Exhibit 99.1 NECB Earnings Press Release for 12/31/2025: NORTHEAST COMMUNITY BANCORP, INC. REPORTS RESULTS FOR THE QUARTER AND YEAR ENDED DECEMBER 31, 2025 White Plains, New York, January 28, 2026 – NorthEast Community Bancorp, Inc. (Nasdaq: NECB) (the "Company"), the parent holding company of NorthEast Community Bank (the "Bank"), reported net income of $10.8 million, or $0.81 per basic share and $0.79 per diluted share, for the quarter ended December 31, 2025 compared to net income of $10.2 million, or $0 ...

分组1 - Northeast Community Bancorp (NECB) reported quarterly earnings of $0.79 per share, missing the Zacks Consensus Estimate of $0.85 per share, and showing a decrease from $0.80 per share a year ago, resulting in an earnings surprise of -7.06% [1] - The company posted revenues of $26.45 million for the quarter ended December 2025, which was 2.6% below the Zacks Consensus Estimate, compared to $25.45 million in the same quarter last year [2] - Over the last four quarters, Northeast Community Bancorp has surpassed consensus EPS estimates three times and topped consensus revenue estimates two times [2] 分组2 - The stock has gained approximately 2.4% since the beginning of the year, outperforming the S&P 500's gain of 1.9% [3] - The current consensus EPS estimate for the upcoming quarter is $0.79 on revenues of $26.77 million, and for the current fiscal year, it is $3.39 on revenues of $112.91 million [7] - The Zacks Industry Rank for Banks - Northeast is currently in the top 23% of over 250 Zacks industries, indicating a favorable outlook for the industry [8]

WHITE PLAINS, N.Y., Jan. 28, 2026 (GLOBE NEWSWIRE) -- NorthEast Community Bancorp, Inc. (Nasdaq: NECB) (the “Company”), the parent holding company of NorthEast Community Bank (the “Bank”), reported net income of $10.8 million, or $0.81 per basic share and $0.79 per diluted share, for the quarter ended December 31, 2025 compared to net income of $10.2 million, or $0.78 per basic share and $0.75 per diluted share, for the quarter ended December 31, 2024. In addition, the Company reported net income of $44.4 m ...

Core Insights - The analysis of Northeast Community Bancorp, Inc. (NECB) was initiated in April during a period of economic uncertainty due to tariffs and trade wars, highlighting the potential impact on the US economy [1] Company Analysis - The stock of Northeast Community Bancorp, Inc. (NECB) was identified as an opportunity for investment, particularly due to its lesser visibility among average investors [1] Market Perspective - The belief in the efficiency of financial markets is emphasized, suggesting that most stocks reflect their real current value, with the best profit opportunities arising from less-followed stocks or those mispriced in their markets [1]

Group 1 - The article does not provide any specific content related to a company or industry [1]

Core Points - NorthEast Community Bancorp, Inc. has authorized a third stock repurchase program to acquire up to 1,400,435 shares, representing 10% of the currently issued and outstanding common stock [1] - The previous stock repurchase program, announced on May 30, 2023, allowed for the purchase of up to 1,509,218 shares, of which 1,091,174 shares were repurchased at an average cost of $15.78 per share [2] - The new program allows for repurchases in open market transactions or privately negotiated transactions, following a trading plan in accordance with SEC Rule 10b5-1 [3] Program Details - The timing and actual number of shares repurchased will depend on various factors including price, corporate and regulatory requirements, market conditions, and corporate liquidity needs [4] - The stock repurchase program does not obligate the company to purchase any specific number of shares and may be extended, modified, or discontinued at any time [4] Company Overview - NorthEast Community Bancorp is headquartered in White Plains, New York, and is the holding company for NorthEast Community Bank, which operates eleven branch offices in New York and Massachusetts [5]

Core Insights - The article emphasizes the importance of value investing and highlights specific stocks that exhibit strong value characteristics, particularly Business First Bancshares (BFST) and Northeast Community Bancorp (NECB) [2][9] Company Analysis: Business First Bancshares (BFST) - BFST has a Zacks Rank of 2 (Buy) and a Value grade of A, indicating strong potential for value investors [4] - The stock is currently trading at a P/E ratio of 8.38, which is lower than the industry average of 8.58 [4] - BFST's P/B ratio stands at 0.93, compared to the industry's average of 0.95, suggesting it is undervalued [5] - The P/S ratio for BFST is 1.41, which is more favorable than the industry's average P/S of 1.8 [6] - The P/CF ratio for BFST is 8.69, significantly lower than the industry's average of 16.15, indicating strong cash flow relative to its valuation [7] Company Analysis: Northeast Community Bancorp (NECB) - NECB also holds a Zacks Rank of 2 (Buy) and a Value grade of A, making it a strong candidate for value investment [8] - The P/B ratio for NECB is 0.89, which is below the industry average of 0.95, indicating potential undervaluation [8] Summary of Value Metrics - Both BFST and NECB exhibit key valuation metrics that suggest they are likely undervalued in the current market, supported by their strong earnings outlook [9]

Financial Performance - Net income for the three months ended September 30, 2025, was $11.9 million, a decrease of $821,000, or 6.5%, compared to $12.7 million for the same period in 2024 [156]. - Net income for the nine months ended September 30, 2025, was $33.6 million, a decrease of $3.2 million, or 8.8%, compared to $36.9 million for the same period in 2024 [180]. - Non-interest income decreased by $335,000, or 24.8%, to $1.0 million for the three months ended September 30, 2025, from $1.3 million for the same period in 2024 [165]. - Non-interest income for the nine months ended September 30, 2025, increased by $473,000, or 18.0%, to $3.1 million compared to $2.6 million for the same period in 2024 [191]. Income and Expenses - Net interest income decreased by $347,000, or 1.3%, to $25.9 million for the three months ended September 30, 2025, from $26.3 million for the same period in 2024 [157]. - Interest expense decreased by $1.6 million, or 10.5%, to $13.3 million for the three months ended September 30, 2025, from $14.9 million for the same period in 2024 [159]. - Non-interest expense increased by $390,000, or 3.9%, to $10.4 million for the three months ended September 30, 2025, from $10.0 million for the same period in 2024 [168]. - Non-interest expense rose by $2.3 million, or 8.0%, to $31.5 million for the nine months ended September 30, 2025, from $29.1 million in 2024 [194]. Assets and Liabilities - Total assets increased by $46.7 million, or 2.3%, to $2.1 billion at September 30, 2025, from $2.0 billion at December 31, 2024 [137]. - Loans, net of the allowance for credit losses, increased by $61.2 million, or 3.4%, to $1.9 billion at September 30, 2025, from $1.8 billion at December 31, 2024 [141]. - Total deposits decreased by $155.0 million, or 9.3%, to $1.5 billion at September 30, 2025, from $1.7 billion at December 31, 2024 [149]. - Stockholders' equity increased by $25.7 million, or 8.1%, to $344.0 million at September 30, 2025, from $318.3 million at December 31, 2024 [155]. Credit Quality - The allowance for credit losses related to loans decreased to $4.7 million as of September 30, 2025, from $4.8 million as of December 31, 2024 [143]. - Charge-offs increased to $678,000 during the nine months ended September 30, 2025, compared to $115,000 during the same period in 2024 [189]. - The net charge-offs for the nine months ended September 30, 2025, totaled $144,000, a decrease from $1,347,000 for the same period in 2024 [221]. - Non-performing assets decreased significantly to $545,000 at September 30, 2025, from $5.1 million at December 31, 2024, reflecting improved asset quality [215]. Liquidity - The company's liquidity ratios averaged 5.4% for Cash Liquidity, 7.7% for On Balance Sheet Liquidity, and 61.2% for On Balance Sheet Liquidity & Borrowing Capacity for the nine months ended September 30, 2025 [224]. - As of September 30, 2025, the Company's liquidity ratios were 71.1% for Cash and Borrowing Capacity/Total Non-Contractual Deposits and 95.5% for Cash, Borrowing Capacity and Sourced Deposits Capacity/Total Non-Contractual Deposits, indicating sufficient liquidity resources [232]. - The Company had an available borrowing limit of $740.2 million from the Federal Reserve Bank of New York as of September 30, 2025, down from $834.7 million at December 31, 2024 [238]. Interest Rate Risk - Net interest income is projected to increase by approximately 8.29% to 16.52% in a rising interest rate environment over a one-year time horizon, while it would decrease by approximately 9.05% to 18.24% in a declining interest rate environment [255]. - The Company has established an interest rate floor of zero percent for measuring interest rate risk, indicating a proactive approach to managing interest rate exposure [256]. Other Financial Metrics - The effective income tax rate was 28.5% for the three months ended September 30, 2025, compared to 27.8% for the same period in 2024 [179]. - The effective income tax rate for the nine months ended September 30, 2025, was 28.0%, slightly down from 28.1% in 2024 [205]. - The average interest-earning assets to interest-bearing liabilities ratio improved to 141.28% for the three months ended September 30, 2025 [208]. - The total loans outstanding increased to $1,873,598,000 as of September 30, 2025, compared to $1,812,598,000 at December 31, 2024 [219].

Financial Performance - Net income for the three months ended September 30, 2025, was $11.9 million, a decrease of 6.3% from $12.7 million for the same period in 2024[2]. - Net interest income for the three months ended September 30, 2025, was $25.9 million, a decrease of 1.3% from $26.3 million for the same period in 2024[24]. - Non-interest income for Q3 2025 was $1.0 million, a decrease of $335,000 or 24.8% from $1.3 million in Q3 2024[31]. - Non-interest expense increased by $390,000 or 3.9% to $10.4 million in Q3 2025 from $10.0 million in Q3 2024[34]. - Net interest income for the nine months ended September 30, 2025, was $75.3 million, a decrease of $2.2 million or 2.9% from $77.5 million in the same period of 2024[36]. - Non-interest income for the nine months ended September 30, 2025, was $3.1 million, an increase of $473,000 or 18.0% from $2.6 million in the same period of 2024[45]. - Basic earnings per share for Q3 2025 decreased to $0.90 from $0.97 in Q3 2024, representing a decline of 7.22%[65]. Asset and Equity Changes - Total assets increased by $46.7 million, or 2.3%, to $2.1 billion at September 30, 2025, from $2.0 billion at December 31, 2024[4]. - Total stockholders' equity increased by $25.7 million, or 8.1%, to $344.0 million at September 30, 2025[23]. - The Company's total stockholders' equity to assets ratio was 16.73% as of September 30, 2025[53]. - Total assets increased to $2,056,246,000 as of September 30, 2025, compared to $2,009,581,000 on December 31, 2024, reflecting a growth of 2.3%[61]. - The total stockholders' equity increased to $344,043,000 as of September 30, 2025, from $318,341,000 on December 31, 2024, an increase of 8.1%[61]. Loan and Deposit Activity - Loans, net of the allowance for credit losses, increased by $61.2 million, or 3.4%, to $1.9 billion at September 30, 2025[9]. - Total deposits decreased by $155.0 million, or 9.3%, to $1.5 billion at September 30, 2025, primarily due to a decrease in certificates of deposit[17]. - The company originated loans totaling $714.3 million during the nine months ended September 30, 2025[10]. - Total loans increased to $1,873,754 thousand as of September 30, 2025, up from $1,812,598 thousand at the end of 2024, an increase of 3.37%[65]. Credit Loss and Non-Performing Assets - The allowance for credit losses related to loans decreased to $4.7 million as of September 30, 2025, from $4.8 million as of December 31, 2024[11]. - The Company's allowance for credit losses related to loans was $4.7 million, or 0.25% of total loans as of September 30, 2025[51]. - The allowance for credit losses was $4,748,000 as of September 30, 2025, slightly down from $4,830,000 on December 31, 2024[61]. - Charge-offs for loans were $75,000 in Q3 2025, down from $82,000 in Q3 2024[29]. - Non-performing assets decreased to $545 thousand as of September 30, 2025, down from $5,120 thousand at the end of 2024, a significant reduction of 89.37%[65]. Interest and Efficiency Ratios - The net interest margin decreased by 30 basis points, or 5.3%, to 5.38% for the three months ended September 30, 2025[27]. - The net interest margin for Q3 2025 was 5.38%, compared to 5.68% in Q3 2024, reflecting a reduction of 5.28%[67]. - The efficiency ratio for Q3 2025 was 38.40%, compared to 36.04% in Q3 2024, indicating a decline in operational efficiency[65]. - The return on average total assets ratio was 2.35% for the three months ended September 30, 2025[6]. - Return on average total assets for Q3 2025 was 2.35%, down from 2.62% in Q3 2024, a decrease of 10.27%[65]. Interest and Dividend Income - Total interest and dividend income decreased by $4.0 million or 3.4% to $115.5 million for the nine months ended September 30, 2025[37].

Core Insights - NorthEast Community Bancorp, Inc. reported a net income of $11.9 million for Q3 2025, a decrease from $12.7 million in Q3 2024, and a net income of $33.6 million for the nine months ended September 30, 2025, down from $36.9 million for the same period in 2024 [1][2][3] Financial Performance - Net interest income for Q3 2025 was $25.9 million, a slight decrease from $26.3 million in Q3 2024, primarily due to a decrease in interest income [23][36] - Total interest and dividend income decreased by $1.9 million, or 4.6%, to $39.3 million for Q3 2025 compared to $41.2 million in Q3 2024 [24] - Non-interest income for Q3 2025 was $1.0 million, down from $1.3 million in Q3 2024, mainly due to a decrease in unrealized gains on equity securities [30][31] Balance Sheet Highlights - Total assets increased by $46.7 million, or 2.3%, to $2.1 billion as of September 30, 2025, driven by an increase in net loans [3] - Cash and cash equivalents decreased by $13.9 million, or 17.8%, to $64.3 million, attributed to funding an increase in net loans [4] - Total deposits decreased by $155.0 million, or 9.3%, to $1.5 billion, primarily due to a reduction in certificates of deposit [16][17] Loan Portfolio - Net loans increased by $61.2 million, or 3.4%, to $1.9 billion as of September 30, 2025, with significant growth in multi-family loans [8] - The company originated loans totaling $714.3 million during the nine months ended September 30, 2025, with a focus on construction loans [9] Asset Quality - Non-performing assets decreased significantly to $545,000 as of September 30, 2025, from $5.1 million at December 31, 2024, reflecting improved asset quality [49][50] - The allowance for credit losses related to loans was $4.7 million, or 0.25% of total loans, as of September 30, 2025, slightly down from $4.8 million at the end of 2024 [51] Capital Position - Total stockholders' equity increased by $25.7 million, or 8.1%, to $344.0 million as of September 30, 2025, supported by net income and stock repurchase programs [22][55] - The company's capital ratios remain strong, with a total stockholders' equity to assets ratio of 16.73% and a tier 1 leverage capital ratio of 16.10% [53][54]