NB Bancorp, Inc. (NBBK) Balance Sheet
NBBK balance sheet, FY2025
September 30, 2025 · U.S. dollars$7.01B assets = $6.15B liabilities + $858.9M equity
Both columns are drawn to the same scale: what NBBK owns equals what it owes plus shareholders’ equity. Hover a block for its value.
NBBK financial health
Descriptive bands, not a rating. Fiscal FY2025.
NBBK balance sheet trends, FY2021–FY2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $2.92BFY2021 | $7.01BFY2025 | +24.4%/yr | |
| Total liabilities | $2.60BFY2021 | $6.15BFY2025 | +24.0%/yr | |
| Shareholders’ equity | $326.1MFY2021 | $858.9MFY2025 | +27.4%/yr | |
| Cash & short-term investments | $716.9MFY2021 | $594.7MFY2025 | −4.6%/yr | |
| Total debt | $256,000FY2021 | $196.2MFY2025 | +426.2%/yr | |
| Net cash (debt) | $716.7MFY2021 | $398.4MFY2025 | −$318.2M | |
| Working capital | −$1.84BFY2021 | $6.58BFY2025 | +$8.4B | |
| Book value per share | $7.64FY2021 | $20.86FY2025 | +28.6%/yr | |
| Debt / equity | 0.00FY2021 | 0.23FY2025 | +0.23 | |
| Shares outstanding | 42.7MFY2021 | 41.2MFY2025 | −0.9%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
NBBK assets
NBBK liabilities and equity
NBBK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
NBBK balance sheet
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|
| Assets | |||||
| Cash & short-term investments | $594.7M | $305.1M | $279.9M | $376.6M | $716.9M |
| Cash & equivalents | $325.7M | $211.2M | $90.5M | $131.1M | $457.2M |
| Short-term investments | $269.0M | $93.9M | $189.5M | $245.5M | $259.8M |
| Receivables | $6.01B | $19.7M | $17.3M | $15.0M | $7.5M |
| Inventory | $0 | $0 | −$289.9M | −$171.5M | −$474.6M |
| Other current assets | $0 | $0 | $289.9M | $228.7M | $501.0M |
| Total current assets | $6.61B | $324.8M | $297.2M | $448.7M | $750.9M |
| Property, plant & equipment (net) | $46.2M | $34.7M | $35.5M | $35.3M | $29.2M |
| Goodwill & intangible assets | $36.1M | $1.1M | $0 | $0 | $0 |
| Long-term investments | $302.7M | $252.6M | $203.2M | $256.1M | $264.0M |
| Other non-current assets | $14.9M | $4.54B | $4.00B | $2.85B | $1.88B |
| Total assets | $7.01B | $5.16B | $4.53B | $3.59B | $2.92B |
| Liabilities | |||||
| Short-term debt | — | $100.0M | $283.3M | $293.8M | $164,000 |
| Total current liabilities | $21.5M | $4.28B | $3.47B | $2.94B | $2.59B |
| Long-term debt | $27.3M | $20.8M | $283.3M | $293.1M | $256,000 |
| Other long-term liabilities | $6.10B | $89.5M | $19.2M | $12.0M | $7.9M |
| Total liabilities | $6.15B | $4.39B | $3.78B | $3.25B | $2.60B |
| Shareholders' equity | |||||
| Common stock & paid-in capital | $458,000 | $427,000 | $427,000 | — | — |
| Retained earnings (deficit) | $445.2M | $400.5M | $366.2M | $358.5M | $328.4M |
| Accumulated other comprehensive income | −$3.1M | −$8.2M | −$11.9M | −$14.4M | −$2.3M |
| Total shareholders' equity | $858.9M | $765.2M | $758.0M | $344.1M | $326.1M |
| Key figures | |||||
| Total debt | $196.2M | $120.8M | $283.3M | $293.1M | $256,000 |
| Net cash (debt) | $398.4M | $184.3M | −$3.4M | $83.5M | $716.7M |
| Working capital | $6.58B | −$3.96B | −$3.18B | −$2.49B | −$1.84B |
| Tangible book value | $822.8M | $764.1M | $758.0M | $344.1M | $326.1M |
| Book value per share | $20.86 | $19.43 | $18.04 | $8.06 | $7.64 |
| Shares outstanding | 41.2M | 39.4M | 42.0M | 42.7M | 42.7M |
| Current ratio | 306.98 | 0.08 | 0.09 | 0.15 | 0.29 |
| Quick ratio | 306.98 | 0.08 | 0.09 | 0.13 | 0.28 |
| Debt / equity | 0.23 | 0.16 | 0.37 | 0.85 | 0.00 |
| Equity / assets | 12.3% | 14.8% | 16.7% | 9.6% | 11.2% |
| Sep '26 | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $545.6M | $672.8M | $605.0M | $594.7M | $296.6M | $222.1M | $256.9M | $305.1M | $350.7M | $375.3M | $370.8M | $279.9M |
| Cash & equivalents | $266.1M | $400.2M | $327.7M | $325.7M | $197.5M | $157.1M | $201.1M | $211.2M | $148.2M | $170.3M | $163.7M | $90.5M |
| Short-term investments | $279.5M | $272.6M | $277.2M | $269.0M | $99.1M | $65.0M | $55.8M | $93.9M | $202.5M | $205.1M | $207.2M | $189.5M |
| Receivables | $30.0M | $28.9M | $6.24B | $6.01B | $21.1M | $20.4M | $19.5M | $19.7M | $18.7M | $19.0M | $17.8M | $17.3M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$4.62B | −$347.9M | −$332.9M | −$289.9M |
| Other current assets | $55.9M | $129.2M | $0 | $0 | $0 | $0 | $0 | $0 | $4.62B | $347.9M | $332.9M | $289.9M |
| Total current assets | $631.5M | $830.8M | $6.84B | $6.61B | $317.7M | $242.5M | $276.5M | $324.8M | $369.4M | $394.3M | $388.7M | $297.2M |
| Property, plant & equipment (net) | $51.1M | $49.3M | $47.3M | $46.2M | $33.8M | $34.3M | $34.1M | $34.7M | $34.8M | $35.3M | $35.1M | $35.5M |
| Goodwill & intangible assets | $33.1M | $36.0M | $36.9M | $36.1M | $0 | $0 | $0 | $1.1M | $0 | $0 | $0 | $0 |
| Long-term investments | $0 | $104.3M | $101.6M | $302.7M | $275.6M | $271.2M | $259.4M | $252.6M | $208.2M | $221.1M | $220.8M | $203.2M |
| Other non-current assets | $6.97B | $6.43B | $198.6M | $14.9M | $4.82B | $4.68B | $4.67B | $4.54B | $4.39B | $4.15B | $4.01B | $4.00B |
| Total assets | $7.68B | $7.45B | $7.23B | $7.01B | $5.44B | $5.23B | $5.24B | $5.16B | $5.00B | $4.81B | $4.65B | $4.53B |
| Liabilities | ||||||||||||
| Short-term debt | — | $181.2M | — | — | — | — | — | $100.0M | — | — | — | $283.3M |
| Total current liabilities | $6.53B | $6.51B | $6.10B | $21.5M | $4.57B | $4.27B | $4.33B | $4.28B | $4.05B | $3.92B | $3.78B | $3.47B |
| Long-term debt | $0 | $181.2M | $189.7M | $27.3M | $41.5M | $127.6M | $90.8M | $20.8M | $116.3M | $60.8M | $60.8M | $283.3M |
| Other long-term liabilities | $300.3M | $0 | $92.1M | $6.12B | $93.7M | $89.7M | $80.6M | $89.5M | $91.6M | $78.2M | $79.0M | $19.2M |
| Total liabilities | $6.83B | $6.60B | $6.38B | $6.15B | $4.71B | $4.49B | $4.50B | $4.39B | $4.26B | $4.06B | $3.92B | $3.78B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $438,000 | $438,000 | −$41.9M | $458,000 | $398,000 | $407,000 | $406,000 | $427,000 | $427,000 | $427,000 | $427,000 | $427,000 |
| Retained earnings (deficit) | $495.1M | $475.0M | $457.0M | $445.2M | $440.3M | $427.7M | $413.1M | $400.5M | $382.6M | $384.3M | $374.9M | $366.2M |
| Accumulated other comprehensive income | −$15.4M | −$8.0M | −$5.6M | −$3.1M | −$3.1M | −$6.1M | −$6.5M | −$8.2M | −$7.1M | −$11.1M | −$11.7M | −$11.9M |
| Total shareholders' equity | $857.4M | $842.0M | $842.8M | $858.9M | $737.0M | $737.1M | $739.6M | $765.2M | $747.4M | $744.5M | $733.8M | $758.0M |
| Key figures | ||||||||||||
| Total debt | $150.3M | $181.2M | $189.7M | $196.2M | $41.5M | $127.6M | $90.8M | $120.8M | $116.3M | $60.8M | $60.8M | $283.3M |
| Net cash (debt) | $395.3M | $491.5M | $415.3M | $398.4M | $255.2M | $94.5M | $166.1M | $184.3M | $234.4M | $314.5M | $310.0M | −$3.4M |
| Working capital | −$5.89B | −$5.67B | $740.2M | $6.58B | −$4.25B | −$4.03B | −$4.05B | −$3.96B | −$3.68B | −$3.53B | −$3.39B | −$3.18B |
| Tangible book value | $824.3M | $806.0M | $805.9M | $822.8M | $737.0M | $737.1M | $739.6M | $764.1M | $747.4M | $744.5M | $733.8M | $758.0M |
| Book value per share | $21.52 | $20.33 | $20.35 | $20.86 | $20.72 | $19.63 | $19.08 | $19.43 | $19.02 | $18.95 | $18.49 | $17.75 |
| Shares outstanding | 39.8M | 41.4M | 41.4M | 41.2M | 35.6M | 37.5M | 38.8M | 39.4M | 39.3M | 39.3M | 39.7M | 42.7M |
| Current ratio | 0.10 | 0.13 | 1.12 | 306.98 | 0.07 | 0.06 | 0.06 | 0.08 | 0.09 | 0.10 | 0.10 | 0.09 |
| Quick ratio | 0.09 | 0.11 | 1.12 | 306.98 | 0.07 | 0.06 | 0.06 | 0.08 | 0.09 | 0.10 | 0.10 | 0.09 |
| Debt / equity | 0.18 | 0.22 | 0.23 | 0.23 | 0.06 | 0.17 | 0.12 | 0.16 | 0.16 | 0.08 | 0.08 | 0.37 |
| Equity / assets | 11.2% | 11.3% | 11.7% | 12.3% | 13.5% | 14.1% | 14.1% | 14.8% | 14.9% | 15.5% | 15.8% | 16.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 3, 2026); data from EODHD.
NBBK financial position
At the end of fiscal 2025 (September 30, 2025), NB Bancorp had total assets of $7.0 billion (up 35.8% from a year earlier), total liabilities of $6.1 billion and shareholders' equity of $858.9 million. It held $594.7 million in cash and short-term investments against $196.2 million of debt, a net cash position of $398.4 million. Its current ratio was 306.98. In the latest quarter (ended September 30, 2026) total assets were $7.7 billion and equity $857.4 million.
Related: NBBK income statement, NBBK cash flow statement, NBBK key metrics. See the NBBK stock overview for the latest quote and news.
NBBK balance sheet FAQ
What are NB Bancorp's total assets?
NB Bancorp reported total assets of $7.0 billion at the end of fiscal 2025 (September 30, 2025), compared with $5.2 billion a year earlier.
How much debt does NB Bancorp have?
NB Bancorp had $196.2 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.23.
How much cash does NB Bancorp have?
NB Bancorp held $594.7 million in cash and short-term investments at the end of fiscal 2025; with $196.2 million of debt that is net cash of $398.4 million.
What is NB Bancorp's book value?
NB Bancorp's shareholders' equity (book value) was $858.9 million at the end of fiscal 2025, or $20.86 per share.
What is NB Bancorp's current ratio?
NB Bancorp had current assets of $6.6 billion and current liabilities of $21.5 million, a current ratio of 306.98 (it can cover its short-term obligations).
How much goodwill does NB Bancorp have?
NB Bancorp carried $36.1 million of goodwill and intangible assets, 0.5% of total assets, at the end of fiscal 2025.