NB Bancorp, Inc. is classed by the SEC under Savings Institutions, Not Federally Chartered (industry code 6036), based in Needham, MA. Its latest filed balance sheet (2025-12-31) shows total assets of $7.2 billion (its filed statements).
Lending businessSavings Institutions, Not Federally CharteredNeedham, MAfilings since 20238 of 9 filed, 1 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6036, Savings Institutions, Not Federally Chartered); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 7.0 out of ten, 8 of 9 metrics filed and 1 estimated: past 8.6 out of ten, present 6.4 out of ten, future 5.2 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 8.7 out of ten. No warning events in its filings since 2023. 87th percentile among 23 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 8.3 out of ten. +40.5% a year over 4 filed years; profitable in 4 of 4. 83rd percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 8.6 out of ten. Share count shrank 5.4% a year. 53% of cash flow returned. Insiders: 1 sales, 28 purchases. 86th percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 6.3 out of ten. ROE 6%: 6¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar. 63rd percentile among 23 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 8.0 out of ten. top 20% of 22 in its family; net margin 15%. 80th percentile among 22 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 4.3 out of ten. CrossAssetData estimate 4.3/10, confidence 35 of 100 (one part). 43rd percentile among 22 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Room to expand (future): 5.8 out of ten. top 42% of 19 in its family for room to expand. 58th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 4.5 out of ten. bottom 45% of 19 in its family for growth drivers. 45th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 5.4 out of ten. top 46% of 17 in its family for expectations against reality. 54th percentile among 17 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-03 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-22 (on EDGAR). Newest filing: Form 4, 2026-08-21. Filings on record since 2023. Read from EDGAR 2026-10-12.
Who runs it
Campanelli, Joseph P (President & CEO); Schulman, Matthew G (EVP, President Needham Prv Bnk); Lapointe, Jean-Pierre (SEVP and CFO); Roberts, Christine (SEVP and COO); Henkin, Kevin (EVP, Chief Credit Officer); White, James J. (EVP, Chief Administrative Offc); Daley, James B. (EVP - Dir C&I Banking); Evangelista, Paul A (EVP, Dir Spec. Bank. Ctr.); Maiona, Stephanie (EVP, Dir CRE Banking); Richardson, Matthew (EVP, Treasury & Cash Mgmt Svcs); and 12 more. 22 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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