{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-070676","form_type":"8-K","ticker":"NECB","cik":"0001847398","company_name":"NorthEast Community Bancorp, Inc./MD/","filed_at":"2025-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:45.335008+00:00","generated_at":"2026-05-18T01:18:00.234078+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"NorthEast Community Bancorp Q2 net income $11.2M, down 12% YoY; NIM compresses 44 bps","bullets":["Net income of $11.2M ($0.82 diluted) vs $12.8M ($0.97) in Q2 2024; H1 income $21.7M vs $24.2M.","Net interest margin fell to 5.35% from 5.79% due to 100 bps of Fed rate cuts; yield on earning assets down 78 bps.","Deposits decreased $191.2M (11.5%) to $1.5B; borrowings added $135.0M to diversify funding.","Non-performing assets improved to $767k from $5.1M; no non-performing loans and NPA/assets ratio 0.04%.","Unfunded loan commitments exceeded $636M; strong demand in construction and cooperative building loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-070676","json":"https://secwatch.observer/filing/0001104659-25-070676.json","markdown":"https://secwatch.observer/filing/0001104659-25-070676.md","text":"https://secwatch.observer/filing/0001104659-25-070676.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1847398/000110465925070676/0001104659-25-070676-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1847398/000110465925070676/tm2521665d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T01:18:00.234078+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"}