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NB Bancorp, Inc. NBBK Bank Owned Life Insurance

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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$989.42M+42.9%
P/E16.7×+3.2×
P/S3.8×+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 / equity0×0.0×

Where this comes from

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

Tagged under the XBRL concept us-gaap:BankOwnedLifeInsurance.

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
Item 1. Financial Statements / NB Bancorp, Inc. / Consolidated Balance SheetsNB Bancorp, Inc. / Consolidated Balance Sheets / June 30, 2026NB Bancorp, Inc. / Consolidated Balance Sheets / December 31, 2025
Accrued interest receivable28,89825,390
Banking premises and equipment, net49,29846,209
Non-public investments42,02933,740
Bank-owned life insurance ("BOLI")97,370104,335
Prepaid expenses and other assets69,22868,079
Goodwill18,51218,512
Core deposit intangible, net17,51919,303
Deferred income tax asset, net50,49948,831

Item 1. Financial Statements

FAQ

What is NB Bancorp, Inc.'s bank owned life insurance?
NB Bancorp, Inc. (NBBK) reported bank owned life insurance of $97.37M in Q2 2026.
How has NB Bancorp, Inc.'s bank owned life insurance changed year-over-year?
NB Bancorp, Inc.'s bank owned life insurance increased by 74.8% year-over-year, from $55.71M to $97.37M.
What is the long-term trend for NB Bancorp, Inc.'s bank owned life insurance?
Over 3 years (2022 to 2025), NB Bancorp, Inc.'s bank owned life insurance has grown at a 28.6% compound annual growth rate (CAGR), from $49.01M to $104.34M.
What does bank owned life insurance mean?
This represents the cash surrender value of life insurance policies purchased by the bank on the lives of key employees. It functions as a tax-advantaged asset that helps offset the costs associated with employee benefit plans. The growth in this asset reflects the accumulation of policy cash values over time.

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