NorthEast Community Bancorp, Inc./MD/
For the period ended Jul 24, 2025. Filed Jul 25, 2025.
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Jul 24, 2025 · Filed Jul 25, 2025
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NECB$29.01+0.0%Stored close · as of Nov 6, 2026
Contents
EX-99.1 · NET INTEREST MARGIN ANALYSIS
NET INTEREST MARGIN ANALYSIS
| Three Months Ended June 30, 2025 | Three Months Ended June 30, 2024 | |||||
|---|---|---|---|---|---|---|
| Average | Interest | Average | Average | Interest | Average | |
| Balance | and dividend | Yield | Balance | and dividend | Yield | |
| (In thousands, except yield/cost information) · (In thousands, except yield/cost information) | ||||||
| Loan receivable gross | $1,754,363 | $36,740 | 8.38% | $1,687,029 | $38,634 | 9.16% |
| Securities | 37,839 | 265 | 2.80% | 33,438 | 199 | 2.38% |
| Federal Home Loan Bank stock | 438 | 7 | 6.39% | 704 | 19 | 10.80% |
| Other interest-earning assets | 83,135 | 1,027 | 4.94% | 89,736 | 1,385 | 6.17% |
| Total interest-earning assets | 1,875,775 | 38,039 | 8.11% | 1,810,907 | 40,237 | 8.89% |
| Allowance for credit losses | (5,122) | (4,927) | ||||
| Non-interest-earning assets | 95,651 | 91,085 | ||||
| Total assets | $1,966,304 | $1,897,065 | ||||
| Interest-bearing demand deposit | $298,689 | $2,401 | 3.22% | $205,536 | $1,930 | 3.76% |
| Savings and club accounts | 141,238 | 761 | 2.16% | 158,292 | 982 | 2.48% |
| Certificates of deposit | 815,000 | 8,891 | 4.36% | 884,626 | 10,523 | 4.76% |
| Total interest-bearing deposits | 1,254,927 | 12,053 | 3.84% | 1,248,454 | 13,435 | 4.30% |
| Borrowed money | 82,712 | 912 | 4.41% | 47,276 | 580 | 4.91% |
| Total interest-bearing liabilities | 1,337,639 | 12,965 | 3.88% | 1,295,730 | 14,015 | 4.33% |
| Non-interest-bearing demand deposit | 274,466 | 285,368 | ||||
| Other non-interest-bearing liabilities | 20,114 | 19,641 | ||||
| Total liabilities | 1,632,219 | 1,600,739 | ||||
| Equity | 334,085 | 296,326 | ||||
| Total liabilities and equity | $1,966,304 | $1,897,065 | ||||
| Net interest income / interest spread | $25,074 | 4.23% | $26,222 | 4.56% | ||
| Net interest rate margin | 5.35% | 5.79% | ||||
| Net interest earning assets | $538,136 | $515,177 | ||||
| Average interest-earning assets to interest-bearing liabilities | 140.23% | 139.76% | ||||
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