{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-007935","form_type":"8-K","ticker":"NECB","cik":"0001847398","company_name":"NorthEast Community Bancorp, Inc./MD/","filed_at":"2025-01-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.268637+00:00","generated_at":"2026-05-27T04:49:14.713598+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"NECB Q4 net income $10.9M ($0.80 diluted); full year EPS $3.58","bullets":["Q4 net income $10.9M ($0.80 diluted) vs $12.1M ($0.82 diluted) in Q4 2023.","Full year net income $47.8M ($3.58 diluted) vs $46.3M ($3.32 diluted) in 2023.","Net loans grew 14.3% to $1.8B; deposits up 19.3% to $1.7B.","Net interest margin declined to 5.29% (Q4) and 5.62% (FY) from 6.06% and 6.41% a year ago.","Non-performing assets low at 0.25% of total assets; credit loss expense reduction $260K for year."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-007935","json":"https://secwatch.observer/filing/0001104659-25-007935.json","markdown":"https://secwatch.observer/filing/0001104659-25-007935.md","text":"https://secwatch.observer/filing/0001104659-25-007935.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1847398/000110465925007935/0001104659-25-007935-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1847398/000110465925007935/tm254961d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T04:49:14.713598+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"}