NorthEast Community Bancorp, Inc./MD/

Capital

The Company’s total stockholders’ equity to assets ratio was 17.04% as of December 31, 2025. At December 31, 2025, the Company had the ability to borrow $768.8 million from the Federal Reserve Bank of New York, $35.8 million from the Federal Home Loan Bank of New York, and $8.0 million from Atlantic Community Bankers Bank.

The Bank’s capital position remains strong relative to current regulatory requirements and the Bank is considered a well-capitalized institution under the Prompt Corrective Action framework. As of December 31, 2025, the Bank had a tier 1 leverage capital ratio of 16.39% and a total risk-based capital ratio of 15.62%.

The Company completed its first stock repurchase program on April 14, 2023 whereby the Company repurchased 1,637,794 shares, or 10%, of the Company’s issued and outstanding common stock. The cost of the first stock repurchase program totaled $23.0 million, including commission costs and Federal excise taxes.

The Company commenced its second stock repurchase program on May 30, 2023 whereby the Company was to repurchase 1,509,218, or 10%, of the Company’s issued and outstanding common stock. The Company terminated its second stock repurchase program on December 31, 2024 whereby the Company had repurchased 1,091,174, or 7.2% of the Company’s issued and outstanding common stock at the commencement of the second stock repurchase program. The cost of the second repurchase program totaled $17.2 million, including commission costs and Federal excise taxes.

The Company commenced its third stock repurchase program on December 10, 2025 whereby the Company will repurchase 1,400,435, or 10%, of the Company’s issued and outstanding common stock. As of December 31, 2025, the Company had repurchased 40,924 shares of common stock under its third repurchase program, at a cost of $938,000, including commission costs.