Northeast Community Bancorp (NECB) investor relations material

Executive summary

• Q3 net income was $10.7 million, down 10.1% YoY; 9M net income was $30.4 million, down 9.5% YoY.

• Total assets rose 7.4% to $2.2 billion since year-end 2025, driven mainly by $160.0 million growth in net loans.

Financial highlights

• Q3 net interest income was $26.1 million, up 0.6% YoY; interest expense fell 5.7% to $12.6 million, while interest income declined 1.5% to $38.7 million.

• Q3 non-interest loss was $185,000 versus income of $1.0 million YoY, mainly reflecting a $1.1 million unrealized equity-securities loss; non-interest expense rose 3.9% to $10.8 million.

• 9M net interest income was $74.9 million, down 0.5% YoY; non-interest income fell 59.7% to $1.3 million, while non-interest expense increased 2.5% to $32.3 million.

• Basic/diluted EPS was $0.81/$0.79 in Q3 and $2.31/$2.25 for 9M, versus $0.90/$0.87 and $2.54/$2.47, respectively, in 2025.

Outlook and guidance

• One-year rate simulations project net interest income up 8.74%–17.38% in rising-rate scenarios and down 9.63%–19.31% in declining-rate scenarios; results remain within policy guidelines.

• Management reported liquidity resources sufficient for sudden deposit outflows; cash and borrowing capacity equaled 87.5% of non-contractual deposits, rising to 114.2% including sourced-deposit capacity.