NorthEast Community Bancorp, Inc./MD/
For the period ended Apr 29, 2026. Filed Apr 30, 2026.
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Apr 29, 2026 · Filed Apr 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 March 31, 2026 | Quarter Ended March 31, 2025 | |||||
|---|---|---|---|---|---|---|
| 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 | $1,828,106 | $35,042 | 7.67% | $1,767,849 | $36,882 | 8.35% |
| Securities | 45,092 | 319 | 2.83% | 36,751 | 235 | 2.56% |
| Federal Home Loan Bank stock | 410 | 6 | 5.85% | 397 | 9 | 9.07% |
| Other interest-earning assets | 60,090 | 602 | 4.01% | 93,476 | 1,081 | 4.63% |
| Total interest-earning assets | 1,933,698 | 35,969 | 7.44% | 1,898,473 | 38,207 | 8.05% |
| Allowance for credit losses | (4,731) | (4,827) | ||||
| Non-interest-earning assets | 91,211 | 96,493 | ||||
| Total assets | $2,020,178 | $1,990,139 | ||||
| Interest-bearing demand deposit | $322,529 | $2,453 | 3.04% | $274,630 | $2,445 | 3.56% |
| Savings and club accounts | 135,826 | 670 | 1.97% | 138,903 | 730 | 2.10% |
| Certificates of deposit | 858,274 | 8,279 | 3.86% | 962,084 | 10,758 | 4.47% |
| Total interest-bearing deposits | 1,316,629 | 11,402 | 3.46% | 1,375,617 | 13,933 | 4.05% |
| Borrowed money | 49,064 | 433 | 3.53% | - | 10 | - |
| Total interest-bearing liabilities | 1,365,693 | 11,835 | 3.47% | 1,375,617 | 13,943 | 4.05% |
| Non-interest-bearing demand deposit | 274,984 | 270,874 | ||||
| Other non-interest-bearing liabilities | 21,990 | 18,086 | ||||
| Total liabilities | 1,662,667 | 1,664,577 | ||||
| Equity | 357,511 | 325,562 | ||||
| Total liabilities and equity | $2,020,178 | $1,990,139 | ||||
| Net interest income / interest spread | $24,134 | 3.97% | $24,264 | 4.00% | ||
| Net interest rate margin | 4.99% | 5.11% | ||||
| Net interest earning assets | $568,005 | $522,856 | ||||
| Average interest-earning assets to interest-bearing liabilities | 141.59% | 138.01% | ||||
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