NorthEast Community Bancorp, Inc./MD/
For the period ended Oct 23, 2025. Filed Oct 24, 2025.
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Oct 23, 2025 · Filed Oct 24, 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 September 30, 2025 | Three Months Ended September 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 | $1,826,726 | $38,281 | 8.38% | $1,717,875 | $39,484 | 9.19% |
| Securities | 39,901 | 275 | 2.76% | 34,920 | 212 | 2.43% |
| Federal Home Loan Bank stock | 1,070 | 7 | 2.62% | 712 | 15 | 8.43% |
| Other interest-earning assets | 61,177 | 716 | 4.68% | 98,903 | 1,472 | 5.95% |
| Total interest-earning assets | 1,928,874 | 39,279 | 8.15% | 1,852,410 | 41,183 | 8.89% |
| Allowance for credit losses | (4,724) | (4,914) | ||||
| Non-interest-earning assets | 91,219 | 90,313 | ||||
| Total assets | $2,015,369 | $1,937,809 | ||||
| Interest-bearing demand deposit | $298,408 | $2,559 | 3.43% | $228,975 | $2,423 | 4.23% |
| Savings and club accounts | 134,258 | 730 | 2.17% | 140,047 | 848 | 2.42% |
| Certificates of deposit | 807,285 | 8,640 | 4.28% | 946,290 | 11,359 | 4.80% |
| Total interest-bearing deposits | 1,239,951 | 11,929 | 3.85% | 1,315,312 | 14,630 | 4.45% |
| Borrowed money | 125,346 | 1,411 | 4.50% | 23,603 | 267 | 4.52% |
| Total interest-bearing liabilities | 1,365,297 | 13,340 | 3.91% | 1,338,915 | 14,897 | 4.45% |
| Non-interest-bearing demand deposit | 284,100 | 271,207 | ||||
| Other non-interest-bearing liabilities | 23,046 | 19,758 | ||||
| Total liabilities | 1,672,443 | 1,629,880 | ||||
| Equity | 342,926 | 307,929 | ||||
| Total liabilities and equity | $2,015,369 | $1,937,809 | ||||
| Net interest income / interest spread | $25,939 | 4.24% | $26,286 | 4.44% | ||
| Net interest rate margin | 5.38% | 5.68% | ||||
| Net interest earning assets | $563,577 | $513,495 | ||||
| Average interest-earning assets to interest-bearing liabilities | 141.28% | 138.35% | ||||
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