M-7.7%
Capitol Federal Financial logo
Capitol Federal FinancialCFFN
$23.95M
Provident Financial Services logo
Provident Financial ServicesPFS
$0

Other financials

Income statement

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Revenue$69.4M+46.3%
Net income$15.0M+18.4%
EPS (diluted)$0.36+9.1%

Balance sheet

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Cash & equivalents$375.4M+19.8%
Total debt$21.7M+64.7%
Total equity$842.8M+13.9%
Total assets$7.2B+37.9%

Cash flow

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Operating cash flow$27.3M+175%
CapEx$2.0M+1,777%
Free cash flow$25.3M+157%

Valuation

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Market cap$926.48M+40.4%
P/E17.6×+3.3×
P/S3.9×+0.2×

Profitability

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Net margin22.3%-3.4pp
FCF margin32%-3.1pp

Returns & leverage

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Return on equity6.7%+0.4pp
Debt / equity0.0×

Where this comes from

Reported directly by NB Bancorp, Inc. in its filing.

Tagged under the XBRL concept us-gaap:UnearnedESOPShares.

The official record: NB Bancorp, Inc.’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is NB Bancorp, Inc.'s reserve for ESOP debt retirement?
NB Bancorp, Inc. (NBBK) reported reserve for ESOP debt retirement of $41.87M in Q1 2026.
How has NB Bancorp, Inc.'s reserve for ESOP debt retirement changed year-over-year?
NB Bancorp, Inc.'s reserve for ESOP debt retirement decreased by 5.3% year-over-year, from $44.23M to $41.87M.
What is the long-term trend for NB Bancorp, Inc.'s reserve for ESOP debt retirement?
Over 2 years (2023 to 2025), NB Bancorp, Inc.'s reserve for ESOP debt retirement has grown at a 75.6% compound annual growth rate (CAGR), from $13.77M to $42.45M.
What does reserve for ESOP debt retirement mean?
This represents a contra-equity account or reserve established to account for debt incurred by an Employee Stock Ownership Plan (ESOP). It reflects the portion of the ESOP debt that has not yet been allocated to participants or repaid. This metric is essential for understanding the impact of employee ownership structures on the bank's total shareholders' equity.