10-Q quarterly report · filed Nov 7, 2025

NorthEast Community Bancorp, Inc./MD/ (NECB) Q3 2025 10-Q Quarterly Report

Short answer

NorthEast Community Bancorp, Inc./MD/ (NECB) filed its Q3 2025 10-Q quarterly report on Nov 7, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $39M (down 4.6% year over year) with net income of $12M.

Q3 2025 key financials · XBRL

Revenue
$39M
−4.6% YoY · +3.3% QoQ
Net income
$12M
−6.5% YoY · +6.2% QoQ
EPS (diluted)
$0.87
−8.4% YoY · +6.1% QoQ

Source: XBRL data from the NorthEast Community Bancorp, Inc./MD/ (NECB) Q3 2025 10-Q on SEC EDGAR. USD.

NorthEast Community Bancorp, Inc./MD/ Q3 2025 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Q3 net interest income $25.9M, down 1.3% YoY from $26.3M
  • Net interest margin 5.38% vs 5.68% YoY
  • Net income $11.9M, down 6.5% from $12.7M
  • Cash and equivalents $64.3M, down 17.8% from $78.3M at December 31, 2024
  • Loans increased $61.2M to $1.9B, led by multifamily loans up $91.8M

Risk Factors

  • No material changes to risk factors as of September 30, 2025 versus the December 31, 2024 Form 10-K
  • Carried-forward regulatory, legal, and compliance risks unchanged from the 2024 Form 10-K
  • Carried-forward operational, competitive, and market risks unchanged from the 2024 Form 10-K
  • Carried-forward liquidity, debt, currency, and concentration risks unchanged from the 2024 Form 10-K

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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