NorthEast Community Bancorp, Inc./MD/ (NECB) Form 8-K — Oct 23, 2026

Key figures

Eps

$0.81 basic / $0.79 diluted for Q3 2026; $2.31 basic / $2.25 diluted for nine months

Revenue

$26.1 million net interest income for Q3 2026 (total interest income $38.7 million)

Net Income

$10.7 million for Q3 2026 (vs $11.9 million Q3 2025); $30.4 million for nine months (vs $33.6 million)

Total Debt

$0 borrowings at September 30, 2026 (down from $70.0 million)

Revenue Yoy

Net interest income +0.6% YoY for Q3; -0.5% for nine months

Total Assets

$2.2 billion ($2,216.0 million)

Cash Position

$72.6 million cash and equivalents at September 30, 2026

Shares Outstanding

13766631

Net loans

$2.0 billion (+8.6% from Dec 31, 2025)

Total deposits

$1.8 billion (+12.5% from Dec 31, 2025)

Efficiency ratio q3

41.50%

Stockholders equity

$370.7 million (16.73% of assets)

Tier1 leverage ratio

16.79%

Non performing assets

$17.4 million (0.79% of assets) vs $0 at Dec 31, 2025

Q3 repurchase program

239,894 shares repurchased for $5.6 million under 1,400,435-share (10%) authorization

Net interest margin q3

5.09% (vs 5.38% Q3 2025)

Return on avg assets q3

2.00%

Return on avg equity q3

11.54%

Unfunded loan commitments

$763 million

Allowance for credit losses

$4.7 million (0.23% of loans)

Total risk based capital ratio

15.15%

Construction commitment growth yoy

18.2%