{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-008167","form_type":"8-K","ticker":"NECB","cik":"0001847398","company_name":"NorthEast Community Bancorp, Inc./MD/","filed_at":"2026-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.522206+00:00","generated_at":"2026-05-16T06:06:01.172417+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"NECB Q4 net income rises to $10.8M; full year net income down; board change","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-008167","json":"https://secwatch.observer/filing/0001104659-26-008167.json","markdown":"https://secwatch.observer/filing/0001104659-26-008167.md","text":"https://secwatch.observer/filing/0001104659-26-008167.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1847398/000110465926008167/0001104659-26-008167-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1847398/000110465926008167/tm264425d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:06:01.172417+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"}