{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-037348","form_type":"8-K","ticker":"NECB","cik":"0001847398","company_name":"NorthEast Community Bancorp, Inc./MD/","filed_at":"2025-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.126366+00:00","generated_at":"2026-05-23T09:31:08.380247+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"NECB Q1 net income $10.6M, EPS $0.78 vs $0.86 YoY; NIM slips to 5.11%","bullets":["Net income $10.6M ($0.78 diluted) vs $11.4M ($0.86) in Q1'24; ROAA 2.12%.","Net interest margin fell 64bps to 5.11%; net interest income $24.3M (-2.9% YoY).","Total loans down 4.8% to $1.7B; construction paydowns offset by $170.1M in new originations.","No non-performing loans (0 NPLs); NPAs $5.1M (0.26% of assets) from two foreclosed properties.","Second buyback program repurchased 1.09M shares at $17.2M; equity up 2.8% to $327.2M."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-037348","json":"https://secwatch.observer/filing/0001104659-25-037348.json","markdown":"https://secwatch.observer/filing/0001104659-25-037348.md","text":"https://secwatch.observer/filing/0001104659-25-037348.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1847398/000110465925037348/0001104659-25-037348-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1847398/000110465925037348/tm2512806d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T09:31:08.380247+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"}