{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-087139","form_type":"8-K","ticker":"NECB","cik":"0001847398","company_name":"NorthEast Community Bancorp, Inc./MD/","filed_at":"2026-07-27T21:06:30+00:00","discovered_at":"2026-07-27T21:08:00.268928+00:00","generated_at":"2026-07-27T21:08:29.322022+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"NECB Q2 net income falls to $9.8M ($0.72 diluted) from $11.2M; NIM down 21 bps","bullets":["Net income $9.8M vs $11.2M YoY; diluted EPS $0.72 vs $0.82.","Net interest margin 5.14% vs 5.35%; net interest income $24.7M, down 1.7%.","Credit loss expense $860K vs $0; charge-offs $520K on a C&I loan.","Construction loan commitments up 38.9% YoY; total loans net $1.9B (+3.2%).","Deposits down 5% as brokered CDs cut $129M; borrowings up 171% to $190M."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-087139","json":"https://secwatch.observer/filing/0001104659-26-087139.json","markdown":"https://secwatch.observer/filing/0001104659-26-087139.md","text":"https://secwatch.observer/filing/0001104659-26-087139.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1847398/000110465926087139/0001104659-26-087139-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1847398/000110465926087139/tm2621324d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-27T21:08:29.322022+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"}