{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-102108","form_type":"8-K","ticker":"NECB","cik":"0001847398","company_name":"NorthEast Community Bancorp, Inc./MD/","filed_at":"2025-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.788551+00:00","generated_at":"2026-05-17T02:21:58.423941+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"NECB Q3 net income $11.9M ($0.87 diluted), down from $12.7M; strong asset quality","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-102108","json":"https://secwatch.observer/filing/0001104659-25-102108.json","markdown":"https://secwatch.observer/filing/0001104659-25-102108.md","text":"https://secwatch.observer/filing/0001104659-25-102108.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1847398/000110465925102108/0001104659-25-102108-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1847398/000110465925102108/tm2529391d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:21:58.423941+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"}