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Northeast Community Bancorp (NECB) investor relations material
Northeast Community Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $11.2 million, down 12.7% year-over-year, with six-month net income at $21.7 million, a 10.1% decrease, mainly due to lower net interest income and higher expenses.
Basic EPS for Q2 2025 was $0.85, down from $0.98 a year earlier.
Total assets decreased 1.8% to $2.0 billion at June 30, 2025, primarily from declines in cash, loans, and real estate owned.
Stockholders' equity rose 5.8% to $336.7 million, reflecting net income and equity compensation, offset by dividends and other comprehensive loss.
Asset quality remains robust, with no non-performing loans and non-performing assets at 0.04% of total assets.
Financial highlights
Net interest income for Q2 2025 was $25.1 million, down 4.4% year-over-year; for six months, $49.3 million, down 3.7%.
Non-interest income increased 17.4% to $858,000 in Q2 2025, and 62.9% to $2.1 million for the six months, mainly from unrealized gains on equity securities and higher loan fees.
Non-interest expense rose 10.6% to $10.5 million in Q2 and 10.2% to $21.1 million for the six months, driven by higher salaries, real estate owned expense, and data processing costs.
Net interest margin declined to 5.35% in Q2 2025 from 5.79% a year earlier; for the six months, it fell to 5.23% from 5.77%.
Return on average assets was 2.27% for Q2 2025 (2.70% prior year); return on equity was 13.37% (17.28% prior year); efficiency ratio was 40.52% (35.24% prior year).
Outlook and guidance
Management expects continued pressure on net interest margin due to lower Federal Funds rates and competitive deposit pricing.
Management remains focused on construction lending in high-demand sub-markets and expects continued loan demand despite economic uncertainty.
Liquidity ratios remain strong, with cash and borrowing capacity at 70.9% of non-contractual deposits, supporting funding needs.
No material changes in risk factors or business outlook since the last annual report.
How will unfunded commitments impact loans?
Impact of funding mix changes on cost of funds?
What actions mitigate NIM compression?
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Next Northeast Community Bancorp earnings date
Q3 202530 Oct, 2025
Next Northeast Community Bancorp earnings date
Q3 202530 Oct, 2025
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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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