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Letter portraitLegal landscape

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 75thStandingRankPeer 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