---
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"
generated_at: "2026-05-18T01:18:00.234078+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# NorthEast Community Bancorp Q2 net income $11.2M, down 12% YoY; NIM compresses 44 bps

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/1847398/000110465925070676/0001104659-25-070676-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1847398/000110465925070676/tm2521665d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-070676
- JSON: https://secwatch.observer/filing/0001104659-25-070676.json
- Plain text: https://secwatch.observer/filing/0001104659-25-070676.txt

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