Form 8-K

8-K — NB Bancorp, Inc.

Accession: 0001104659-26-085826

Filed: 2026-07-22

Period: 2026-07-22

CIK: 0001979330

SIC: 6036 (SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Other Events

Item: Financial Statements and Exhibits

Documents

8-K — nbbk-20260722x8k.htm (Primary)

EX-99.1 (nbbk-20260722xex99d1.htm)

EX-99.2 (nbbk-20260722xex99d2.htm)

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8-K

8-K (Primary)

Filename: nbbk-20260722x8k.htm · Sequence: 1

NB BANCORP, INC._July 22, 2026

0001979330false00019793302026-07-222026-07-22

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): July 22, 2026

NB BANCORP, INC.

(Exact Name of Registrant as Specified in Charter)

Maryland

001-41899

93-2560883

(State or Other Jurisdiction)

(Commission File No.)

(I.R.S. Employer

of Incorporation)

Identification No.)

1063 Great Plain Avenue, Needham, Massachusetts

02492

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s telephone number, including area code: (781) 444-2100

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange on which registered

Common Stock, Par Value $0.01 Per Share

NBBK

The Nasdaq Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02

Results of Operation and Financial Condition.

On July 22, 2026, NB Bancorp, Inc. (the “Company”), the holding company for Needham Bank, issued a press release in which it announced its earnings for the quarter ended June 30, 2026.

A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933.

Item 7.01

Regulation FD Disclosure.

On July 22, 2026, the Company made available investor presentation materials which are intended to be used at an in-person investors bank meeting on July 28, 2026. The investor presentation materials are included in the Current Report on Form 8-K as Exhibit 99.2 and are incorporated herein by reference.

The information in this Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.2, is being furnished and shall not be deemed to be “filed” for the purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities of that section.

Item 8.01

Other Events.

On July 22, 2026, the Board of Directors of the Company (the “Board”) declared a dividend of $0.07 per share. The dividend will be paid August 19, 2026 to shareholders of record as of August 5, 2026.

A copy of the press release announcing the declaration of the dividend is attached to this Current Report on Form 8-K as Exhibit 99.1 and is hereby incorporated by reference.

Item 9.01

Financial Statements and Exhibits.

(d)

Exhibits

Exhibit No.

Description

99.1

Press Release dated July 22, 2026

99.2

Q2 2026 Investor Presentation

104.1

Cover Page Interactive Data File (Embedded within Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

NB BANCORP, INC.

DATE: July 22, 2026

By:

/s/Jean-Pierre Lapointe

Senior Executive Vice President and Chief Financial Officer

EX-99.1

Filename: nbbk-20260722xex99d1.htm · Sequence: 2

Exhibit 99.1

NB Bancorp, Inc. Reports Second Quarter 2026 Financial Results, Declares Quarterly Cash Dividend

Investor Contact

JP Lapointe, SEVP, CFO

IR@NeedhamBank.com

781-474-5408

Needham, MA, July 22, 2026 – NB Bancorp, Inc. (the “Company”) (Nasdaq Capital Market: NBBK), the holding company of Needham Bank (the “Bank”), today announced its second quarter 2026 financial results.

● Net income for the second quarter of 2026 amounted to $21.1 million, or $0.53 per diluted common share, compared to net income of $15.0 million, or $0.36 per diluted common share, for the prior quarter. Return on average assets and return on average equity for the second quarter of 2026 were 1.17% and 10.03%, respectively, increases from 0.87% and 7.05%, respectively, for the prior quarter.

● Operating net income(1) for the second quarter of 2026 increased 38.5% and amounted to $21.9 million, or $0.55 per diluted common share, compared to operating net income(1) of $15.8 million, or $0.38 per diluted common share, for the prior quarter. Operating return on average assets(1) and operating return on average equity(1) for the second quarter of 2026 were 1.21% and 10.39%, respectively, increases from 0.92% and 7.43%, respectively, for the prior quarter.

● Net interest margin expanded by 7 basis points to 4.00% from 3.93% in the prior quarter as total loans increased 3.4% while total deposits increased 3.7% during the quarter. Net interest margin, excluding purchase accounting adjustments(1), expanded by 5 basis points to 3.87% during the current quarter from 3.82% in the prior quarter.

● Efficiency ratio improved to 58.92% from 61.55% in the prior quarter, while operating efficiency ratio(1) improved to 57.66% from 60.06% in the prior quarter.

● Net charge-offs (annualized) as a percent of average loans declined to 0.07% from 0.91% in the prior quarter. Non-performing loans as a percent of total loans decreased to 0.43% at the end of the second quarter from 0.73% at the end of the prior quarter.

“The second quarter of 2026 displayed Needham Bank’s continued execution of our strategy for disciplined growth in market share as total loans increased 3.4% during the quarter, while total deposits increased 3.7% over the same period. Through the first half of 2026, total loans and total deposits have increased by 15.0% and 15.9% on an annualized basis, while operating EPS increased 24%, respectively. Our teams remained focused on executing our strategic priorities and investing in the infrastructure, technology, and operating capabilities needed to support continued profitable growth. This included targeted investments in artificial intelligence, improved internal systems and automation tools designed to enhance internal efficiency, scalability, and employee effectiveness. We are well positioned to continue to enhance the customer experience and grow market share, while improving long-term operating leverage. The dedication and collaboration of our employees continue to be defining strengths for Needham Bank. As we invest thoughtfully in technology, artificial intelligence, and operational capabilities, while maintaining strong credit performance and disciplined growth, we are building a more scalable and efficient organization that is well-positioned to deliver long-term value for our customers, communities, and shareholders,” Campanelli concluded.

Declaration of Dividend

The Board of Directors declared a quarterly cash dividend of $0.07 per share, payable on August 19, 2026, to shareholders of record as of August 5, 2026.

SELECTED FINANCIAL HIGHLIGHTS FOR THE SECOND QUARTER OF 2026

● Net income of $21.1 million, or $0.53 per diluted common share, compared to net income of $15.0 million, or $0.36 per diluted common share, for the prior quarter. Operating net income(1), excluding one-time charges, amounted to $21.9 million, or $0.55 per diluted common share, compared to operating net income(1) of $15.8 million, or $0.38 per diluted common share, for the prior quarter.

● Operating return on average assets increased to 1.21% from 0.92%, operating return on average equity increased to 10.39% from 7.43% and net interest margin expanded to 4.00% from 3.93%.

● Credit trends from the BankProv acquisition improved during the quarter, where net charge-offs to average loans decreased to 0.07% from 0.91% and non-performing assets to total assets decreased to 0.37% from 0.63%

One-time pre-tax charges during the current quarter include:

o Non-recurring fees for business line expansion of $649 thousand ($499 thousand net of tax);

o Final merger and acquisition costs of $296 thousand ($227 thousand net of tax) related to the Company’s acquisition of Provident; and

o Tax expense and a modified endowment contract penalty of $27 thousand related to the surrender of Bank-owned life insurance (“BOLI”) policies acquired from BankProv.

One-time pre-tax charges during the prior quarter include:

o Pre-tax trailing merger and acquisition costs of $534 thousand ($390 thousand net of tax) related to the Company’s completed acquisition of Provident;

o Non-recurring fees for business line expansion of $500 thousand ($366 thousand net of tax); and

o Tax expense and a modified endowment contract penalty of $50 thousand related to the surrender of BOLI policies acquired from BankProv.

● Net interest margin expanded by 7 basis points to 4.00% during the current quarter from 3.93% in the prior quarter. Net interest margin, excluding purchase accounting adjustments(1), expanded by 5 basis points to 3.87% during the current quarter from 3.82% in the prior quarter.

● Gross loans increased $213.0 million, or 3.4%, to $6.42 billion, from $6.21 billion in the prior quarter.

● Total deposits increased $222.9 million, or 3.7%, to $6.32 billion, from $6.10 billion in the prior quarter.

o Core deposits, which the Company considers to be all non-brokered deposits, increased $73.1 million, or 1.3%, to $5.60 billion, from $5.53 billion in the prior quarter.

o Brokered deposits increased $149.8 million, or 26.3%, to $719.9 million, from $570.1 million in the prior quarter.

● Book value per share and tangible book value per share(1) were $19.22 and $18.51, respectively, in the current quarter, compared to $18.83 and $18.11, respectively, in the prior quarter. The increase in tangible book value per share(1) was a result of $21.1 million in net income for the quarter, partially offset by the repurchase of 918,727 shares during the current quarter at an all-in weighted average cost of $20.13 per share and $3.1 million in dividends paid during the quarter.

BALANCE SHEET

Total assets amounted to $7.45 billion as of June 30, 2026, representing an increase of $220.2 million, or 3.0%, from $7.23 billion as of March 31, 2026.

● Cash and cash equivalents increased $24.6 million, or 6.5%, to $400.2 million from $375.6 million in the prior quarter, as a result of net income earned during the quarter of $21.1 million, along with deposit growth of $222.9 million, partially offset by loan growth of $211.1 million and the repurchase of 918,727 shares during the current quarter at an all-in weighted average cost of $20.13 per share.

● Net loans increased $211.1 million, or 3.4%, to $6.34 billion, from $6.13 billion in the prior quarter as demand for new loan originations and advances continued. The current quarter change was primarily seen in commercial real estate loans, which increased $196.7 million, or 10.2%, residential real estate loans, which increased $45.0 million, or 3.4%, and multi-family residential loans, which increased $29.6 million, or 5.5%, partially offset by mortgage warehouse loans, which decreased $59.5 million, or 21.5% along with continued run-off of the acquired Enterprise Value portfolio, which decreased $29.5 million, or 18.5%, from the prior quarter.

● Deposits increased $222.9 million, or 3.7%, to $6.32 billion from $6.10 billion in the prior quarter. The change in deposits was the result of noninterest bearing demand deposits, which increased $80.8 million, or 9.3%, NOW accounts, which increased $61.8 million, or 8.9% and brokered deposits, which increased $149.8 million, or 26.3%, partially offset by money market accounts, which decreased $77.4 million, or 4.4%.

● Shareholders’ equity decreased $776 thousand, or 0.1%, to $842.0 million, from $842.8 million in the prior quarter, primarily as a result of the repurchase of 918,727 shares of common stock at an all-in weighted average cost of $20.13 per share totaling $18.5 million and $3.1 million in dividends paid during the current quarter, partially offset by net income of $21.1 million. Shareholders’ equity to total assets and tangible shareholders’ equity(1) to tangible assets were 11.3% and 10.9%, respectively, at the end of the current quarter, compared to 11.7% and 11.3%, respectively, at the end of the prior quarter.

NET INTEREST INCOME

Net interest income increased $4.3 million, or 6.6%, to $69.1 million for the current quarter, compared to $64.9 million for the prior quarter. Net interest margin expanded 7 basis points to 4.00% for the current quarter, from 3.93% in the prior quarter.

● Interest income increased during the current quarter, primarily attributable to an increase in the average balance of and weighted average rate on loans as a result of the continued execution of our growth strategy, partially offset by a reduction in the average balance of and weighted average rate on short-term investments.

● Interest expense increased for the current quarter, primarily driven by increases in the average balances of certificates of deposit and individual retirement accounts and FHLB borrowings, partially offset by a decrease in the weighted average rate on certificates of deposit and individual retirement accounts.

PROVISION FOR CREDIT LOSSES

Provision for credit losses decreased $3.1 million, or 49.5%, to a provision for credit losses of $3.2 million for the current quarter, compared to a provision for credit losses of $6.3 million for the prior quarter.

● The provision for credit losses on loans decreased $3.4 million, or 53.1%, to $3.0 million for the current quarter, compared to $6.4 million for the prior quarter, primarily driven by an $822 thousand recovery from a commercial and industrial loan, improved qualitative factors on commercial real estate and multi-family loans and no downgrades in qualitative factors, which existed in the prior quarter.

● The provision for credit losses on unfunded commitments increased $253 thousand, or 468.5%, to $199 thousand for the current quarter, compared to a release of $54 thousand for the prior quarter, primarily driven by an increase in net unfunded commitments in the current quarter.

NONINTEREST INCOME

Noninterest income increased $1.0 million, or 23.2%, to $5.6 million for the current quarter, compared to $4.5 million for the prior quarter.

● Customer service fees increased $550 thousand, or 17.6%, to $3.7 million for the current quarter, compared to $3.1 million in the prior quarter due to increased loan fee income, cash management fees and customer transactional volume.

● Other income increased $315 thousand, or 150.0%, to $525 thousand for the current quarter, compared to $210 thousand in the prior quarter, primarily driven by $229 thousand of credit card branding and marketing income recognized during the quarter, along with higher preferred dividends from solar tax credit investments.

● Gain (loss) on sale of loans, net, increased $228 thousand to a $227 thousand gain in the current quarter, compared to a $1 thousand loss in the prior quarter, resulting from the improvement in the fair market value of consumer loans held for sale during the current quarter.

NONINTEREST EXPENSE

Noninterest expense increased $1.3 million, or 3.1%, to $44.0 million for the current quarter, compared to $42.7 million for the prior quarter.

● Marketing and charitable contribution expenses increased $497 thousand, or 48.1%, to $1.5 million for the current quarter, compared to $1.0 million for the prior quarter, primarily resulting from advertising expenses related to customer events and branch openings, as well as a higher volume of Bank contributions to charities during the current quarter.

● Data processing expenses increased $460 thousand, or 10.4%, to $4.9 million for the current quarter, compared to $4.4 million for the prior quarter, primarily driven by our continued investment in technology and systems in support of upcoming revenue initiatives, requiring the operation of systems in parallel for a period of time while new systems are implemented.

● FDIC and state insurance assessment expenses increased $432 thousand, or 37.5%, to $1.6 million for the current quarter, compared to $1.2 million for the prior quarter, primarily driven by increased insurance assessments related to the BankProv acquisition.

INCOME TAXES

Income tax expense increased $1.0 million, or 18.7%, to $6.4 million for the current quarter, compared to $5.4 million for the prior quarter. The increase was primarily driven by the increase in net income during the current quarter. The effective tax rate and the operating effective tax rate(1) were 23.2% and 23.1%, respectively, for the current quarter, compared to 26.4% and 26.2%, respectively, for the prior quarter. The primary drivers of the decrease in the effective tax rate were a higher volume of earned income tax credits and tax-exempt interest income on loans due to the origination of a tax-exempt loan at the end of the prior quarter.

COMMERCIAL REAL ESTATE PORTFOLIO

Commercial real estate loans increased $226.2 million, or 9.2%, to $2.69 billion, during the current quarter.

● Cannabis facility commercial real estate loans decreased $3.7 million, or 1.7%, to $210.1 million during the current quarter. The Company’s cannabis facility commercial real estate portfolio is secured entirely by the underlying commercial real estate of the borrower operation, in addition to, in most cases, a lien on all business assets. The vast majority of the cannabis facility loan portfolio balances have a loan-to-value ratio of 65% or lower, with appraisal reports taking a blended approach (using both cannabis and non-cannabis use comparable real estate sales, which we believe are generally more conservative).

● The cannabis facility portfolio has geographic dispersion, with lower dollar exposure loans remaining local and larger dollar exposure loans generally tied to multi-state operators with a more national footprint. All cannabis facility loan relationships were current at the end of the current quarter.

● The Company’s multi-family real estate loan portfolio increased $29.6 million, or 5.5%, during the current quarter to $567.7 million. The Company’s multi-family real estate loan portfolio consists of properties primarily located in the Greater Boston area, all of which are adjustable-rate loans and performing at the end of the current quarter.

● The Company’s $335.7 million office portfolio consists principally of suburban Class A and B office space used as medical and traditional offices. The portfolio does not consist of high-rise towers located in Boston and are performing at the end of the current quarter.

ASSET QUALITY

● The allowance for credit losses (“ACL”) amounted to $82.1 million as of June 30, 2026, or 1.28% of total loans, compared to $80.2 million, or 1.29% of total loans as of March 31, 2026.

● The Company recorded a provision for credit losses of $3.2 million during the current quarter, which included a provision for credit losses on loans of $3.0 million and a provision of $199 thousand for unfunded commitments, compared to a provision for credit losses of $6.3 million during the prior quarter, which included a provision for credit losses on loans of $6.4 million and a release of provision of $54 thousand for unfunded commitments.

● The increase in the ACL for the current quarter was primarily driven by loan growth.

● Non-performing loans (“NPLs”) decreased $17.9 million, or 39.3%, to $27.7 million as of June 30, 2026, from $45.6 million at the end of the prior quarter. The decrease was primarily due to the decrease in commercial and industrial loans on non-accrual of $18.4 million, resulting from improved performance or workouts. The ACL as a percent of NPLs is 297% as of June 30, 2026, an increase from 176% at the end of the prior quarter.

● During the current quarter, the Company recorded total net charge-offs of $1.1 million, or 0.07% of average total loans on an annualized basis, which related to non-purchase-credit-deteriorated (“PCD”) loans, compared to net charge-offs of $13.6 million, or 0.91% of average total loans on an annualized basis, in the prior quarter. The $12.4 million decrease in net charge-offs during the current quarter was primarily a result of prior quarter charge-offs on previously fully reserved for PCD commercial and industrial loans.

● As part of its ongoing credit risk management framework and prudent oversight, the Company periodically reviews lending relationships across all portfolios to ensure alignment with its risk appetite, regulatory expectations, and evolving market conditions.

● The Company’s loan portfolio consists primarily of commercial real estate and multi-family loans, one-to-four-family residential real estate loans, construction and land development loans, commercial and industrial loans, mortgage warehouse loans and consumer loans. These loans are primarily made to individuals and businesses located in our primary lending market area, which is the Greater Boston metropolitan area and surrounding communities in greater New England.

(1) Represents a non-GAAP measure. See Non-GAAP reconciliation of the corresponding GAAP measures on pages 13 and 14.

ABOUT NB BANCORP, INC.

NB Bancorp, Inc. (Nasdaq Capital Market: NBBK) is the registered bank holding company of Needham Bank. Needham Bank is headquartered in Needham, Massachusetts, which is approximately 17 miles southwest of Boston’s financial district. Known as the “Builder’s Bank,” Needham Bank has been helping individuals, businesses and non-profits build for their futures since 1892. Needham Bank offers an array of tech-forward products and services that businesses and consumers use to manage their financial needs. Needham Bank also provides services to companies in the cannabis industry by providing loans and deposits, along with supporting payment platforms in this industry, such as Mosaic.

We have the financial expertise typically found at much larger institutions and the local knowledge and commitment you can only find at a community bank. For more information, please visit https://NeedhamBank.com. Needham Bank is a member of FDIC.

Non-GAAP Financial Measures

In addition to results presented in accordance with accounting principles generally accepted in the United States of America (“GAAP”), this press release contains certain non-GAAP financial measures, including pre-provision net revenue, operating net income, operating pre-tax income, net interest margin, excluding purchase accounting adjustments, operating noninterest expense, operating noninterest income, operating effective tax rate, operating earnings per share, basic, operating earnings per share, diluted, operating return on average assets, operating return on average shareholders’ equity, operating efficiency ratio, tangible shareholders’ equity, tangible assets and tangible book value per share. The Company’s management believes that the supplemental non-GAAP information is utilized by regulators and market analysts to evaluate a Company’s financial condition and therefore, such information is useful to investors. These disclosures should not be viewed as a substitute for financial results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. Because non-GAAP financial measures are not standardized, it may not be possible to compare these financial measures with other companies’ non-GAAP financial measures having the same or similar names.

Forward-Looking Statements

Statements in this press release that are not historical facts are forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995.

We may also make forward-looking statements in other documents we file with the Securities and Exchange Commission (the “SEC”), in our annual reports to our stockholders, in press releases and other written materials, and in oral statements made by our officers, directors or employees. You can identify forward-looking statements by the use of the words “believe,” “expect,” “anticipate,” “intend,” “estimate,” “assume,” “outlook,” “will,” “should,” and other expressions that predict or indicate future events and trends and which do not relate to historical matters. Although the Company believes that these forward-looking statements are based on reasonable estimates and assumptions, they are not guarantees of future performance and are subject to known and unknown risks, uncertainties, and other factors. You should not place undue reliance on our forward-looking statements. You should exercise caution in interpreting and relying on forward-looking statements because they are subject to significant risks, uncertainties and other factors which are, in some cases, beyond the Company’s control. The Company’s actual results could differ materially from those projected in the forward-looking statements as a result of, among other factors, changes in general business and economic conditions on a national basis and in the local markets in which the Company operates, including changes which adversely affect borrowers’ ability to service and repay loans; changes in customer behavior due to political, business and economic conditions, including inflation and concerns about liquidity; turbulence in the capital and debt markets; reductions in net interest income resulting from interest rate volatility as well as changes in the balances and mix of loans and deposits; changes in interest rates and real estate values; changes in loan collectability and increases in defaults and charge-off rates; decreases in the value of securities and other assets, adequacy of credit loss reserves, or deposit levels necessitating

increased borrowing to fund loans and investments; risks related to the Company’s acquisitions generally, including disruption to current plans and operations; difficulties in customer and employee retention; fees, expenses and charges related to these transactions being significantly higher than anticipated; unforeseen integration issues or impairment of other intangibles; and the Company’s inability to achieve expected revenues, cost savings, synergies, and other benefits at levels or within the timeframes originally anticipated; changing government regulation; competitive pressures from other financial institutions; changes in legislation or regulation and accounting principles, policies and guidelines; cybersecurity incidents, fraud, natural disasters, and future pandemics; the risk that the Company may not be successful in the implementation of its business strategy; the risk that intangibles recorded in the Company’s financial statements will become impaired; changes in assumptions used in making such forward-looking statements; and the other risks and uncertainties detailed in the Company’s Form 10-K and updated by our Quarterly Report on Form 10-Q and other filings submitted to the SEC. These statements speak only as of the date of this release and the Company does not undertake any obligation to update or revise any of these forward-looking statements to reflect events or circumstances occurring after the date of this communication or to reflect the occurrence of unanticipated events.

NB BANCORP, INC.

SELECTED FINANCIAL HIGHLIGHTS

(Unaudited)

(Dollars in thousands, except per share data)

As of and for the three months ended

June 30, 2026

March 31, 2026

June 30, 2025

Earnings data

Net interest income

69,145

64,868

47,007

Noninterest income

5,559

4,513

4,278

Total revenue

74,704

69,381

51,285

Provision for credit losses

3,193

6,328

3,161

Noninterest expense

44,017

42,701

29,405

Pre-tax income

27,494

20,352

18,719

Net income

21,123

14,984

14,579

Operating net income (non-GAAP)

21,877

15,791

15,043

Operating noninterest expense (non-GAAP)

43,072

41,667

28,875

Per share data

Earnings per share, basic

0.53

0.37

0.39

Earnings per share, diluted

0.53

0.36

0.39

Operating earnings per share, basic (non-GAAP)

0.55

0.39

0.40

Operating earnings per share, diluted (non-GAAP)

0.55

0.38

0.40

Book value per share

19.22

18.83

18.09

Tangible book value per share (non-GAAP)

18.51

18.11

18.07

Profitability

Return on average assets

1.17%

0.87%

1.13%

Operating return on average assets (non-GAAP)

1.21%

0.92%

1.16%

Return on average shareholders' equity

10.03%

7.05%

7.84%

Operating return on average shareholders' equity (non-GAAP)

10.39%

7.43%

8.09%

Net interest margin

4.00%

3.93%

3.82%

Net interest margin, excluding purchase accounting adjustments

3.87%

3.82%

Cost of deposits

2.68%

2.73%

3.00%

Efficiency ratio

58.92%

61.55%

57.34%

Operating efficiency ratio (non-GAAP)

57.66%

60.06%

56.30%

Balance sheet, end of period

Total assets

7,446,880

7,226,649

5,226,618

Total loans

6,482,821

6,273,881

4,540,969

Total deposits

6,320,090

6,097,200

4,268,115

Total shareholders' equity

842,002

842,778

737,122

Asset quality

ACL

82,088

80,195

42,601

ACL / Total NPLs

296.8%

176.0%

341.4%

Total NPLs / Total loans

0.43%

0.73%

0.27%

Annualized net charge-offs / Average total loans

(0.07)%

(0.91)%

0.00%

Capital ratios

Shareholders' equity / Total assets

11.31%

11.66%

14.10%

Tangible shareholders' equity / tangible assets (non-GAAP)

10.94%

11.27%

14.09%

NB BANCORP, INC.

CONSOLIDATED BALANCE SHEETS

(Unaudited)

(Dollars in thousands, except share and per share data)

As of

June 30, 2026 change from

June 30, 2026

March 31, 2026

June 30, 2025

March 31, 2026

June 30, 2025

Assets

Cash and due from banks

372,522

327,951

157,175

44,571

13.6%

215,347

137.0%

Federal funds sold

27,632

47,618

101,587

(19,986)

(42.0)%

(73,955)

(72.8)%

Total cash and cash equivalents

400,154

375,569

258,762

24,585

6.5%

141,392

54.6%

Available-for-sale securities, at fair value

272,640

277,241

235,408

(4,601)

(1.7)%

37,232

15.8%

Loans held for sale, at fair value

59,927

63,971

(4,044)

(6.3)%

59,927

0.0%

Loans receivable, net of deferred fees

6,422,894

6,209,910

4,540,969

212,984

3.4%

1,881,925

41.4%

Allowance for credit losses

(82,088)

(80,195)

(42,601)

(1,893)

2.4%

(39,487)

92.7%

Net loans

6,340,806

6,129,715

4,498,368

211,091

3.4%

1,842,438

41.0%

Accrued interest receivable

28,898

27,150

20,386

1,748

6.4%

8,512

41.8%

Banking premises and equipment, net

49,298

47,335

34,289

1,963

4.1%

15,009

43.8%

Non-public investments

42,029

40,738

35,767

1,291

3.2%

6,262

17.5%

Bank-owned life insurance ("BOLI")

97,370

110,586

55,711

(13,216)

(12.0)%

41,659

74.8%

Prepaid expenses and other assets

69,228

67,749

57,277

1,479

2.2%

11,951

20.9%

Goodwill

18,512

0.0%

18,512

0.0%

Core deposit intangible, net

17,519

18,411

1,005

(892)

(4.8)%

16,514

1643.2%

Deferred income tax asset, net

50,499

49,672

29,645

827

1.7%

20,854

70.3%

Total assets

7,446,880

7,226,649

5,226,618

220,231

3.0%

2,220,262

42.5%

Liabilities and shareholders' equity

Deposits

Core deposits

5,600,238

5,527,148

4,013,955

73,090

1.3%

1,586,283

39.5%

Brokered deposits

719,852

570,052

254,160

149,800

26.3%

465,692

183.2%

Total deposits

6,320,090

6,097,200

4,268,115

222,890

3.7%

2,051,975

48.1%

Mortgagors' escrow accounts

4,420

4,858

4,117

(438)

(9.0)%

303

7.4%

Federal Home Loan Bank ("FHLB") borrowings

181,247

189,701

127,600

(8,454)

(4.5)%

53,647

42.0%

Accrued expenses and other liabilities

77,549

70,983

68,235

6,566

9.3%

9,314

13.6%

Accrued retirement liabilities

21,572

21,129

21,429

443

2.1%

143

0.7%

Total liabilities

6,604,878

6,383,871

4,489,496

221,007

3.5%

2,115,382

47.1%

Shareholders' equity:

Preferred stock, $0.01 par value, 5,000,000 shares authorized; no shares

issued and outstanding

0.0%

Common stock, $0.01 par value, 120,000,000 shares authorized; 43,818,490 issued and

outstanding at June 30, 2026, 44,765,178 issued and outstanding at March 31, 2026

and 40,748,380 issued and outstanding at June 30, 2025

438

448

407

(10)

(2.2)%

7.6%

Additional paid-in capital

415,841

432,858

358,793

(17,017)

(3.9)%

57,048

15.9%

Unallocated common shares held by the Employee Stock Ownership Plan ("ESOP")

(41,285)

(41,873)

(43,643)

588

(1.4)%

2,358

(5.4)%

Retained earnings

474,970

456,978

427,707

17,992

3.9%

47,263

11.1%

Accumulated other comprehensive loss

(7,962)

(5,633)

(6,142)

(2,329)

41.3%

(1,820)

29.6%

Total shareholders' equity

842,002

842,778

737,122

(776)

(0.1)%

104,880

14.2%

Total liabilities and shareholders' equity

7,446,880

7,226,649

5,226,618

220,231

3.0%

2,220,262

42.5%

NB BANCORP, INC.

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)

(Dollars in thousands, except share and per share data)

Three Months Ended June 30, 2026

For the Three Months Ended

Change From Three Months Ended

June 30, 2026

March 31, 2026

June 30, 2025

March 31, 2026

June 30, 2025

INTEREST AND DIVIDEND INCOME

Interest and fees on loans

106,574

100,042

74,719

6,532

6.5%

31,855

42.6%

Interest on securities

2,758

2,708

2,307

1.8%

451

19.5%

Interest and dividends on cash equivalents and other

2,460

2,936

2,822

(476)

(16.2)%

(362)

(12.8)%

Total interest and dividend income

111,792

105,686

79,848

6,106

5.8%

31,944

40.0%

INTEREST EXPENSE

Interest on deposits

40,686

39,579

31,690

1,107

2.8%

8,996

28.4%

Interest on borrowings

1,961

1,239

1,151

722

58.3%

810

70.4%

Total interest expense

42,647

40,818

32,841

1,829

4.5%

9,806

29.9%

NET INTEREST INCOME

69,145

64,868

47,007

4,277

6.6%

22,138

47.1%

PROVISION FOR CREDIT LOSSES

Provision for credit losses - loans

2,994

6,382

4,244

(3,388)

(53.1)%

(1,250)

(29.5)%

Provision for (release of) credit losses - unfunded commitments

199

(54)

(1,083)

253

468.5%

1,282

(118.4)%

Total provision for credit losses

3,193

6,328

3,161

(3,135)

(49.5)%

1.0%

NET INTEREST INCOME AFTER

PROVISION FOR CREDIT LOSSES

65,952

58,540

43,846

7,412

12.7%

22,106

50.4%

NONINTEREST INCOME

Customer service fees

3,681

3,131

2,554

550

17.6%

1,127

44.1%

Increase in cash surrender value of BOLI

962

853

787

109

12.8%

175

22.2%

Mortgage banking income

119

120

(27)

(22.7)%

(28)

(23.3)%

Swap contract income

201

524

(129)

(64.2)%

(452)

(86.3)%

Gain (loss) on sale of loans, net

227

(1)

228

22800.0%

206

981.0%

Other income

525

210

272

315

150.0%

253

93.0%

Total noninterest income

5,559

4,513

4,278

1,046

23.2%

1,281

29.9%

NONINTEREST EXPENSE

Salaries and employee benefits

25,549

25,468

18,567

0.3%

6,982

37.6%

Director and professional service fees

3,816

4,049

2,943

(233)

(5.8)%

873

29.7%

Occupancy and equipment expenses

2,468

2,491

1,465

(23)

(0.9)%

1,003

68.5%

Data processing expenses

4,899

4,439

2,493

460

10.4%

2,406

96.5%

Marketing and charitable contribution expenses

1,530

1,033

954

497

48.1%

576

60.4%

FDIC and state insurance assessments

1,584

1,152

883

432

37.5%

701

79.4%

General and administrative expenses

4,171

4,069

2,100

102

2.5%

2,071

98.6%

Total noninterest expense

44,017

42,701

29,405

1,316

3.1%

14,612

49.7%

INCOME BEFORE TAXES

27,494

20,352

18,719

7,142

35.1%

8,775

46.9%

INCOME TAX EXPENSE

6,371

5,368

4,140

1,003

18.7%

2,231

53.9%

NET INCOME

21,123

14,984

14,579

6,139

41.0%

6,544

44.9%

Weighted average common shares outstanding, basic

39,693,140

40,969,748

37,191,460

(1,276,608)

(3.1)%

2,501,680

6.7%

Weighted average common shares outstanding, diluted

40,000,305

41,421,002

37,550,409

(1,420,697)

(3.4)%

2,449,896

6.5%

Earnings per share, basic

0.53

0.37

0.39

0.16

43.2%

0.14

35.9%

Earnings per share, diluted

0.53

0.36

0.39

0.17

47.2%

0.14

35.9%

NB BANCORP, INC.

AVERAGE BALANCES, INTEREST EARNED/PAID & AVERAGE YIELDS

(Unaudited)

(Dollars in thousands)

For the Three Months Ended

June 30, 2026

March 31, 2026

June 30, 2025

Average

Outstanding

Average

Outstanding

Average

Outstanding

Average

Balance

Interest

Yield/Rate (4)

Balance

Interest

Yield/Rate (4)

Balance

Interest

Yield/Rate (4)

Interest-earning assets:

Loans (5)

6,377,025

106,574

6.70

6,090,227

100,042

6.66

4,479,479

74,719

6.69

Securities

279,196

2,758

3.96

273,308

2,708

4.02

232,812

2,307

3.97

Other investments (5)

34,301

612

7.16

28,275

265

3.80

28,525

605

8.51

Short-term investments (5)

237,667

1,848

3.12

295,394

2,671

3.67

200,524

2,217

4.43

Total interest-earning assets

6,928,189

111,792

6.47

6,687,204

105,686

6.41

4,941,340

79,848

6.48

Non-interest-earning assets

394,611

375,966

277,915

Allowance for credit losses

(81,276)

(88,102)

(39,931)

Total assets

7,241,524

6,975,068

5,179,324

Interest-bearing liabilities:

Savings accounts

210,544

324

0.62

207,681

263

0.51

119,736

134

0.45

NOW accounts

701,167

2,265

1.30

639,347

2,006

1.27

469,472

1,259

1.08

Money market accounts

1,699,366

12,783

3.02

1,711,672

12,732

3.02

1,090,163

9,062

3.33

Certificates of deposit and individual retirement accounts

2,595,290

25,314

3.91

2,497,213

24,578

3.99

1,964,678

21,235

4.34

Total interest-bearing deposits

5,206,367

40,686

3.13

5,055,913

39,579

3.17

3,644,049

31,690

3.49

FHLB borrowings

209,002

1,961

3.76

135,441

1,239

3.71

103,406

1,151

4.46

Total interest-bearing liabilities

5,415,369

42,647

3.16

5,191,354

40,818

3.19

3,747,455

32,841

3.52

Non-interest-bearing deposits

883,487

824,839

593,136

Other non-interest-bearing liabilities

98,225

97,370

93,063

Total liabilities

6,397,081

6,113,563

4,433,654

Shareholders' equity

844,443

861,505

745,670

Total liabilities and shareholders' equity

7,241,524

6,975,068

5,179,324

Net interest income

69,145

64,868

47,007

Net interest rate spread (1)

3.31

3.22

2.96

Net interest-earning assets (2)

1,512,820

1,495,850

1,193,885

Net interest margin (3)

4.00

3.93

3.82

Average interest-earning assets to interest-bearing liabilities

127.94

128.81

131.86

(1) Net interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average rate of interest-bearing liabilities.

(2) Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.

(3) Net interest margin represents net interest income divided by average total interest-earning assets.

(4) Annualized.

(5) Loans include loans held for sale, at fair value. Other investments are comprised of Federal Reserve Bank stock, FHLB stock and swap collateral accounts. Short-term investments are comprised of cash and cash equivalents.

NB BANCORP, INC.

COMMERCIAL REAL ESTATE BY COLLATERAL TYPE

(Unaudited)

(Dollars in thousands)

June 30, 2026

Owner-Occupied

Non-Owner-Occupied

Balance

Percentage

Multi-Family

—

567,722

20%

Industrial

185,270

163,112

348,382

13%

Office

44,635

291,110

335,745

12%

Hospitality

41,266

247,242

288,508

11%

Mixed-Use

22,408

225,392

247,800

Retail

126,323

109,201

235,524

Cannabis Facility

201,153

8,913

210,066

Special Purpose

84,655

69,837

154,492

Recreational Vehicle Parks

13,255

65,162

78,417

Self Storage Facilities

—

71,147

Other

87,282

64,164

151,446

Total commercial real estate

806,247

1,883,002

2,689,249

100%

Change From March 31, 2026

Change From June 30, 2025

Owner-Occupied

Non-Owner-Occupied

Balance

Percentage

Owner-Occupied

Non-Owner-Occupied

Balance

Percentage

Multi-Family

—

29,558

—

250,977

79%

Industrial

55,111

6,772

61,883

22%

98,479

50,105

148,584

74%

Office

2,706

(2,552)

154

18,478

110,801

129,279

63%

Hospitality

1,996

(11,711)

(9,715)

(3)%

41,266

75,083

116,349

68%

Mixed-Use

(922)

24,693

23,771

11%

14,765

65,014

79,779

47%

Retail

73,112

(5,164)

67,948

41%

86,769

22,358

109,127

86%

Cannabis Facility

(3,613)

(85)

(3,698)

(2)%

(54,604)

(6,185)

(60,789)

(22)%

Special Purpose

(2,298)

8,159

5,861

6,535

12,860

19,395

14%

Recreational Vehicle Parks

(125)

13,159

13,034

20%

13,255

65,162

78,417

100%

Self Storage Facilities

—

(16,443)

(19)%

—

71,147

100%

Other

38,079

15,791

53,870

55%

47,462

9,372

56,834

60%

Total commercial real estate

164,046

62,177

226,223

272,405

726,694

999,099

59%

March 31, 2026

June 30, 2025

Owner-Occupied

Non-Owner-Occupied

Balance

Percentage

Owner-Occupied

Non-Owner-Occupied

Balance

Percentage

Multi-Family

—

538,164

21%

—

316,745

19%

Industrial

130,159

156,340

286,499

12%

86,791

113,007

199,798

12%

Office

41,929

293,662

335,591

13%

26,157

180,309

206,466

12%

Hospitality

39,270

258,953

298,223

12%

—

172,159

10%

Mixed-Use

23,330

200,699

224,029

7,643

160,378

168,021

10%

Retail

53,211

114,365

167,576

39,554

86,843

126,397

Cannabis Facility

204,766

8,998

213,764

255,757

15,098

270,855

16%

Special Purpose

86,953

61,678

148,631

78,120

56,977

135,097

Recreational Vehicle Parks

13,380

52,003

65,383

—

Self Storage Facilities

—

87,590

—

Other

49,203

48,373

97,576

39,820

54,792

94,612

Total commercial real estate

642,201

1,820,825

2,463,026

100%

533,842

1,156,308

1,690,150

100%

NB BANCORP, INC.

NON-GAAP RECONCILIATION

(Unaudited)

(Dollars in thousands)

For the Three Months Ended

June 30, 2026

March 31, 2026

June 30, 2025

Net income (GAAP)

21,123

14,984

14,579

Add (Subtract):

Adjustments to net income:

Non-recurring fees for business line expansion

649

500

BOLI surrender tax and modified endowment contract penalty

Merger and acquisition expenses

296

534

530

Total adjustments to net income

972

1,084

594

Less net tax benefit associated with pre-tax non-GAAP adjustments to net income

218

277

130

Non-GAAP adjustments, net of tax

754

807

464

Operating net income (non-GAAP)

21,877

15,791

15,043

Weighted average common shares outstanding, basic

39,693,140

40,969,748

37,191,460

Weighted average common shares outstanding, diluted

40,000,305

41,421,002

37,550,409

Operating earnings per share, basic (non-GAAP)

0.55

0.39

0.40

Operating earnings per share, diluted (non-GAAP)

0.55

0.38

0.40

Pre-tax income (GAAP)

27,494

20,352

18,719

Add (Subtract):

Adjustments to pre-tax income:

Non-recurring fees for business line expansion

649

500

Merger and acquisition expenses

296

534

530

Total adjustments to pre-tax income

945

1,034

530

Operating pre-tax income (non-GAAP)

28,439

21,386

19,249

Net interest income (GAAP)

69,145

64,868

47,007

Subtract (Add):

Adjustments to net interest income:

Purchase accounting adjustments

1,972

1,623

Total impact of non-GAAP interest net income adjustments

1,972

1,623

Net interest income, excluding purchase accounting adjustments (non-GAAP)

67,173

63,245

47,007

Noninterest expense (GAAP)

44,017

42,701

29,405

Subtract (Add):

Adjustments to noninterest expense:

Non-recurring fees for business line expansion

649

500

Merger and acquisition expenses

296

534

530

Total impact of non-GAAP noninterest expense adjustments

945

1,034

530

Operating noninterest expense (non-GAAP)

43,072

41,667

28,875

Operating net income (non-GAAP)

21,877

15,791

15,043

Average assets

7,241,524

6,975,068

5,179,324

Operating return on average assets (non-GAAP)

1.21%

0.92%

1.16%

Average shareholders’ equity

844,443

861,505

745,670

Operating return on average shareholders' equity (non-GAAP)

10.39%

7.43%

8.09%

Operating noninterest expense (non-GAAP)

43,072

41,667

28,875

Total pre-provision net revenue (net interest income plus total noninterest income)

74,704

69,381

51,285

Operating efficiency ratio (non-GAAP)

57.66%

60.06%

56.30%

Income tax expense (GAAP)

6,371

5,368

4,140

Add (Subtract):

Adjustments to income tax expense:

Net tax benefit associated with pre-tax non-GAAP adjustments to net income

218

277

BOLI surrender tax and modified endowment contract penalty

(27)

(50)

(64)

Total impact of non-GAAP income tax expense adjustments

191

227

(64)

Operating income tax expense (non-GAAP)

6,562

5,595

4,076

Operating effective tax rate (non-GAAP)

23.1%

26.2%

21.2%

As of

June 30, 2026

March 31, 2026

June 30, 2025

Total shareholders’ equity (GAAP)

842,002

842,778

737,122

Subtract:

Intangible assets (core deposit intangible, net of tax and goodwill)

31,023

32,067

782

Total tangible shareholders’ equity (non-GAAP)

810,979

810,711

736,340

Total assets (GAAP)

7,446,880

7,226,649

5,226,618

Subtract:

Intangible assets (core deposit intangible, net of tax and goodwill)

31,023

32,067

782

Total tangible assets (non-GAAP)

7,415,857

7,194,582

5,225,836

Tangible shareholders' equity / tangible assets (non-GAAP)

10.94%

11.27%

14.09%

Total common shares outstanding

43,818,490

44,765,178

40,748,380

Tangible book value per share (non-GAAP)

18.51

18.11

18.07

NB BANCORP, INC.

ASSET QUALITY – NON-PERFORMING ASSETS (1)

(Unaudited)

(Dollars in thousands)

June 30, 2026

March 31, 2026

June 30, 2025

Real estate loans:

One-to-four-family residential

2,963

1,763

3,030

Home equity

1,547

1,673

1,368

Commercial real estate

957

394

1,984

Construction and land development

Commercial and industrial

20,446

38,885

4,558

Consumer

1,747

2,838

1,528

Total

27,660

45,563

12,478

Total non-performing loans to total loans

0.43%

0.73%

0.27%

Total non-performing PCD loans to total loans (2)

0.22%

0.49%

0.00%

Total non-performing non-PCD loans to total loans

0.21%

0.24%

0.27%

Total non-performing assets to total assets

0.37%

0.63%

0.24%

Total non-performing PCD assets to total assets

0.19%

0.42%

0.00%

Total non-performing non-PCD assets to total assets

0.18%

0.21%

0.24%

(1) Non-performing loans and assets are comprised of non-accrual loans.

(2) PCD loans were the result of the BankProv acquisition closed on 11/15/25 and did not exist prior to that date.

NB BANCORP, INC.

ASSET QUALITY – PROVISION, ALLOWANCE, AND NET (CHARGE-OFFS) RECOVERIES

(Unaudited)

(Dollars in thousands)

For the Three Months Ended

June 30, 2026

March 31, 2026

June 30, 2025

Allowance for credit losses at beginning of the period

80,195

87,411

38,338

Provision for credit losses

2,994

6,382

4,244

Charge-offs:

One-to-Four-Family Residential

—

(56)

—

Commercial & Industrial

(294)

(12,370)

—

Consumer

(2,081)

(1,409)

(1,190)

Commercial real estate

(10)

—

Total charge-offs

(2,385)

(13,835)

(1,190)

Recoveries of loans previously charged off:

Commercial and industrial

1,188

Commercial real estate

—

923

Consumer

225

274

Total recoveries

1,284

237

1,209

Net charge-offs

(1,101)

(13,598)

Allowance for credit losses at end of the period

82,088

80,195

42,601

Allowance to non-performing loans

297%

176%

341.4%

Allowance to total loans outstanding at the end of the period

1.28%

1.29%

0.94%

Annualized net charge-offs to average loans outstanding during the period

(0.07)%

(0.91)%

0.00%

Annualized net charge-offs to average loans outstanding during the period – PCD loans (1)

0.00%

(0.82)%

0.00%

Annualized net charge-offs to average loans outstanding during the period – Non-PCD loans

(0.07)%

(0.08)%

0.00%

(1) PCD loans were the result of the BankProv acquisition closed on 11/15/25 and did not exist prior to that date.

EX-99.2

Filename: nbbk-20260722xex99d2.htm · Sequence: 3

Exhibit 99.2

Statements in this press release that are not historical facts are forward-looking statements within the meaning of Section 27A of the

Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and are intended to be

covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. We may also make forward-looking

statements in other documents we file with the Securities and Exchange Commission (the “SEC”), in our annual reports to our

stockholders, in press releases and other written materials, and in oral statements made by our officers, directors or employees. You

can identify forward-looking statements by the use of the words “believe,” “expect,” “anticipate,” “intend,” “estimate,” “assume,”

“outlook,” “will,” “should,” and other expressions that predict or indicate future events and trends and which do not relate to

historical matters. Although the Company believes that these forward-looking statements are based on reasonable estimates and

assumptions, they are not guarantees of future performance and are subject to known and unknown risks, uncertainties, and other

factors. You should not place undue reliance on our forward-looking statements. You should exercise caution in interpreting and

relying on forward-looking statements because they are subject to significant risks, uncertainties and other factors which are, in some

cases, beyond the Company’s control. The Company’s actual results could differ materially from those projected in the forward-looking statements as a result of, among other factors, changes in general business and economic conditions on a national basis and in

the local markets in which the Company operates, including changes which adversely affect borrowers’ ability to service and repay

loans; changes in customer behavior due to political, business and economic conditions, including inflation and concerns about

liquidity; turbulence in the capital and debt markets; reductions in net interest income resulting from interest rate volatility as well as

changes in the balances and mix of loans and deposits; changes in interest rates and real estate values; changes in loan collectability

and increases in defaults and charge-off rates; decreases in the value of securities and other assets, adequacy of credit loss reserves, or

deposit levels necessitating increased borrowing to fund loans and investments; risks related to the Company’s acquisitions

generally, including disruption to current plans and operations; difficulties in customer and employee retention; fees, expenses and

charges related to these transactions being significantly higher than anticipated; unforeseen integration issues or impairment of other

intangibles; and the Company’s inability to achieve expected revenues, cost savings, synergies, and other benefits at levels or within

the timeframes originally anticipated; changing government regulation; competitive pressures from other financial institutions;

changes in legislation or regulation and accounting principles, policies and guidelines; cybersecurity incidents, fraud, natural

disasters, and future pandemics; the risk that the Company may not be successful in the implementation of its business strategy; the

risk that intangibles recorded in the Company’s financial statements will become impaired; changes in assumptions used in making

such forward-looking statements; and the other risks and uncertainties detailed in the Company’s Form 10-K and updated by our

Quarterly Report on Form 10-Q and other filings submitted to the SEC. These statements speak only as of the date of this release and

the Company does not undertake any obligation to update or revise any of these forward-looking statements to reflect events or

circumstances occurring after the date of this communication or to reflect the occurrence of unanticipated events.

NASDAQCM: NBBK

Headquartered: Needham, MA

IPO: December 2023; Raised

~$410M in gross proceeds

BankProv: Acquisition Closed

November 15, 2025

Fourth largest public community

bank headquartered in

Massachusetts

The “Builder’s Bank” with deep

community relationships and

extensive expertise

Full-service bank with an array of

commercial banking products for

retail and business customers

Founded in 1892 to help

businesses and customers build

their futures

Total

Assets

$7.5B

Total

Gross

Loans

$6.4B

Total

Deposits

$6.3B

Total

Equity

$842M

TCE/

10.94%²

Tier 1

Leverage

Ratio

11.26%¹

Tier 1

Capital

Ratio

11.95%¹

Total

Capital

Ratio

12.76%¹

Q2’26

Operating

ROAA

1.21%²

Q2’26

Operating

ROATCE

10.39%²

Q2’26

NIM

4.00%

Q2’26

Operating

Efficiency

Ratio

57.66%²

Balance Sheet

Profitability

Capital

1) Financials reflect regulatory holding company data; estimated prior to filing of call report

2) See Appendix for reconciliation of non-GAAP financial metrics

1) See Appendix for reconciliation of non-GAAP financial metrics

• Asset Growth in $M +44.4% • Deposits in $M +45.9% • YTD Operating EPS1

+261.5%

• Net Interest Margin +14.9% • Operating ROAA1

+40.3% • Share Price +111.3%

$4,333

$6,320

IPO Q2'26

$5,158

$7,447

IPO Q2'26

3.48%

4.00%

IPO Q2'26

0.86%

1.21%

IPO Q2'26

$10.00

$21.13

IPO Q2'26

$0.26

$0.94

IPO Q2'26

1) Excludes banks with total assets greater than $10 billion; FDIC deposit data as of June 30, 2025

Source: S&P Capital IQ Pro

Our branch network covers the metro-west area of Boston, southern New Hampshire and surrounding communities which are our

primary deposit market areas. We consider our primary lending market area to be the Greater Boston metropolitan area and surrounding

communities in Massachusetts, eastern Connecticut, southern New Hampshire and Rhode Island.

Boston-Cambridge-Newton, MA-NH MSA

Total Population: 5,065,382

‘26-’31 Proj. Pop. Change: 2.14%

Median HHI: $121,960

Proj. HHI Change: 12.10%

Manchester-Nashua, NH MSA

Total Population: 431,907

‘26-’31 Proj. Pop. Change: 1.40%

Median HHI: $113,649

Proj. HHI Change: 10.83%

Springfield

Manchester

Concord

Boston

Lowell

Plymouth

NBBK (18)

Keene

Gardner

Brockton

Pittsfield

Worcester

Gloucester

Dover

Boston MSA Community Bank Deposit Market Share¹

Total Deps.

2024 2025 in Market

Rank Rank Institution ($M)

2 1 Salem Five Bancorp 5,752

1 2 Cambridge Financial Group Inc. 5,410

3 3 NB Bancorp Inc. 5,246

4 4 Middlesex Bancorp MHC 4,755

6 5 Leader Bancorp Inc. 4,146

5 6 Charlesbridge MHC 4,019

7 7 IFS 1820 Bancorp MHC 3,261

9 8 Hometown Financial Group MHC 2,685

8 9 Northern Bancorp Inc. 2,669

11 10 River Run Bancorp MHC 2,294

All Other Market Participants 31,326

Market Total 71,564

Manchester MSA Community Bank Deposit Market Share¹ Total Deps.

2024 2025 in Market

Rank Rank Institution ($M)

1 1 Primary Bank 575

2 2 NB Bancorp Inc. 307

3 3 Bar Harbor Bankshares 248

4 4 BNH Financial 248

5 5 Millyard Bank 229

6 6 Bank of New England 111

9 7 Bangor Bancorp MHC 73

7 8 New Hampshire Mutual Bancorp 65

8 9 Lowell Five Bancorp MHC 63

11 10 Camden National Corp. 54

All Other Market Participants 54

Market Total 2,028

1) Excludes banks with total assets greater than $10 billion; FDIC deposit data as of June 30, 2025

Source: S&P Capital IQ Pro

Over the two-year period ended June 30, 2025 (latest market data available), each Needham Bank

branch experienced growth that matched or exceeded growth in its respective market. In aggregate,

Needham Bank achieved growth at over 5 times the overall market growth during this period.

Branch June 2023 - June 2025 NB Deposit Growth June 2023 - June 2025 Market Growth* NB Performance

Needham Main Office 15% 9% 168%

Ashland 47% 13% 373%

Dedham 36% 25% 146%

Dover 25% 26% 99%

Medfield 23% 1% 2106%

Medford Retail 140% 39% 361%

Millis 51% 27% 187%

Mission Hill** 111% 0% N/A

Natick 53% 4% 1497%

Wellesley** 23% -22% N/A

Westwood 33% 23% 144%

All NB Branches (Excludes BP) 30% 6% 504%

*Market Grow th Source: S&P Capital IQ

**Incalculable as market contracted or did not grow

Largest Employers Boston MSA 2026-2031 Projected HHI Δ

Massachusetts 2025 GDP by Industry Boston MSA Median HHI ($)

1) Other industries include accommodation and food services, waste management

and remediation services, educational services, management of companies,

transportation and warehousing, utilities, arts and entertainment.

Source: S&P Capital IQ Pro; U.S. Bureau of Economic Analysis; Massachusetts Department

of Economic Research

Real Estate &

Finance

22.8%

Professional

19.4%

Healthcare &

Education

12.1%

Government

8.5%

Retail Trade

4.4%

Entertainment

4.2%

Construction

3.8%

Transportation &

Warehousing

2.1%

Other

22.7%

Joseph Campanelli

Chairman, President & CEO

William Darcey

President & CEO – Provider

Insurance Group

Paul J. Ayoub

Chair – Nutter McClennen & Fish

LLP

Susan Elliott

Retired EVP – Federal Home

Loan Bank of Boston

Angela Jackson

CEO – Future Forward Strategies

Christopher Lynch

President – Marshall Resources

Joseph R. Nolan, Jr.

Chairman, President & CEO –

Eversource

Francis Orfanello

Lead Independent Director

Operating Partner – One Rock

Capital Partners

Hope Pascucci

President & Principal – Rose

Grove Capital Management

Raza Shaikh

Managing Director – Launchpad

Venture Group

Mark Whalen

Retired CEO – Needham Bank

Joseph

Campanelli

Chairman,

President & CEO

Christine

Roberts

SEVP & Chief

Operating Officer

James White

EVP & Chief Administrative

Officer

Paul Evangelista

EVP & Director of Consumer

Payments

Kevin Henkin

EVP & Chief Credit Officer

Stephanie Maiona

EVP, Director of Commercial

Real Estate

James Daley

EVP, Director Commercial and

Industrial

Executive Management Board of Directors

Lapointe

SEVP & Chief

Financial Officer

Kenneth Montgomery

Retired FVP, COO – Federal

Reserve Bank of Boston

Matt Richardson

EVP, Treasury & Cash

Management Services

Joseph Reilly

Former President & CEO –

Provident Bancorp, Inc. &

BankProv

Experienced management team and talent base to grow market share, invest for the future and serve the community

Focused on driving franchise value via relationship-based banking and active community involvement

History of consistent earnings through various market cycles

Excellent credit profile reflective of a diligent and conservative risk management culture

Prudent stewards of capital – committed to responsible lending, driving organic growth and investing in the future

Strong and stable deposit base with 130+ year history of banking in the communities served

Attractive markets of operation to continue generating core loans and deposits

• GAAP Net income of $21.1 million, or $0.53 per diluted share for the quarter. • Operating Net Income1 (Non-GAAP) of $21.9 million, or $0.55 per diluted share for the quarter. • Gross loans increased $213.0 million, or 3.4%, to $6.42 billion, from $6.21 billion in the prior

quarter; driven by growth in commercial real estate loans of $196.7 million, residential real estate

loans, which increased $45.2 million, or 3.4%, and multi-family residential loans, which increased

$29.6 million, or 5.5%, partially offset by mortgage warehouse loans, which decreased $59.5 million,

or 21.5%. • Net interest margin expanded 7 basis points to 4.00%, while net interest income increased 6.60%

during the quarter; primarily the result of increased average loan balances and increased weighted

average loan rates. Net intertest margin, excluding purchase accounting adjustments, expanded by 5

basis points to 3.87% during the current quarter from 3.82% in the prior quarter. • Asset quality remains strong: • Annualized Q2 2026 net charge-offs of 0.07% of average total loans and non-performing loans of $27.7

million, or 0.43% of total loans. • Significant reduction in net charge-offs and non-performing loans was a result of BankProv acquired

loans being charged off in the prior quarter and settling with no additional losses during the current

quarter. • Provision for credit losses was $3.2 million, down from a $6.3 million provision for credit losses in the

prior quarter, primarily from an $822 thousand recovery on a commercial and industrial loan, improved

qualitative factors on commercial real estate and multi-family loans and no downgrades in qualitative

factors, which existed in the prior quarter.

1) See Appendix for reconciliation of non-GAAP financial metrics

• Allowance for Credit Losses (“ACL”) increased by $1.9 million, or 2.4%, during the quarter, primarily driven by

loan growth. • Resulting in a consistent coverage ratio of 1.28% of total loans, compared to 1.29% in the prior quarter. • Total core deposits increased $73.1 million, or 1.3%, from the prior quarter, to $5.60 billion,

primarily driven by growth in noninterest-bearing demand deposits of $80.8 million, or 9.3%, NOW

accounts of $61.8 million, or 8.9%, partially offset by a decrease in money market accounts of $76.4

million, or 4.4%. • The loans to deposit ratio remained consistent at 102% during the quarter, as loan growth was

primarily funded with deposits. • Borrowings and brokered deposits totaled 12.1% of total assets, which is a 1.59% increase from the

prior quarter. • Strong capital position with 11.3% shareholders equity to total assets and 10.9% tangible

shareholders' equity to tangible assets¹. • Book value and tangible book value per share were $19.22 and $18.51¹, respectively. • One-time transactions recorded during the quarter included: • Non-recurring fees for business line expansion of $649 thousand ($499 thousand net of tax); and

• Trailing BankProv acquisition costs of $296 thousand ($227 thousand net of tax) related to the

completed BankProv acquisition that closed on November 15, 2025; • Tax expense and modified endowment contract penalty of $27 thousand related to the surrender of bank-owned life

insurance policies acquired from BankProv.

1) See Appendix for reconciliation of non-GAAP financial metrics

Total Deposits ($M) Tangible Common Equity ($M)

Total Assets ($M) Total Gross Loans ($M)

$2,923

$3,592

$4,533

$5,158

$7,001 $7,226 $7,447

2021 2022 2023 2024 2025 Q1'26 Q2'26

$2,105

$3,015

$3,889 $4,333

$5,986 $6,210 $6,423

2021 2022 2023 2024 2025 Q1'26 Q2'26

$2,565 $2,887 $3,387

$4,178

$5,854 $6,097 $6,320

2021 2022 2023 2024 2025 Q1'26 Q2'26

$326 $343

$757 $765 $826 $811 $811

2021 2022 2023 2024 2025 Q1'26 Q2'26

Operating Return on Avg. Tangible Common

Equity (%)1, 2 Operating Net Income ($M)1, 2

Operating Return on Average Assets (%)¹ Operating Return on Average Equity (%)¹

1) See Appendix for reconciliation of non-GAAP financial metrics

2) Q1 and Q2 ’26 operating net income reflects annualized totals

0.77%

0.96% 0.86% 0.95%

1.21%

0.92%

1.21%

2021 2022 2023 2024 2025 Q1'26 Q2'26

6.81%

9.06% 9.40%

6.09%

8.73%

7.43%

10.39%

2021 2022 2023 2024 2025 Q1'26 Q2'26

6.81%

9.08% 9.43%

6.10%

8.93% 7.72%

10.79%

2021 2022 2023 2024 2025 Q1'26 Q2'26

$21.6 $30.1 $34.3

$45.5

$66.2 $64.0

$87.7

2021 2022 2023 2024 2025 Q1'26 Q2'26

Operating Noninterest Income / Average Assets (%)¹ Operating Noninterest Expense / Average Assets (%)¹

Net Interest Margin (%) Operating Efficiency Ratio (%)¹

1) See Appendix for reconciliation of non-GAAP financial metrics

2.81%

3.49% 3.41% 3.53% 3.79% 3.93% 4.00%

2021 2022 2023 2024 2025 Q1'26 Q2'26

65.8%

62.3%

60.0%

58.2%

56.2%

60.1%

57.7%

2021 2022 2023 2024 2025 Q1'26 Q2'26

0.27% 0.26%

0.31%

0.28%

0.30%

0.26%

0.31%

2021 2022 2023 2024 2025 Q1'26 Q2'26

2.00%

2.28% 2.29% 2.12% 2.20% 2.42% 2.39%

2021 2022 2023 2024 2025 Q1'26 Q2'26

11.28%¹

17.41%²

13.59%² 13.00%² 12.76%²

2021 2022 2023 2024 2025 Q1'26 Q2'26

10.54%¹

16.51%²

12.83%² 12.19%² 11.95%²

2021 2022 2023 2024 2025 Q1'26 Q2'26

Tier 1 Capital Ratio (%) Total Capital Ratio (%)

Tangible Common Equity / Tangible Assets (%) Leverage Ratio (%)

1) Financials reflect indicative bank level call report data

2) Financials reflect indicative regulatory holding company data

Note: “NR” stands for “Not Reported” denoting the Bank’s election into the Community

Bank Leverage Ratio framework; See Appendix for reconciliation of non-GAAP financial

metrics

NR NR NR NR

11.16%²

9.54%²

16.70%²

14.82%²

11.85%² 11.27%² 10.94%²

2021 2022 2023 2024 2025 Q1'26 Q2'26

11.23%¹ 10.49%¹

17.71%²

15.29%²

13.28%²

11.68%² 11.26%²

2021 2022 2023 2024 2025 Q1'26 Q2'26

Note: Loan composition reflects regulatory holding company data

Q2’26 Yield on Loans: 6.70%

$6.43B

Q2’26 Total

Loan balances above are not shown net of deferred fees

Variable

Rate (%)

Fixed

Rate (%)

Wtd. Avg.

Maturity

(Yrs)

Wtd. Avg.

Rate

Loan Type Balance

Commercial $2,121,527 6.22% 9.6 18.7% 81.3%

Real Estate

1-4 Family (incl. $1,386,290 5.30% 25.8 42.5% 57.5%

HELOCs)

C&I $1,147,727 6.87% 7.1 27.1% 72.9%

Construction $765,659 7.57% 5.5 20.6% 79.4%

Multi-family $567,722 5.83% 14.7 3.4% 96.6%

$217,657 6.40% 0.1 0.0% 100.0%

Mortgage

Warehouse

Consumer $226,783 8.76% 10.6 98.8% 1.2%

Total Loans $6,433,365 6.27% 12.8 26.9% 73.1%

• Our $217.7 million mortgage warehouse lending portfolio, acquired from BankProv, consists of

facility lines to non-bank mortgage origination companies (“originators”).

o It is a national platform with relationships across the United States that offers Master

Repurchase Agreement facilities (“Facilities”) to independent originators, which allow them to

fund the closing of residential mortgage loans.

o Each Facility advance is fully collateralized, typically by a security interest in one- to four-family

residential mortgage loans and is further enhanced by deposit balances.

o The primary source of repayment of the facilities is the sale of the underlying mortgage loans to

outside investors, which typically occurs within 15 days, except for construction-to-permanent

loans, which generally take longer to sell due to the nature of the loan. These investors can

include Federal National Mortgage Association/Federal Home Loan Mortgage Corporation and

Government National Mortgage Association, as well as other large financial institutions. • The credit risk associated with this type of lending is the risk that the originators are unable to sell

the loans, which is very low. The entire portfolio is current as of June 30, 2026. • We approve facilities to originators by conducting a thorough due diligence review of the originator

and its ownership to assess their financial liquidity and regulatory risk profiles. We use a proprietary,

risk-based scoring model to underwrite the companies, which correlates to our internal loan risk

rating system and continually monitor originators’ performance through both internal and external

financial management and quality reviews.

• Our C&I portfolio as of June 30, 2026, includes a $129.6 million EV portfolio, acquired from

BankProv. The EV portfolio consists of loans and lines to entities collateralized by the cash flows and

underlying enterprise value of the borrowing entity. • This portfolio has loans across the country and is geographically disperse. • The balance of this portfolio as of the date of the BankProv acquisition was $207.0 million. The

portfolio has paid down $77.4 million in the short time since acquisition through June 30, 2026. As

of July 20, 2026, this portfolio has paid down further to $107.9 million. • The purchased-credit deteriorated EV loans charged off since acquisition amounted to $12.4

million and the Bank had $13.2 million in specific reserves against the charged-off loans. • The credit risk associated with this type of lending is the risk that the cash flows of the entity

significantly decrease and do not provide for the ability to repay the remaining balance of the loan. • Management monitors this portfolio very closely and has been in close contact with predominantly

all of the borrowing entities since acquisition. • Of the $42.3 million of purchase-credit deteriorated fair value credit marks recorded at acquisition,

$31.2 million related to the EV portfolio with $17.7 million remaining.

EV By Type

$129.6M

Q2’26 Total

EV Balance Trend

Construction & Development / Total Indicative Risk-Based Capital (%)¹

Commercial Real Estate / Total Indicative Risk-Based Capital (%)¹

1) Financials reflect regulatory holding company data

280% 277%

342%

187% 202%

305% 322% 327%

2020 2021 2022 2023 2024 2025 Q1'26 Q2'26

125% 129% 144%

79% 72% 89% 97% 94%

2020 2021 2022 2023 2024 2025 Q1'26 Q2'26

Owner-Occupied CRE By Collateral Type Non-Owner-Occupied CRE By Collateral Type

$806M

Q2’26 Total

$1.88B

Q2’26 Total

1) Includes commercial real estate and construction office loans

¹ • Our $373.3 million office portfolio consists principally of suburban Class A and B office space used as

medical and traditional offices. The portfolio does not consist of high-rise towers located in Boston.

$373M

Q2’26 Total

Office Portfolio as of 6/30/2026

Weighted Average

DSCR

Weighted Average

LTV

Weighted Average

Maturity (Yrs)

Weighted Average

Rate

5.96% 7.81 51.3% 1.75X

C&I By Type C&I By Geography

$1.15B

Q2’26 Total

$1.15B

Q2’26 Total

Construction By Type Construction By Geography

$766M

Q2’26 Total

$766M

Q2’26 Total

Amounts above exclude purchased premiums or discounts

Loan Type Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026

Purchased:

Solar $ 47,006 $ 45,678 $ 44,410 $ 43,080 $ 41,150

Loans Held for Sale - Boat Loans - - 63,447 63,971 59,927

Boat Loans 45,010 42,487 238 - - Home Improvement 40,042 37,753 35,832 34,084 32,426

Student Loans 6,139 5,768 5,455 5,029 4,702

Total Purchased Balance (incl.

LHFS) $ 138,197 $ 131,686 $ 149,382 $ 146,164 $ 138,205

Originated:

Auto Loans $ 55,589 $ 68,307 $ 75,560 $ 82,167 $ 88,735

Boat Loans 52,535 57,570 35,967 41,228 51,653

Other 7,385 5,696 6,035 5,773 6,537

Total Originated Balance $ 115,509 $ 131,573 $ 117,562 $ 129,168 $ 146,925

Net Charge Offs - Purchased

(3ME) $709 $458 $1,130 $385 $1,965

Net Charge Offs - Originated

(3ME) $207 $144 $8 $636 $20

$500

$1,000

$1,500

$2,000

$2,500

$3,000

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Balance (thousands)

Period

Overview of Purchased Consumer Loans

Net Charge Offs - Purchased (3ME) Net Charge Offs - Originated (3ME) Total Purchased Balance (incl. LHFS) Total Originated Balance

• As of June 30, 2026, we had outstanding loan balances of $542.5 million to cannabis businesses: • $374.2 million was direct to cannabis entities; • $168.2 million was indirect to cannabis entities; • Weighted average LTV and DSCR was 44.0.% and 3.11, respectively; and, • 74.03% of the total outstanding loans were collateralized by real estate, including 100% of the

direct cannabis loans

• As of June 30, 2026, the Company had $522.1 million in cannabis deposits

• $391.8 million in cannabis-direct and $130.3 million in cannabis-indirect

Cannabis Business Loans ($M) Cannabis Business Deposits ($M)

60.7% 61.8% 56.5%

68.8% 69.0%

39.3% 38.2% 43.5%

31.2%

31.0%

06/2025 09/2025 12/2025 03/2026 06/2026

Cannabis Direct Cannabis Indirect

$413.8M $408.9M

$466.8M $455.6M

$522.1M

06/2025 09/2025 12/2025 03/2026 06/2026

$6.0 $13.0 $10.8 $13.9 $7.5 $15.3 $13.2

$35.9

$30.3 14.5 $4.5 $8.3

2021 2022 2023 2024 2025 Q1'26 Q2'26

NBBK Nonaccruals ($M) BankProv Nonaccruals ($M) TDRs ($M) OREO ($M)

Reserves / Loans (%) & Reserves / NPLs (%)

NPA Trends

1) Financials reflect bank level call report data

2) Financials reflect regulatory holding company data

0.36%¹ 0.56%¹ 0.24%¹ 0.27%² NPAs / Assets 0.62%² 0.63%² 0.37%²

0.87% 0.83% 0.83% 0.89%

1.46%

1.29%

1.28%

175%

117%

298% 280%

201% 176%

297%

0.0%

100.0%

200.0%

300.0%

400.0%

0.50%

1.00%

1.50%

2.00%

2021 2022 2023 2024 2025 Q1'26 Q2'26

Reserves / Loans Reserves / NPLs

1) Reflects annualized metrics

Note: Values may not sum due to rounding

NCOs / Average Loans (%)¹

• Our loan portfolio consists primarily of commercial real estate and multifamily loans, one-to four-family residential real estate loans, construction and land development loans, commercial and

industrial loans, mortgage warehouse loans and consumer loans. These loans are primarily made to

individuals and businesses located in our primary lending market area, which is the Greater Boston

metropolitan area and surrounding communities in Massachusetts, Eastern Connecticut, Southern New

Hampshire and Rhode Island. • For the quarter ended June 30, 2026, the Company’s NCOs / Average Loans were primarily composed

of charge offs on purchased consumer loans.

0.16

0.00 0.10

0.22 0.18

0.91

0.07

(0.10%)

0.20%

0.50%

0.80%

2021 2022 2023 2024 2025 Q1'26 Q2'26

Note: Deposit composition reflects regulatory holding company data

Q2’26 Cost of Deposits: 2.68%

$6.32B

Q2’26 Total

Note: Deposit composition reflects regulatory holding company data

Cost of Deposits

1.03%

0.43% 0.48%

2.34%

3.28% 2.96% 2.73% 2.68%

0.00%

2.00%

4.00%

6.00%

2020 2021 2022 2023 2024 2025 Q1'26 Q2'26

Balance WAR Balance WAR Balance ($) Balance (%) WAR

Noninterest-bearing demand deposits $952,306 0.00% $871,343 0.00% $80,963 9.29% 0.00%

Savings accounts 212,936 0.65% 211,295 0.56% 1,641 0.78% 0.09%

NOW accounts 754,574 0.19% 692,821 0.17% 61,753 8.91% 0.02%

Money market accounts 1,666,729 3.04% 1,743,163 2.98% (76,434) -4.38% 0.06%

Customer CDs 2,014,693 3.87% 2,008,314 3.97% 6,379 0.32% -0.10%

Brokered CDs 718,852 3.97% 570,052 3.85% 148,800 26.10% 0.12%

$6,320,090 2.55% $6,096,988 2.53% $223,102 3.66% 0.02%

6/30/2026 3/31/2026 Change

($ in Thousands)

Note: Deposit composition reflects regulatory holding company data

Time Deposit Maturities ($M)

Brokered Deposit Maturities ($M)

3.92%

3.85%

3.88%

3.87%

3.68%

$200

$400

$600

$800

09/2026 12/2026 03/2027 06/2027 09/2027

3.98%

0.00% 0.00% 0.00% 0.00%

$200

$400

$600

$800

$1,000

09/2026 12/2026 03/2027 06/2027 09/2027

$272.6M

Q2’ 26 Total

Q2’ 26 Yield on Securities: 3.96%

At June 30, 2026

Change in Interest Rates Net Interest Income Year 1 Change

(bps) Year 1 Forecast ($000) From Level

+300 $290,250 5.6%

+200 $286,254 4.1%

+100 $281,644 2.5% -- $274,904 --

(100) $270,584 (1.6%)

(200) $267,636 (2.6%)

(300) $266,213 (3.2%)

As of June 30, 2026, the Company had: • $181.2 million of outstanding advances from the Federal

Home Loan Bank of Boston (“FHLBB”) • $718.9 million of brokered deposits

• $762.0 million of unused borrowing capacity with the

FHLBB

• $1.1 billion available with the Federal Reserve Bank’s

Borrower-in-Custody Program. • $1.1 billion of additional capacity for brokered deposits,

pursuant to internal liquidity policy stating that brokered

deposits can be up to 25.0% of total assets

77.1%

unused

capacity

FHLB Advances

4.6%

Brokered Deposits 18.3%

FHLB Unused Borrowing Capacity 19.4%

FED Available Borrowing Capacity 28.6%

Capacity for Additional Brokered Deposits 29.1%

% of Total Liquidity

pre-provision net revenue, operating net income, operating pre-tax income, net interest margin, excluding purchase accounting adjustments, operating noninterest expense, operating noninterest income, operating

effective tax rate, operating earnings per share, basic, operating earnings per share, diluted, operating return on average assets, operating return on average shareholders’ equity, operating efficiency ratio, tangible

shareholders’ equity, tangible assets and tangible book value per share. The Company’s management believes that the supplemental non-GAAP information is utilized by regulators and market analysts to evaluate a

Company’s financial condition and therefore, such information is useful to investors. These disclosures should not be viewed as a substitute for financial results determined in accordance with GAAP, nor are they

necessarily comparable to non-GAAP performance measures that may be presented by other companies. Because non-GAAP financial measures are not standardized, it may not be possible to compare these

financial measures with other companies’ non-GAAP financial measures having the same or similar names.

1) These amounts are reflected in income tax expense and reflect amounts related to

current year compensation and a write-down for future LTIP vesting amounts that are

not expected to be tax deductible on a tax return. These amounts are not included in

the calculation of the tax benefit associated with non-GAAP adjustments.

necessarily comparable to non-GAAP performance measures that may be presented by other companies. Because non-GAAP financial measures are not standardized, it may not be possible to compare these

financial measures with other companies’ non-GAAP financial measures having the same or similar names.

necessarily comparable to non-GAAP performance measures that may be presented by other companies. Because non-GAAP financial measures are not standardized, it may not be possible to compare these

financial measures with other companies’ non-GAAP financial measures having the same or similar names.

necessarily comparable to non-GAAP performance measures that may be presented by other companies. Because non-GAAP financial measures are not standardized, it may not be possible to compare these

financial measures with other companies’ non-GAAP financial measures having the same or similar names.

Joseph

Campanelli

Chairman,

President & CEO

Christine

Roberts

SEVP & Chief

Operating Officer

Lapointe

SEVP & Chief

Financial Officer

Mr. Campanelli has served as President and Chief Executive Officer of Needham Bank since joining the Bank in

January 2017 and was elected Chairman in 2022. Mr. Campanelli has over 40 years of banking experience in a

variety of senior and executive positions, including having served as the President and Chief Executive Officer of

Sovereign Bancorp, Inc. and its subsidiary Sovereign Bank as well as Chairman, President and Chief Executive

Officer of Flagstar Bancorp, Inc. and its subsidiary Flagstar Bank. Additionally, Mr. Campanelli has a long history of

community involvement, currently serving on the board of the Massachusetts Business Roundtable, Boys and Girls

Club of Boston and The One Hundred Club of Boston.

Ms. Roberts is Senior Executive Vice President and Chief Operating Officer of Needham Bank, a position she has held

since January 2025 when she joined Needham Bank. Prior to this, Ms. Roberts was Executive Vice President of

Citizens Pay at Citizens Bank since April 2022. Ms. Roberts had been employed at Citizens Bank since August 2012,

where she held positions of increasing responsibility across the institution.

Mr. Lapointe is Senior Executive Vice President and Chief Financial Officer, a position he has held since February

2024. Prior to this, Mr. Lapointe was the Chief Financial Officer of Northeast Bank from November 2017 until

February 2024. Prior to joining Northeast Bank, Mr. Lapointe served as a Senior Audit Manager at Wolf & Company,

P.C. in its external and internal audit practices, with a focus on the financial services sector from 2004 to 2017. Mr.

Lapointe is a certified public accountant registered in the Commonwealth of Massachusetts.

Kevin

Henkin

EVP & Chief

Credit Officer

Mr. Henkin is Executive Vice President and Chief Credit Officer of Needham Bank, a position he has held since April

2018. In this role, Mr. Henkin has primary responsibility for managing all aspects of the credit risk management

framework over the Bank’s lending operations. Mr. Henkin has over 30 years of banking experience, having served

at other financial institutions as well as running a bank consulting firm for three years at which Mr. Henkin

conducted external loan reviews, stress testing and due diligence for financial institutions.

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+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

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Balance Type:

Period Type:

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- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

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Namespace Prefix:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

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Namespace Prefix:

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- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

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Data Type:

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Balance Type:

Period Type:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

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