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
| Quarter Ended December 31, 2025 | Quarter 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 | $1,872,265 | $37,721 | 8.06% | $1,784,920 | $39,081 | 8.76% |
| Securities | 42,679 | 307 | 2.88% | 36,817 | 232 | 2.52% |
| Federal Home Loan Bank stock | 410 | 19 | 18.54% | 455 | 15 | 13.19% |
| Other interest-earning assets | 49,861 | 546 | 4.38% | 90,279 | 1,144 | 5.07% |
| Total interest-earning assets | 1,965,215 | 38,593 | 7.86% | 1,912,471 | 40,472 | 8.46% |
| Allowance for credit losses | (4,748) | (4,833) | ||||
| Non-interest-earning assets | 89,461 | 92,422 | ||||
| Total assets | $2,049,928 | $2,000,060 | ||||
| Interest-bearing demand deposit | $299,928 | $2,476 | 3.30% | $233,112 | $2,198 | 3.77% |
| Savings and club accounts | 133,267 | 721 | 2.16% | 137,295 | 767 | 2.23% |
| Certificates of deposit | 849,881 | 8,606 | 4.05% | 1,026,433 | 12,195 | 4.75% |
| Total interest-bearing deposits | 1,283,076 | 11,803 | 3.68% | 1,396,840 | 15,160 | 4.34% |
| Borrowed money | 125,839 | 1,332 | 4.23% | 1,293 | 14 | 4.33% |
| Total interest-bearing liabilities | 1,408,915 | 13,135 | 3.73% | 1,398,133 | 15,174 | 4.34% |
| Non-interest-bearing demand deposit | 266,628 | 263,711 | ||||
| Other non-interest-bearing liabilities | 23,445 | 21,428 | ||||
| Total liabilities | 1,698,988 | 1,683,272 | ||||
| Equity | 350,940 | 316,788 | ||||
| Total liabilities and equity | $2,049,928 | $2,000,060 | ||||
| Net interest income / interest spread | $25,458 | 4.13% | $25,298 | 4.12% | ||
| Net interest rate margin | 5.18% | 5.29% | ||||
| Net interest earning assets | $556,300 | $514,338 | ||||
| Average interest-earning assets to interest-bearing liabilities | 139.48% | 136.79% | ||||
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