GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

NBBK · Mar 31, 2026

NB Bancorp, Inc.. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]

Inspectable configuration

State dimensions

Filing0001104659-26-057822Bank

Sequential deposit growth67thOwn-history percentile · N=9

Evidence method

Sequential · gp.financial.deposits

4.16% · CORE · VALID

Net-income growthRAWCurrent state valid · history insufficient

Evidence method

Yoy · gp.fundamentals.net_income

18.40% · CORE · NOT_ENOUGH_HISTORY

Interest-income growthRAWCurrent state valid · history insufficient

Evidence method

Yoy · gp.financial.interest_income

37.52% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalents90thOwn-history percentile · N=10

Evidence method

Level · gp.fundamentals.cash

$375.4M · CORE · VALID

Sequential loan growth78thOwn-history percentile · N=9

Evidence method

Sequential · gp.financial.loans

3.92% · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History11 statesHistory building

Dec 31, 20230/3 normalizedLevel 3 Mar 31, 20240/3 normalizedLevel 3 Jun 30, 20240/3 normalizedLevel 3 Sep 30, 20240/5 normalizedLevel 3 Dec 31, 20240/5 normalizedLevel 3 Mar 31, 20250/5 normalizedLevel 3 Jun 30, 20250/5 normalizedLevel 3 Sep 30, 20251/5 normalizedLevel 3 Dec 31, 20253/5 normalizedLevel 3 Mar 31, 20263/5 normalizedLevel 3 Jun 30, 20263/5 normalizedLevel 3

Period transition

What moved in the state?

Deposit Growth Decreased

Previous: 28.21%
Current: 4.16%
Delta: -24.05%

Earnings Growth Decreased

Previous: 19.34%
Current: 18.40%
Delta: -0.94%

Interest Income Growth Increased

Previous: 14.78%
Current: 37.52%
Delta: 22.74%

Liquidity Decreased

Previous: $407.6M
Current: $375.4M
Delta: -$32.2M

Loan Growth Decreased

Previous: 26.23%
Current: 3.92%
Delta: -22.31%

Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.

Research Graph

Related governed research

Transitioned To · NBBK Fundamental State →Transitioned To · NBBK DEPOSIT_GROWTH_DECREASED →Transitioned To · NBBK EARNINGS_GROWTH_DECREASED →Transitioned To · NBBK INTEREST_INCOME_GROWTH_INCREASED →Transitioned To · NBBK LIQUIDITY_DECREASED →Transitioned To · NBBK LOAN_GROWTH_DECREASED →

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.