---
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"
generated_at: "2026-05-23T09:31:08.380247+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# NECB Q1 net income $10.6M, EPS $0.78 vs $0.86 YoY; NIM slips to 5.11%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/1847398/000110465925037348/0001104659-25-037348-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1847398/000110465925037348/tm2512806d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-037348
- JSON: https://secwatch.observer/filing/0001104659-25-037348.json
- Plain text: https://secwatch.observer/filing/0001104659-25-037348.txt

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