{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-022616","form_type":"8-K/A","ticker":"NECB","cik":"0001847398","company_name":"NorthEast Community Bancorp, Inc./MD/","filed_at":"2025-03-11T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.268412+00:00","generated_at":"2026-05-24T23:57:29.073550+00:00","sec_items":["2.02","9.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"NECB charges off $1.0M loan after borrower fraud; reduces Q4 net income by $717K","bullets":["Borrower pleaded guilty to federal loan fraud; bail revoked on additional charges, now incarcerated.","$1.0M C&I loan fully charged off as of Dec 31, 2024; loan was performing at year-end.","Charge-off reduces Q4 net income by $717K ($0.04 EPS) via $1.0M provision increase and $283K tax benefit.","Total loans decreased by $1.0M; stockholders' equity down $717K; updated financials in Exhibit 99.1.","Management discussed with auditor S.R. Snodgrass and Board; company pursuing remedies."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-022616","json":"https://secwatch.observer/filing/0001104659-25-022616.json","markdown":"https://secwatch.observer/filing/0001104659-25-022616.md","text":"https://secwatch.observer/filing/0001104659-25-022616.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1847398/000110465925022616/0001104659-25-022616-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1847398/000110465925022616/tm258804d1_8ka.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-24T23:57:29.073550+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"}