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Northeast Community Bancorp
Northeast Community Bancorp (NECB) investor relations material
Northeast Community Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Net income for Q4 2025 was $10.8 million ($0.81 basic EPS), up from $10.2 million ($0.78 basic EPS) in Q4 2024; full-year 2025 net income was $44.4 million ($3.35 basic EPS), down from $47.1 million ($3.58 basic EPS) in 2024.
Loan demand remained strong, with outstanding unfunded commitments exceeding $680 million at year-end 2025.
Asset quality improved, with no non-performing loans or assets at December 31, 2025, compared to $5.1 million in non-performing assets a year earlier.
Stockholders' equity increased by $33.4 million (10.5%) to $351.7 million, representing 17.04% of total assets.
Leadership changes included the retirement of a long-serving director and the appointment of a new director.
Financial highlights
Total assets grew by $53.9 million (2.7%) to $2.1 billion at year-end 2025.
Net interest income for Q4 2025 was $25.5 million, up 0.6% year-over-year; full-year net interest income was $100.7 million, down 2.0%.
Net interest margin for Q4 2025 was 5.18% (down from 5.29%); full-year margin was 5.25% (down from 5.62%).
Non-interest income for Q4 2025 rose to $987,000 (up 562%); full-year non-interest income was $4.1 million (up 47%).
Non-interest expense for Q4 2025 increased 12.8% to $11.2 million; full-year non-interest expense rose 9.2% to $42.7 million.
Effective tax rate for 2025 was 28.7% (up from 28.4%).
Outlook and guidance
Management expects continued strong loan demand, especially in construction and multi-family lending.
Forward-looking statements caution about risks from interest rates, economic conditions, and regulatory changes.
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Next Northeast Community Bancorp earnings date
Q1 202622 Apr, 2026
Northeast Community Bancorp
Next Northeast Community Bancorp earnings date
Q1 202622 Apr, 2026
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Frequently asked questions
Northeast Community Bancorp, Inc. (NECB) is the holding company for NorthEast Community Bank, a community-oriented financial institution. The bank offers a wide range of financial services for both individuals and businesses, focusing on attracting deposits and investing these funds primarily in mortgage and commercial loans. Its services include various deposit products such as checking and savings accounts, money market accounts, certificates of deposit, and more. The company is headquartered in White Plains, New York, and its shares are listed on the NASDAQ.
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