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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]

Core Viewpoint - The market anticipates a year-over-year decline in earnings for Northeast Community Bancorp (NECB) due to lower revenues, with actual results being crucial for stock price movement [1][2]. Company Summary - Northeast Community Bancorp is expected to report quarterly earnings of $0.84 per share, reflecting an 11.6% decrease year-over-year. Revenues are projected at $26.8 million, down 3% from the previous year [3]. - The consensus EPS estimate has been revised 4.94% higher in the last 30 days, indicating a reassessment by analysts [4]. - The Most Accurate Estimate for NECB matches the Zacks Consensus Estimate, resulting in an Earnings ESP of 0%. The company holds a Zacks Rank of 1 (Strong Buy) [12]. Earnings Surprise History - In the last reported quarter, NECB was expected to post earnings of $0.79 per share but exceeded expectations with earnings of $0.82, resulting in a surprise of +3.80%. Over the last four quarters, the company has beaten consensus EPS estimates three times [14][15]. Industry Comparison - Eastern Bankshares, Inc. (EBC), another player in the Northeast banking sector, is expected to report earnings of $0.40 per share, indicating a 60% year-over-year increase. Revenues are anticipated to be $243.9 million, up 19.9% from the previous year [20]. - The consensus EPS estimate for EBC has been revised 0.6% higher in the last 30 days, but it currently has an Earnings ESP of -4.23%, making it challenging to predict a beat against the consensus EPS estimate [21].

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Core Viewpoint - NorthEast Community Bancorp, Inc. has declared a special cash dividend of $0.20 per share, reflecting its commitment to enhancing shareholder value [1][2]. Company Overview - NorthEast Community Bancorp is headquartered in White Plains, New York, and serves as the holding company for NorthEast Community Bank, which operates eleven branch offices across New York and Massachusetts [2]. Dividend Details - The special cash dividend will be paid on or about October 6, 2025, to shareholders of record as of the close of business on September 8, 2025 [1]. - This marks a continuation of the company's strategy to provide returns to shareholders through dividends [2]. Leadership Statement - Kenneth A. Martinek, Chairman and CEO, expressed satisfaction in being able to pay a special dividend, emphasizing the company's long-term commitment to shareholder value [2].

Core Points - NorthEast Community Bancorp, Inc. has declared a special cash dividend of $0.20 per share on its outstanding common stock, to be paid on or about October 6, 2025, to shareholders of record as of September 8, 2025 [1][2] - The Chairman and CEO, Kenneth A. Martinek, emphasized that the payment of dividends reflects the company's long-term commitment to enhancing shareholder value [2] Company Overview - NorthEast Community Bancorp is headquartered in White Plains, New York, and serves as the holding company for NorthEast Community Bank, which operates eleven branch offices across New York and Massachusetts [2] - The bank has branch locations in Bronx, Orange, Rockland, and Sullivan Counties in New York, as well as Essex, Middlesex, and Norfolk Counties in Massachusetts, along with three loan production offices [2]