MEDIUMBuilt-inLoan_portfolio
40.7%
commercial real estate and multifamily loans
“10-K Item 1: 'At December 31, 2025, our total loan portfolio was comprised of $2.44 billion, or 40.7%, of commercial real estate and multifamily loans...'”
NBBK · Concentration risk · 10-K extracted
NB Bancorp (NBBK) concentration risks
Updated
The most significant concentration NB Bancorp discloses is commercial real estate and multifamily loans at 40.7%, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: NB Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 1 disclosed concentration
HIGH0
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06NB Bancorp's loan book carries a notable concentration in commercial real estate and multifamily lending: as of December 31, 2025, these categories together comprised $2.44 billion, or 40.7%, of the bank's total loan portfolio — a moderate-size structural exposure. This ties the bank's asset quality to the health of commercial and multifamily real estate specifically, including property valuations, occupancy, and refinancing conditions within its lending markets, rather than to any single borrower or customer relationship. As a structural rather than dependency-type exposure, the risk here is macro-cyclical: it would take broader stress in commercial real estate and multifamily fundamentals, rather than an idiosyncratic event at one counterparty, to meaningfully affect credit performance. With no other concentration claims disclosed in the reviewed sources, this loan-mix concentration is the primary factor to weigh for NB Bancorp — a common feature among community and regional banks with similar CRE/multifamily-weighted books, and one that at a moderate rather than high disclosed size represents a real but not extreme lean in the portfolio relative to peers with heavier concentrations in this space.
For the engine’s reasoning on NBBK’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| NBBK● | NB Bancorp, Inc. | 0 | 1 | 0 | 1 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.