---
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"
generated_at: "2026-05-27T04:49:14.713598+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# NECB Q4 net income $10.9M ($0.80 diluted); full year EPS $3.58

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-007935
- JSON: https://secwatch.observer/filing/0001104659-25-007935.json
- Plain text: https://secwatch.observer/filing/0001104659-25-007935.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.