Welcome to our dedicated page for Northeast Cmnty Bancorp SEC filings (Ticker: NECB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
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Donald S. Hom, EVP and CFO of NorthEast Community Bancorp (NECB), reported a sale of 1,000 common shares on 08/13/2025 at $22.045, leaving 7,759 shares directly owned. The filing also discloses indirect holdings of 12,889 shares via an ESOP, 10,952 via an IRA, and 19,960 from stock awards.
The report shows significant long-term incentive exposure: 82,164 shares underlying stock options exercisable beginning 11/17/2023 and expiring 11/17/2032, with stock awards vesting in roughly five equal annual installments commencing 11/17/2023. The explanations state increases reflect exempt acquisitions pursuant to Rule 16b-3(c).
NorthEast Community Bancorp (NECB) filed its Q2-25 Form 10-Q. Total assets fell 1.8% YTD to $1.97 billion while deposits contracted 11.4% to $1.48 billion, prompting new Federal Reserve and FHLB borrowings of $135 million. Tier 1 leverage remains strong at 15.87% and CET1/RWA at 14.71%, comfortably above the 鈥渨ell-capitalized鈥� thresholds.
Income statement: For the quarter, net interest income slipped 4.4% YoY to $25.1 million as funding costs outpaced asset yields; net interest margin pressure drove a 12.7% decline in net income to $11.2 million (EPS basic $0.85, diluted $0.82). Six-month net income fell 10.1% to $21.7 million (diluted EPS $1.60). The provision remained minimal (nil in Q2; $0.24 million YTD) and credit quality stable, with ACL/loans at 0.26% and no individually evaluated impairments.
Balance-sheet trends: Construction loans鈥擭ECB鈥檚 core product鈥攄eclined $103 million to $1.32 billion, partly offset by multifamily growth. Borrowings replaced deposit runoff, lifting interest expense 7.5% YoY to $13.0 million. Equity rose 5.8% YTD to $336.7 million on retained earnings, driving tangible book value to roughly $24.0 per share. The board maintained a $0.20 quarterly dividend (payout ~24% of YTD earnings).
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