---
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"
generated_at: "2026-05-17T02:21:58.423941+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-102108
- JSON: https://secwatch.observer/filing/0001104659-25-102108.json
- Plain text: https://secwatch.observer/filing/0001104659-25-102108.txt

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