NorthEast Community Bancorp, Inc./MD/
For the period ended Jan 28, 2026. Filed Jan 30, 2026.
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Jan 28, 2026 · Filed Jan 30, 2026
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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
| Year Ended December 31, 2025 | Year Ended December 31, 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 | $1,805,645 | $149,624 | 8.29% | $1,701,079 | $153,902 | 9.05% |
| Securities | 39,311 | 1,082 | 2.75% | 34,765 | 839 | 2.41% |
| Federal Home Loan Bank stock | 580 | 42 | 7.24% | 677 | 70 | 10.34% |
| Other interest-earning assets | 71,763 | 3,370 | 4.70% | 92,610 | 5,202 | 5.62% |
| Total interest-earning assets | 1,917,299 | 154,118 | 8.04% | 1,829,131 | 160,013 | 8.75% |
| Allowance for credit losses | (4,856) | (4,940) | ||||
| Non-interest-earning assets | 93,183 | 90,675 | ||||
| Total assets | $2,005,626 | $1,914,866 | ||||
| Interest-bearing demand deposit | $292,998 | $9,881 | 3.37% | $209,993 | $8,498 | 4.05% |
| Savings and club accounts | 136,894 | 2,942 | 2.15% | 154,430 | 3,799 | 2.46% |
| Certificates of deposit | 858,115 | 36,895 | 4.30% | 917,665 | 43,322 | 4.72% |
| Total interest-bearing deposits | 1,288,007 | 49,718 | 3.86% | 1,282,088 | 55,619 | 4.34% |
| Borrowed money | 83,933 | 3,664 | 4.37% | 33,117 | 1,602 | 4.84% |
| Total interest-bearing liabilities | 1,371,940 | 53,382 | 3.89% | 1,315,205 | 57,221 | 4.35% |
| Non-interest-bearing demand deposit | 274,033 | 277,957 | ||||
| Other non-interest-bearing liabilities | 21,194 | 19,739 | ||||
| Total liabilities | 1,667,167 | 1,612,901 | ||||
| Equity | 338,459 | 301,965 | ||||
| Total liabilities and equity | $2,005,626 | $1,914,866 | ||||
| Net interest income / interest spread | $100,736 | 4.15% | $102,792 | 4.40% | ||
| Net interest rate margin | 5.25% | 5.62% | ||||
| Net interest earning assets | $545,359 | $513,926 | ||||
| Average interest-earning assets to interest-bearing liabilities | 139.75% | 139.08% | ||||
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