Part I - Financial Information [Item 1. Financial Statements](index=3&type=section&id=Item%201.%20Financial%20Statements) This section presents the unaudited condensed consolidated financial statements for NorthEast Community Bancorp, Inc. as of March 31, 2022, and for the three months then ended, including statements of financial condition, income, comprehensive income, changes in stockholders' equity, and cash flows, along with accompanying notes [Consolidated Statements of Financial Condition](index=4&type=section&id=Consolidated%20Statements%20of%20Financial%20Condition) Total assets increased to $1.28 billion as of March 31, 2022, from $1.23 billion at December 31, 2021, driven primarily by growth in net loans and cash equivalents, with total liabilities also growing mainly due to increased deposits, and total stockholders' equity seeing a modest increase Consolidated Balance Sheet Highlights (Unaudited) | Balance Sheet Item | March 31, 2022 (In thousands) | December 31, 2021 (In thousands) | | :--- | :--- | :--- | | **Total Assets** | **$1,281,359** | **$1,225,070** | | Total cash and cash equivalents | $174,684 | $152,269 | | Net loans | $1,002,224 | $968,093 | | **Total Liabilities** | **$1,026,986** | **$973,688** | | Total deposits | $991,938 | $927,164 | | Federal Home Loan Bank advances | $21,000 | $28,000 | | **Total Stockholders' Equity** | **$254,373** | **$251,382** | [Consolidated Statements of Income](index=7&type=section&id=Consolidated%20Statements%20of%20Income) For the three months ended March 31, 2022, net income increased to $3.6 million from $3.2 million in the prior-year period, driven by a 15.2% increase in net interest income to $11.9 million, with earnings per share (EPS) rising to $0.23 from $0.20 year-over-year Consolidated Income Statement Highlights (Unaudited) | Income Statement Item | Three Months Ended Mar 31, 2022 (In thousands) | Three Months Ended Mar 31, 2021 (In thousands) | | :--- | :--- | :--- | | Net Interest Income | $11,925 | $10,355 | | Provision for loan loss | $0 | $17 | | Total Non-Interest Income | $58 | $443 | | Total Non-Interest Expenses | $7,220 | $6,554 | | **Net Income** | **$3,645** | **$3,245** | | **EPS (Basic and Diluted)** | **$0.23** | **$0.20** | [Consolidated Statements of Cash Flows](index=10&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) For the three months ended March 31, 2022, cash and cash equivalents increased by $22.4 million, primarily due to net cash provided by financing activities of $57.2 million (driven by deposit growth), which offset net cash used in investing activities of $35.6 million (mainly from loan portfolio growth) Consolidated Cash Flow Highlights (Unaudited) | Cash Flow Item | Three Months Ended Mar 31, 2022 (In thousands) | Three Months Ended Mar 31, 2021 (In thousands) | | :--- | :--- | :--- | | Net Cash Provided by Operating Activities | $828 | $4,598 | | Net Cash Used in Investing Activities | ($35,591) | ($11,293) | | Net Cash Provided by (Used in) Financing Activities | $57,178 | ($6,630) | | **Net Increase (Decrease) in Cash** | **$22,415** | **($13,325)** | | Cash and Cash Equivalents – Ending | $174,684 | $55,866 | [Notes to Condensed Consolidated Financial Statements](index=12&type=section&id=Notes%20to%20Condensed%20Consolidated%20Financial%20Statements) The notes provide detailed information on accounting policies, regulatory capital, financial instruments, and other key aspects of the financial statements, confirming the Bank remains 'well capitalized' under regulatory standards, with a loan portfolio heavily concentrated in construction loans that grew during the quarter, and the company has not yet adopted the CECL accounting standard - The Bank's principal business is originating construction loans, which comprised the largest portion of its loan portfolio at **$736.7 million** as of March 31, 2022[28](index=28&type=chunk)[59](index=59&type=chunk) Bank Regulatory Capital Ratios (as of March 31, 2022) | Capital Ratio | Actual Ratio | Minimum for Adequacy | Minimum to be Well-Capitalized | | :--- | :--- | :--- | :--- | | Total capital (to risk-weighted assets) | 15.03% | ≥8.00% | ≥10.00% | | Tier 1 capital (to risk-weighted assets) | 14.64% | ≥6.00% | ≥8.00% | | Common equity tier 1 capital | 14.64% | ≥4.50% | ≥6.50% | | Core (Tier 1) capital (to adjusted total assets) | 16.03% | ≥4.00% | ≥5.00% | - The company has elected to defer the adoption of the Current Expected Credit Loss (CECL) model (ASU 2016-13) until January 1, 2023, as permitted by the CARES Act[159](index=159&type=chunk) - As of March 31, 2022, the company had no loans in deferral status under the CARES Act, down from a peak of **196 loans** totaling **$190.9 million**[82](index=82&type=chunk)[148](index=148&type=chunk) [Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations](index=33&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses the company's financial performance for Q1 2022, highlighting a 4.6% increase in total assets to $1.3 billion, driven by a $34.1 million growth in net loans, with net income rising to $3.6 million from $3.2 million year-over-year primarily due to higher net interest income, and asset quality remaining strong with no non-performing loans, and liquidity deemed adequate [Balance Sheet Analysis](index=36&type=section&id=Balance%20Sheet%20Analysis) Total assets grew by $56.3 million (4.6%) to $1.3 billion at March 31, 2022, from year-end 2021, primarily funded by a $64.8 million (7.0%) rise in total deposits, which supported a $34.1 million (3.5%) expansion in the net loan portfolio, mainly in construction loans, while FHLB advances were reduced by $7.0 million - Total assets increased by **$56.3 million**, or **4.6%**, to **$1.3 billion** at March 31, 2022[162](index=162&type=chunk) - Net loans increased by **$34.1 million**, or **3.5%**, primarily due to **$121.8 million** in loan originations, of which **$112.8 million** were construction loans[165](index=165&type=chunk) - Total deposits increased by **$64.8 million**, or **7.0%**, led by a **$50.4 million** increase in non-interest bearing demand deposits[170](index=170&type=chunk)[172](index=172&type=chunk) [Results of Operations](index=37&type=section&id=Results%20of%20Operations) Net income for Q1 2022 was $3.6 million, up from $3.2 million in Q1 2021, with net interest income growing 15.2% to $11.9 million driven by a larger average balance of interest-earning assets, though the net interest margin compressed by 51 basis points to 4.08%, while non-interest income fell sharply due to an unrealized loss on equity securities, and non-interest expense increased by 10.2% due to higher operating and personnel costs - Net interest income increased by **$1.5 million** (**15.2%**) year-over-year, due to a **$268.0 million** increase in the average balance of interest-earning assets[177](index=177&type=chunk)[179](index=179&type=chunk) - Net interest margin decreased by **51 basis points** to **4.08%** for Q1 2022 from **4.59%** in Q1 2021[182](index=182&type=chunk) - The company recorded no provision for loan losses in Q1 2022, compared to a **$17,000** provision in Q1 2021[183](index=183&type=chunk) - Non-interest income decreased to **$58,000** from **$443,000**, primarily due to a **$634,000** unrealized loss on equity securities in Q1 2022[186](index=186&type=chunk) [Asset Quality](index=41&type=section&id=Asset%20Quality) Asset quality remained strong as of March 31, 2022, with the company reporting no non-performing loans, consistent with the end of 2021, and total non-performing assets stable at $2.0 million, consisting entirely of one real estate owned (REO) property, while the allowance for loan losses increased slightly to $5.3 million, representing 0.53% of total loans Non-Performing Assets | Asset Category | March 31, 2022 (In thousands) | December 31, 2021 (In thousands) | | :--- | :--- | :--- | | Total non-accrual loans | $0 | $0 | | Real estate owned | $1,996 | $1,996 | | **Total non-performing assets** | **$1,996** | **$1,996** | | Ratio of non-performing assets to total assets | 0.16% | 0.16% | - The allowance for loan losses was **$5.3 million**, or **0.53%** of total loans, at March 31, 2022[208](index=208&type=chunk)[209](index=209&type=chunk) [Liquidity and Capital Resources](index=42&type=section&id=Liquidity%20and%20Capital%20Resources) The company maintains adequate liquidity through deposits, loan repayments, and earnings, with an available borrowing limit of $30.5 million from the FHLB of New York and $8.0 million from ACBB as of March 31, 2022, and significant unfunded commitments including $435.7 million for construction loans and $263.8 million for loan originations - The company's primary sources of liquidity are deposits, loan prepayments, and funds from operations[215](index=215&type=chunk) - At March 31, 2022, the company had available borrowing capacity of **$30.5 million** from the FHLB and **$8.0 million** from ACBB[218](index=218&type=chunk)[219](index=219&type=chunk) - Unfunded commitments included **$435.7 million** for construction loans and **$263.8 million** for new loan originations[220](index=220&type=chunk) [Item 3. Quantitative and Qualitative Disclosures about Market Risk](index=44&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20about%20Market%20Risk) The company manages interest rate risk by analyzing its impact on both short-term net interest income and the long-term economic value of equity, with its balance sheet positioned to benefit from rising interest rates as of March 31, 2022, projecting a 16.41% increase in net interest income over one year from a 100 basis point rate increase, while a 100 basis point decrease would lower it by 8.59% Interest Rate Sensitivity Analysis (as of March 31, 2022) | Change in Interest Rates (Basis Points) | % Change in Net Interest Income (12-Month) | % Change in Net Portfolio Value | | :--- | :--- | :--- | | +200 | 32.88% | 7.02% | | +100 | 16.41% | 3.72% | | 0 | — | — | | -100 | (8.59)% | (4.19)% | [Item 4. Controls and Procedures](index=45&type=section&id=Item%204.%20Controls%20and%20Procedures) Management, including the CEO and CFO, evaluated the company's disclosure controls and procedures and concluded they were effective as of the end of the period covered by this report, with no material changes made to internal controls over financial reporting during the quarter - The Chief Executive Officer and Chief Financial Officer concluded that the company's disclosure controls and procedures were effective as of March 31, 2022[238](index=238&type=chunk) - There were no changes in internal controls over financial reporting during the quarter that materially affected, or are reasonably likely to materially affect, these controls[240](index=240&type=chunk) Part II - Other Information [Item 1. Legal Proceedings](index=46&type=section&id=Item%201.%20Legal%20Proceedings) The company is involved in various legal actions in the normal course of business, but management does not expect these to have a material adverse impact on its financial condition - The company states that ongoing legal actions are not expected to have a material adverse impact on its financial condition[242](index=242&type=chunk) [Item 1A. Risk Factors](index=46&type=section&id=Item%201A.%20Risk%20Factors) There have been no material changes to the risk factors disclosed in the company's Annual Report on Form 10-K for the year ended December 31, 2021 - As of March 31, 2022, the company's risk factors have not changed materially from those disclosed in its 2021 Form 10-K[243](index=243&type=chunk) [Other Items (Items 2, 3, 4, 5, 6)](index=46&type=section&id=Other%20Items) This section confirms that there were no unregistered sales of equity securities, defaults upon senior securities, mine safety disclosures, or other material information to report for the period, and refers to the Exhibit Index for a list of filed exhibits - Items 2, 3, 4, and 5 are noted as 'Not applicable' or 'None'[244](index=244&type=chunk)[245](index=245&type=chunk)[246](index=246&type=chunk)[247](index=247&type=chunk)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____ to _____ Commission File Number: 001-40589 NORTHEAST COMMUNITY BANCORP, INC. (Exact name of registrant as specified in its charter) Marylan ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-40589 NorthEast Community Bancorp, Inc. (Exact name of registrant as specified in its charter) Maryland 8 ...

Part I Financial Information [Financial Statements](index=3&type=section&id=Item%201.%20Financial%20Statements) The financial statements detail the company's financial position and performance, highlighting increased assets and net income for the periods ended June 30, 2021 [Consolidated Statements of Financial Condition](index=3&type=section&id=Consolidated%20Statements%20of%20Financial%20Condition) Total assets grew 11.2% to $1.08 billion, primarily from a surge in cash due to stock subscription proceeds, with deposits and equity also rising Consolidated Balance Sheet Highlights (in thousands) | Metric | June 30, 2021 | Dec 31, 2020 | Change (%) | | :--- | :--- | :--- | :--- | | Total cash and cash equivalents | $163,835 | $69,191 | +136.8% | | Net loans | $825,214 | $819,733 | +0.7% | | **Total assets** | **$1,076,533** | **$968,221** | **+11.2%** | | Total deposits | $798,804 | $771,706 | +3.5% | | Stock Subscription | $74,933 | $0 | N/A | | **Total liabilities** | **$915,686** | **$814,396** | **+12.4%** | | **Total stockholders' equity** | **$160,847** | **$153,825** | **+4.6%** | [Consolidated Statements of Income](index=5&type=section&id=Consolidated%20Statements%20of%20Income) Net income increased by 50.2% to $3.7 million for Q2 2021, driven by higher net interest income and a reduced provision for loan losses Income Statement Summary (in thousands, except per share data) | Metric | Q2 2021 | Q2 2020 | 6 Months 2021 | 6 Months 2020 | | :--- | :--- | :--- | :--- | :--- | | Net Interest Income | $10,378 | $9,508 | $20,733 | $18,961 | | Provision for loan loss | $0 | $518 | $17 | $532 | | **Net Income** | **$3,721** | **$2,478** | **$6,966** | **$5,734** | | **EPS (Diluted)** | **$0.31** | **$0.21** | **$0.58** | **$0.48** | [Consolidated Statements of Comprehensive Income](index=6&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Income) Total comprehensive income for Q2 2021 was $3.715 million, slightly below net income due to a minor other comprehensive loss Comprehensive Income (in thousands) | Period | Net Income | Other Comprehensive (Loss)/Income | Total Comprehensive Income | | :--- | :--- | :--- | :--- | | **Q2 2021** | $3,721 | $(6) | $3,715 | | **Q2 2020** | $2,478 | $10 | $2,488 | | **6 Months 2021** | $6,966 | $(3) | $6,963 | | **6 Months 2020** | $5,734 | $20 | $5,754 | [Consolidated Statements of Changes in Stockholders' Equity](index=7&type=section&id=Consolidated%20Statements%20of%20Changes%20in%20Stockholders'%20Equity) Stockholders' equity increased to $160.8 million, primarily driven by $7.0 million in net income for the six-month period - For the six months ended June 30, 2021, stockholders' equity increased by **$7.0 million**, primarily due to net income of **$6.966 million**[17](index=17&type=chunk) - A cash dividend of **$0.03 per share** was declared during the first six months of 2021, totaling **$144,000**[17](index=17&type=chunk) [Consolidated Statements of Cash Flows](index=8&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Cash and cash equivalents increased by $94.6 million, primarily from $101.5 million in financing activities, including a stock subscription Cash Flow Summary for the Six Months Ended June 30 (in thousands) | Activity | 2021 | 2020 | | :--- | :--- | :--- | | Net Cash Provided by Operating Activities | $7,179 | $7,547 | | Net Cash Used in Investing Activities | $(14,025) | $(55,050) | | Net Cash Provided by (Used in) Financing Activities | $101,490 | $(7,745) | | **Net Increase (Decrease) in Cash** | **$94,644** | **$(55,248)** | - Financing activities in the first half of 2021 were dominated by **$74.9 million** in proceeds from a stock subscription related to the company's second-step conversion[19](index=19&type=chunk) [Notes to Condensed Consolidated Financial Statements](index=10&type=section&id=Notes%20to%20Condensed%20Consolidated%20Financial%20Statements) The notes disclose the July 2021 second-step conversion, the Bank's 'well capitalized' status, and a loan portfolio concentrated in construction loans - The company completed its second-step conversion on July 12, 2021, selling 9,784,077 shares of common stock at $10.00 per share for gross proceeds of **$97.8 million**[22](index=22&type=chunk) - The Bank's principal business is originating construction loans, commercial and industrial loans, and multifamily/mixed-use residential real estate loans[25](index=25&type=chunk) - As of June 30, 2021, the Bank met all capital adequacy requirements and was categorized as **'well capitalized'** by the FDIC[37](index=37&type=chunk)[39](index=39&type=chunk) Loan Portfolio Composition (in thousands) | Loan Type | June 30, 2021 | Dec 31, 2020 | | :--- | :--- | :--- | | Construction | $571,963 | $545,788 | | Residential real estate | $122,547 | $127,184 | | Commercial and industrial | $79,973 | $90,577 | | Non-residential real estate | $55,144 | $60,665 | | **Total Loans** | **$829,970** | **$824,708** | [Management's Discussion and Analysis of Financial Condition and Results of Operations (MD&A)](index=34&type=section&id=Item%202.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses financial performance, noting net interest income growth, balance sheet changes, stable asset quality, and strong liquidity [COVID-19 Pandemic Impact](index=34&type=section&id=COVID-19%20Pandemic%20Impact) The company monitors COVID-19 impact, with payment deferrals significantly reduced from $190.8 million to $9.5 million by June 30, 2021 - The company granted payment deferrals on 195 loans totaling **$190.8 million** due to the COVID-19 pandemic[146](index=146&type=chunk) - As of June 30, 2021, the number of loans in deferral status had significantly decreased to two loans with a total balance of **$9.5 million**[146](index=146&type=chunk) [Balance Sheet Analysis](index=37&type=section&id=Balance%20Sheet%20Analysis) Total assets grew by $108.3 million (11.2%), primarily due to a $94.6 million cash increase from the stock offering and deposit growth - Total assets increased by **$108.3 million (11.2%)** to **$1.076 billion** at June 30, 2021[163](index=163&type=chunk) - The primary driver of asset growth was a **$94.6 million** increase in cash and cash equivalents, attributed to a **$74.9 million** increase in stock subscriptions and a **$27.1 million** increase in deposits[164](index=164&type=chunk) - Stockholders' equity increased by **$7.0 million (4.6%)** to **$160.8 million**, mainly due to net income of **$7.0 million** for the period[173](index=173&type=chunk) [Results of Operations](index=38&type=section&id=Results%20of%20Operations) Net income for Q2 2021 was $3.7 million, driven by increased net interest income and a reduced provision for loan losses Net Interest Income and Margin Comparison | Period | Net Interest Income ($M) | Net Interest Margin (%) | | :--- | :--- | :--- | | **Q2 2021** | $10.4 | 4.49% | | **Q2 2020** | $9.5 | 4.31% | | **6 Months 2021** | $20.7 | 4.54% | | **6 Months 2020** | $19.0 | 4.37% | - The increase in net interest income was primarily due to a **53.8% decrease** in interest expense for Q2 2021, as the cost of interest-bearing liabilities fell by **89 basis points** year-over-year[178](index=178&type=chunk) - The provision for loan losses was **$0** for Q2 2021 and **$17,000** for the first six months of 2021, compared to $518,000 and $532,000 for the respective periods in 2020[181](index=181&type=chunk)[201](index=201&type=chunk) [Asset Quality](index=45&type=section&id=Asset%20Quality) Asset quality remained stable, with total non-performing assets at $5.6 million and non-performing loans at 0.43% of total loans Non-Performing Assets (in thousands) | Metric | June 30, 2021 | Dec 31, 2020 | | :--- | :--- | :--- | | Total non-accrual loans | $3,593 | $3,572 | | Real estate owned | $1,996 | $1,996 | | **Total non-performing assets** | **$5,589** | **$5,568** | | **Ratio of non-performing loans to total loans** | **0.43%** | **0.43%** | - The allowance for loan losses was **$5.1 million** at June 30, 2021, representing **141.78%** of non-performing loans[228](index=228&type=chunk) [Liquidity and Capital Resources](index=47&type=section&id=Liquidity%20and%20Capital%20Resources) The company maintains adequate liquidity through deposits and earnings, with significant loan originations and FHLB borrowing capacity - Primary sources of liquidity are deposits, loan/security repayments, and earnings. Loan originations totaled **$285.1 million** for the six months ended June 30, 2021[232](index=232&type=chunk)[234](index=234&type=chunk) - The company had an available borrowing limit of **$41.2 million** from the Federal Home Loan Bank of New York as of June 30, 2021[235](index=235&type=chunk) - At June 30, 2021, the company had unfunded commitments on construction loans of **$349.4 million** and outstanding commitments to originate loans of **$315.7 million**[238](index=238&type=chunk) [Quantitative and Qualitative Disclosures About Market Risk](index=48&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20about%20Market%20Risk) The company manages interest rate risk, demonstrating an asset-sensitive position where a 100 basis point rate increase boosts net interest income by 15.58% Interest Rate Sensitivity Analysis (as of June 30, 2021) | Change in Interest Rates (Basis Points) | Twelve Month Net Interest Income (% Change) | Net Portfolio Value (% Change) | | :--- | :--- | :--- | | +200 | 31.32% | 12.15% | | +100 | 15.58% | 6.24% | | 0 | — | — | | -100 | (4.65)% | (2.72)% | - The company's interest rate risk profile indicates that net interest income would **increase** in a rising rate environment and **decrease** in a falling rate environment, demonstrating an **asset-sensitive position**[255](index=255&type=chunk) [Controls and Procedures](index=50&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded that disclosure controls and procedures were effective, with no material changes to internal controls over financial reporting - The Chief Executive Officer and Chief Financial Officer concluded that the company's disclosure controls and procedures were **effective** as of the end of the period covered by the report[258](index=258&type=chunk) - **No changes** in internal controls over financial reporting occurred during the quarter ended June 30, 2021, that have materially affected, or are reasonably likely to materially affect, these controls[259](index=259&type=chunk) Part II Other Information [Legal Proceedings](index=51&type=section&id=Item%201.%20Legal%20Proceedings) The company is involved in various legal actions in the normal course of business, not expected to have a material adverse impact - The company is involved in various legal actions arising in the normal course of business, which are **not expected to have a material adverse impact**[262](index=262&type=chunk) [Risk Factors](index=51&type=section&id=Item%201A.%20Risk%20Factors) No material changes to the company's risk factors have occurred since the prospectus filed on May 24, 2021 - As of June 30, 2021, the company's risk factors have **not changed materially** from those disclosed in the prospectus filed on May 24, 2021[263](index=263&type=chunk) [Other Items (Items 2, 3, 4, 5)](index=51&type=section&id=Other%20Items%20(Items%202,%203,%204,%205)) This section reports several items, such as Unregistered Sales of Equity Securities, as not applicable or with no information to disclose - Item 2 (Unregistered Sales of Equity Securities), Item 3 (Defaults Upon Senior Securities), and Item 4 (Mine Safety Disclosures) are all marked as **'Not applicable'**[264](index=264&type=chunk)[265](index=265&type=chunk)[266](index=266&type=chunk) - Item 5 (Other Information) is marked as **'None'**[267](index=267&type=chunk) [Exhibits](index=51&type=section&id=Item%206.%20Exhibits) This section references the Exhibit Index, listing all documents filed as part of the Form 10-Q report, including certifications and XBRL data - The report includes **standard corporate governance documents**, **CEO/CFO certifications** under Sarbanes-Oxley, and financial data formatted in **XBRL**[271](index=271&type=chunk)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 333-253982 NorthEast Community Bancorp, Inc. (Exact name of registrant as specified in its charter) Maryland 86-3 ...