{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-22-013926","form_type":"8-K","ticker":"NECB","cik":"0001847398","company_name":"NorthEast Community Bancorp, Inc./MD/","filed_at":"2022-02-08T23:59:59+00:00","discovered_at":"2026-05-14T18:04:08.825699+00:00","generated_at":"2026-06-27T10:16:52.726621+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"NECB Q4 net income up 19.8% to $4.2M; full-year impacted by $3.6M write-off","bullets":["Q4 net income $4.2M ($0.27/diluted) vs $3.5M ($0.22) YoY, up 19.8% driven by higher net interest income.","Full-year 2021 net income $11.9M ($0.75/diluted) compared to $12.3M ($0.76) in 2020; includes $3.6M Q3 write-off on a non-residential bridge loan.","Net interest income rose 13.9% in Q4 to $11.7M; net interest margin was 4.32% vs 4.64% in Q4 2020.","Non-performing assets fell to 0.16% of total assets at Dec 2021, from 0.58% a year earlier; allowance for loan losses 0.54% of total loans.","Total assets grew 26.5% to $1.2B; stockholders' equity increased 63.4% to $251.4M primarily from second-step conversion."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-22-013926","json":"https://secwatch.observer/filing/0001104659-22-013926.json","markdown":"https://secwatch.observer/filing/0001104659-22-013926.md","text":"https://secwatch.observer/filing/0001104659-22-013926.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1847398/000110465922013926/0001104659-22-013926-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1847398/000110465922013926/tm225760d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T10:16:52.726621+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}