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Northeast Community Bank

White Plains, NY · Cert 29147 · Northeast Community Bcorp Inc.

SI · FDIC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

94

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Northeast Community Bank

White Plains, NY · Cert 29147 · Northeast Community Bcorp Inc.

SI · FDIC · 12 branches

Q2 2026

$2.1BAssets
$1.9BLoans
$1.5BDeposits
$351.7MEquity
Loan mix
92%RE $1.7B8%C&I $0.1B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $1.2B22%Noninterest $0.3BQ3 2024Q2 2026

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #76 of 151 inst. · $1.0B of $2921.1B

0.1% Westchester
2.5% Rockland
2.5% Orange
0.8% Bronx

Executive Summary

  • Earnings: ROA of 2.00%, down 26 bps year over year; NIM at 4.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 17.32%, up 145 bps from a year ago.
  • Funding: loans stand at 124.24% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.00%-26 bps YoY

Net Interest Margin (YTD, annualized)

4.86%-14 bps YoY

Efficiency Ratio (YTD, annualized)

39.76%+44 bps YoY

Tier 1 Leverage Ratio

17.32%+145 bps YoY

NIM

8.25%Q2 ’247.75%Q2 ’257.17%Q2 ’26-7%-3%

Non-interest income vs. expense

1.91%Q2 ’242.03%Q2 ’251.99%Q2 ’26+5%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.65%2.52%2.19%2.26%2.31%2.28%2.03%2.00%-26 bps
Return on Equity18.28%17.28%14.36%14.57%14.76%14.39%12.16%11.98%-260 bps
Net Interest Margin5.29%5.11%4.84%5.00%4.95%4.89%4.78%4.86%-14 bps
Efficiency Ratio34.93%35.16%40.28%39.32%38.36%38.79%40.74%39.76%+44 bps
Non-Interest Burden1.75%1.70%1.83%1.85%1.79%1.79%1.83%1.83%-3 bps
Growth
Asset Growth (YoY)14.56%13.97%3.67%2.82%5.05%3.33%5.25%7.25%+443 bps
Loan Growth (YoY)16.89%14.29%4.94%5.86%7.07%3.32%6.03%6.94%+107 bps
Deposit Growth (YoY)19.09%19.32%5.15%-4.88%-6.52%-3.15%2.70%3.41%+829 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.07%-0.05%0.02%0.01%-0.01%0.01%0.06%+4 bps
Allowance / Loans0.28%0.27%0.30%0.26%0.25%0.25%0.25%0.25%-2 bps
Allowance Coverage of NPLs1.1xn/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.76%14.39%15.09%15.87%16.10%16.39%16.76%17.32%+145 bps
Total Risk-Based Capital14.04%13.88%15.10%14.99%15.09%15.62%15.73%15.31%+32 bps
Equity / Assets14.75%14.70%15.85%16.06%16.03%16.54%16.89%16.66%+60 bps
Liquidity & Funding
Loans / Deposits106.92%107.26%108.04%120.14%122.47%114.43%111.55%124.24%+410 bps
Liquid Assets / Assets4.86%3.85%4.27%2.70%3.31%4.23%3.87%3.76%+106 bps
CRE / Total Capitaln/an/an/an/a541%510%496%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Northeast Community Bank

White Plains, NY · Cert 29147 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Northeast Community Bcorp Inc.

SI · FDIC · 12 branches

Q2 2026

$2.1BAssets
$1.9BLoans
$1.5BDeposits
$351.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 6 of 36).
  • Widest gap: total risk-based capital ratio trails 61% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 22 of 36).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.95%

Rank 4 of 36

Net Interest Margin

4.86%

Rank 2 of 36

Efficiency Ratio

39.76%

Rank 3 of 35

Equity / Assets

16.66%

Rank 4 of 36

Non-interest income vs. expense

$3.4M$39.9MINCOMEEXPENSE
Unfavorable gap of $36.6M · efficiency ratio beats 94% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 39.76%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.95%0.65%1.00%1.72%Beats 89%4 / 36
Return on Equity11.73%5.35%9.30%13.56%Beats 69%11 / 35
Net Interest Margin4.86%2.66%3.13%3.63%Beats 94%2 / 36
Efficiency Ratio39.76%52.19%63.09%75.14%Beats 94%3 / 35
Asset Quality
Nonperforming Loans / Loans0.00%0.46%0.84%1.59%Beats 100%6 / 36
Net Charge-Offs / Loans0.03%n/a0.03%0.14%Beats 50%19 / 36
Capital
Tier 1 Capital Ratio15.05%13.13%14.78%18.34%Beats 56%16 / 36
Total Risk-Based Capital Ratio15.31%13.73%15.96%19.27%Beats 39%22 / 36
Equity / Assets16.66%9.80%11.58%14.82%Beats 89%4 / 36
Liquidity & Funding
Loans / Deposits124.25%81.12%95.13%103.24%89th pctl4 / 36
Loans / Assets90.85%67.44%76.31%84.79%94th pctl2 / 36
Brokered Deposits / Depositsn/aNot reported for this institution