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NB Bancorp, Inc. NBBK Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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Other financials

Income statement

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Revenue$74.7M+45.7%
Net income$21.1M+44.9%
EPS (diluted)$0.53+35.9%

Balance sheet

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Cash & equivalents$400.2M+54.7%
Total debt$21.7M+64.7%
Total equity$842.0M+14.2%
Total assets$7.4B+42.5%

Cash flow

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Operating cash flow$34.2M+26.4%
CapEx$2.9M+205%
Free cash flow$31.3M+19.9%

Valuation

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Market cap$996.87M+39.5%
P/E16.9×+2.9×
P/S3.9×+0.1×

Profitability

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Net margin22.8%-4.3pp
FCF margin31.1%-3.4pp

Returns & leverage

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Return on equity7.5%+0.5pp
Debt / equity0.0×

Where this comes from

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

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: NB Bancorp, Inc.’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 1:01 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092573
Line itemFor the Three Months Ended / June 30, 2026For the Three Months Ended / June 30, 2025For the Six Months Ended / June 30, 2026For the Six Months Ended / June 30, 2025
Provision for credit losses - loans2,9944,2449,3765,191
Provision for (release of) credit losses - unfunded commitments199(1,083)145(872)
Total provision for credit losses3,1933,1619,5214,319
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES65,95243,846124,49186,213
NONINTEREST INCOME
Customer service fees3,6812,5546,8125,112
Increase in cash surrender value of BOLI9627871,8151,818
Mortgage banking income92120211269

Item 1. Financial Statements

FAQ

What is NB Bancorp, Inc.'s net interest income (after provisions)?
NB Bancorp, Inc. (NBBK) reported net interest income (after provisions) of $65.95M in Q2 2026.
How has NB Bancorp, Inc.'s net interest income (after provisions) changed year-over-year?
NB Bancorp, Inc.'s net interest income (after provisions) increased by 50.4% year-over-year, from $43.85M to $65.95M.
What is the long-term trend for NB Bancorp, Inc.'s net interest income (after provisions)?
Over 2 years (2023 to 2025), NB Bancorp, Inc.'s net interest income (after provisions) has grown at a 27.9% compound annual growth rate (CAGR), from $117.84M to $192.81M.
What does net interest income (after provisions) mean?
This metric adjusts net interest income by subtracting the provision for loan and lease losses, which accounts for expected credit defaults. It provides a more accurate view of the bank's net earnings power after accounting for the inherent risk in its loan portfolio.

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