NECB Q4 net income rises to $10.8M; full year net income down; board change

NorthEast Community Bancorp, Inc./MD/

2025-FY EPS reported $3.25

Q4 2025 net income $10.8M ($0.81 basic, $0.79 diluted) vs $10.2M ($0.78/$0.75) YoY.
Full year net income $44.4M ($3.35 basic, $3.25 diluted) vs $47.1M ($3.58/$3.52) YoY.
Net interest margin 5.18% for Q4 vs 5.29% prior year; full year NIM 5.25% vs 5.62%.
No non-performing assets at Dec 2025 (0.00%) vs $5.1M (0.25%) at Dec 2024; ACL 0.25% of loans.
Linda Swan retired as director Jan 20, 2026; Lynette Bennett appointed Jan 22, 2026.

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