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Northeast Community Bancorp (NECB) investor relations material
Northeast Community Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Total assets increased 2.3% to $2.1 billion at September 30, 2025, driven by loan growth and higher securities balances.
Net income for Q3 2025 was $11.9 million, down 6.5% year-over-year, and $33.6 million for the nine months, down 8.8% from 2024.
Loan originations reached $714.3 million for the nine months, primarily in construction and multi-family segments.
Financial highlights
Net interest income for Q3 2025 was $25.9 million, a 1.3% decrease year-over-year; for nine months, $75.3 million, down 2.9%.
Non-interest income for Q3 2025 was $1.0 million, down 24.8% year-over-year; for nine months, $3.1 million, up 18.0%.
Non-interest expense for Q3 2025 rose 3.9% to $10.4 million; for nine months, up 8.0% to $31.5 million.
Net interest margin for Q3 2025 was 5.38%, down from 5.68% a year ago; for nine months, 5.28%, down from 5.74%.
Earnings per diluted share were $0.87 for Q3 2025 and $2.47 for the nine months.
Outlook and guidance
Management expects continued focus on loan growth, especially in construction and multi-family, while monitoring funding costs and interest rate risk.
Liquidity and capital positions are considered strong, with sufficient resources to meet unexpected deposit outflows.
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