NB Bancorp, Inc. – Investor Bank Meeting Presentation

NB Bancorp, Inc. made available a slide presentation on May 21, 2026, for an investor bank meeting scheduled for June 2, 2026. The presentation includes information on the Company's operations and financial performance. Key financial highlights for Q1 2026 include GAAP Net income of $15.0 million ($0.36/share) and Operating Net Income of $15.8 million ($0.38/share). Gross loans increased by 3.7% to $6.21 billion, driven by commercial and industrial loans. Net interest margin expanded to 3.94%. Asset quality remains strong with net charge-offs at 0.91% of average total loans and non-performing loans at 0.73% of total loans. Total core deposits increased by 3.9% to $5.53 billion. The Company maintains a strong capital position with an 11.7% shareholders' equity to total assets ratio. The presentation also details the loan portfolio composition, including commercial real estate, multifamily, C&I, and construction loans, as well as consumer loans and a significant focus on cannabis-related businesses. Financial performance trends and capital ratios from 2021 to Q1 2026 are provided, along with a reconciliation of GAAP and non-GAAP financial measures. The leadership team and investment highlights are also presented.