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 · SELECTED CONSOLIDATED FINANCIAL DATA
SELECTED CONSOLIDATED FINANCIAL DATA
| Quarter Ended December 31, · Year Ended December 31, | ||||||
|---|---|---|---|---|---|---|
| 2025 · 2024 · 2025 · 2024 | ||||||
| (In thousands, except per share amounts) · (In thousands, except per share amounts) | ||||||
| Per share data: | ||||||
| Earnings per share - basic | $0.81 | $0.78 | $3.35 | $3.58 | ||
| Earnings per share - diluted | 0.79 | 0.75 | 3.25 | 3.52 | ||
| Weighted average shares outstanding - basic | 13,297 | 13,132 | 13,261 | 13,136 | ||
| Weighted average shares outstanding - diluted | 13,670 | 13,582 | 13,659 | 13,359 | ||
| Performance ratios/data: | ||||||
| Return on average total assets | 2.11% | 2.04% | 2.21% | 2.46% | ||
| Return on average shareholders' equity | 12.32% | 12.90% | 13.12% | 15.59% | ||
| Net interest income | $25,458 | $25,298 | $100,736 | $102,792 | ||
| Net interest margin | 5.18% | 5.29% | 5.25% | 5.62% | ||
| Efficiency ratio | 42.31% | 38.99% | 40.70% | 37.00% | ||
| Net charge-off ratio | 0.01% | 0.28% | 0.04% | 0.08% | ||
| Loan portfolio composition: | December 31, 2025 | December 31, 2024 | ||||
| One-to-four family | $3,114 | $3,472 | ||||
| Multi-family | 306,508 | 206,606 | ||||
| Mixed-use | 25,197 | 26,571 | ||||
| Total residential real estate | 334,819 | 236,649 | ||||
| Non-residential real estate | 38,463 | 29,446 | ||||
| Construction | 1,336,329 | 1,426,167 | ||||
| Commercial and industrial | 150,397 | 118,736 | ||||
| Consumer | 58 | 1,649 | ||||
| Gross loans | 1,860,066 | 1,812,647 | ||||
| Deferred loan (fees) costs, net | 268 | (49) | ||||
| Total loans | $1,860,334 | $1,812,598 | ||||
| Asset quality data: | ||||||
| Loans past due over 90 days and still accruing | $ | - | $ | - | ||
| Non-accrual loans | - | - | ||||
| OREO property | - | 5,120 | ||||
| Total non-performing assets | $ | - | $5,120 | |||
| Allowance for credit losses to total loans | 0.25% | 0.27% | ||||
| Allowance for credit losses to non-performing loans | 0.00% | 0.00% | ||||
| Non-performing loans to total loans | 0.00% | 0.00% | ||||
| Non-performing assets to total assets | 0.00% | 0.25% | ||||
| Bank's Regulatory Capital ratios: | ||||||
| Total capital to risk-weighted assets | 15.62% | 13.92% | ||||
| Common equity tier 1 capital to risk-weighted assets | 15.36% | 13.65% | ||||
| Tier 1 capital to risk-weighted assets | 15.36% | 13.65% | ||||
| Tier 1 leverage ratio | 16.39% | 14.44% | ||||
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