White Plains, NY · Cert 29147 · Northeast Community Bcorp Inc.
SI · FDIC · 12 branches
Q2 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
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.65% | 2.52% | 2.19% | 2.26% | 2.31% | 2.28% | 2.03% | 2.00% | -26 bps | |
| Return on Equity | 18.28% | 17.28% | 14.36% | 14.57% | 14.76% | 14.39% | 12.16% | 11.98% | -260 bps | |
| Net Interest Margin | 5.29% | 5.11% | 4.84% | 5.00% | 4.95% | 4.89% | 4.78% | 4.86% | -14 bps | |
| Efficiency Ratio | 34.93% | 35.16% | 40.28% | 39.32% | 38.36% | 38.79% | 40.74% | 39.76% | +44 bps | |
| Non-Interest Burden | 1.75% | 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 / Loans | 0.25% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.07% | -0.05% | 0.02% | 0.01% | -0.01% | 0.01% | 0.06% | +4 bps | |
| Allowance / Loans | 0.28% | 0.27% | 0.30% | 0.26% | 0.25% | 0.25% | 0.25% | 0.25% | -2 bps | |
| Allowance Coverage of NPLs | 1.1x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.76% | 14.39% | 15.09% | 15.87% | 16.10% | 16.39% | 16.76% | 17.32% | +145 bps | |
| Total Risk-Based Capital | 14.04% | 13.88% | 15.10% | 14.99% | 15.09% | 15.62% | 15.73% | 15.31% | +32 bps | |
| Equity / Assets | 14.75% | 14.70% | 15.85% | 16.06% | 16.03% | 16.54% | 16.89% | 16.66% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.92% | 107.26% | 108.04% | 120.14% | 122.47% | 114.43% | 111.55% | 124.24% | +410 bps | |
| Liquid Assets / Assets | 4.86% | 3.85% | 4.27% | 2.70% | 3.31% | 4.23% | 3.87% | 3.76% | +106 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 541% | 510% | 496% | n/a | n/a | |