NECB Q3 net income $11.9M ($0.87 diluted), down from $12.7M; strong asset quality

NorthEast Community Bancorp, Inc./MD/

2025-Q3 EPS reported $2.47

Net income Q3 2025: $11.9M ($0.87 diluted) vs $12.7M ($0.95) YoY; 9M 2025: $33.6M ($2.47) vs $36.9M ($2.78).
Net interest margin narrowed to 5.38% from 5.68%; net interest income $25.9M vs $26.3M.
Loans grew $61.2M to $1.9B; deposits fell $155M to $1.5B; borrowings initiated $170M.
Non-performing assets at 0.03% of total assets; no non-performing loans; allowance 0.25% of loans.
ROAA 2.35%, ROAE 13.84%, efficiency ratio 38.40%; Bank ranked #1 for sub-$5B banks by Bank Director.

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