---
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"
generated_at: "2026-05-16T06:06:01.172417+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-008167
- JSON: https://secwatch.observer/filing/0001104659-26-008167.json
- Plain text: https://secwatch.observer/filing/0001104659-26-008167.txt

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