---
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"
generated_at: "2026-07-27T21:08:29.322022+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# NECB Q2 net income falls to $9.8M ($0.72 diluted) from $11.2M; NIM down 21 bps

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-087139
- JSON: https://secwatch.observer/filing/0001104659-26-087139.json
- Plain text: https://secwatch.observer/filing/0001104659-26-087139.txt

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