# NORTHEAST COMMUNITY BANK
WHITE PLAINS, NY · FDIC certificate 29147 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.11B | |
| Deposits | $1.54B | |
| Loans and leases | $1.92B | |
| Total equity | $351.7M | |
| Loans / deposits | 123.94% (p98 of band) | 87.10% |
| Liquid assets / assets | 5.53% (p1 of band) | |
| Uninsured deposits / deposits | 28.03% (p42 of band) | 30.76% |
| Brokered deposits | 11.43% | |
| Wholesale funding | 20.71% (p90 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.32% (p96 of band) | 10.50% |
| Unrealized securities loss / equity | -8.50% (p47 of band) | -7.75% |
| AOCI / equity | 0.01% (p79 of band) | |
| ROA (annualized) | 2.00% (p88 of band) | 1.26% |
| Net interest margin | 4.93% (p94 of band) | 3.70% |
| Efficiency ratio | 39.76% (p8 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.05% (p63 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 92% | |
| Construction % of loans | 398.49% (p100 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 151 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | liquid assets <10% |
| 2011-12 | 2 | capital falling | loans exceed deposits |
| 2012-03 | 3 | expense ratio p90 |  |
| 2012-06 | 4 | loans exceed deposits, charge-offs p90 | capital falling |
| 2012-09 | 5 | losing money |  |
| 2012-12 | 7 | capital falling, deposits shrinking, assets shrinking | reserve under noncurrent |
| 2013-03 | 6 | liquid assets <10%, reserve under noncurrent | charge-offs p90, losing money, capital falling |
| 2013-06 | 4 |  | deposits shrinking, reserve under noncurrent |
| 2013-09 | 3 |  | assets shrinking |
| 2013-12 | 5 | capital falling, reserve under noncurrent |  |
| 2014-03 | 4 |  | capital falling |
| 2014-06 | 4 |  |  |
| 2014-09 | 5 | capital falling |  |
| 2014-12 | 4 |  | expense ratio p90 |
| 2015-03 | 6 | losing money, expense ratio p90, charge-offs p90 | reserve under noncurrent |
| 2015-06 | 4 | reserve under noncurrent | losing money, expense ratio p90, charge-offs p90 |
| 2015-09 | 3 |  | reserve under noncurrent |
| 2015-12 | 4 | construction >100% equity |  |
| 2016-03 | 4 | wholesale funding >15% | liquid assets <10% |
| 2016-06 | 6 | liquid assets <10%, reserve under noncurrent |  |
| 2016-09 | 5 |  | wholesale funding >15% |
| 2016-12 | 5 |  |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 4 |  | capital falling |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 5 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2018-12 | 3 |  | capital falling, charge-offs p90 |
| 2019-03 | 2 |  | liquid assets <10% |
| 2019-06 | 1 |  | loans exceed deposits |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 5 | deposits shrinking, assets shrinking |  |
| 2020-12 | 3 |  | deposits shrinking, assets shrinking |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2021-09 | 3 | loans exceed deposits, charge-offs p90 |  |
| 2021-12 | 2 |  | loans exceed deposits |
| 2022-03 | 3 | loans exceed deposits, capital falling | charge-offs p90 |
| 2022-06 | 3 | liquid assets <10% | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 6 | brokered >10%, capital falling, uninsured deposits leaving |  |
| 2023-06 | 6 | wholesale funding >15% | uninsured deposits leaving |
| 2023-09 | 6 |  |  |
| 2023-12 | 7 | uninsured deposits leaving |  |
| 2024-03 | 5 |  | capital falling, uninsured deposits leaving |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 6 | deposits shrinking |  |
| 2025-12 | 5 |  | deposits shrinking |
| 2026-03 | 5 |  |  |
| 2026-06 | 5 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-18 [NorthEast Community Bancorp, Inc. Announces Increased Quarterly Cash Dividend - GlobeNewswire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOYk9iWHpNVXotNk1XZ3drVDJJTW1pd2FieGNXc3g5bjd6MWVvTEpZLXZEZmNyODgyQXhkMnJuaHMxLWstUTBsSmx4SGUzSDlydnBXVXpSYV8tM3EyeDF5VldkTmVoaXNielUtOEI3Uk5mQjRwcDhhMVBEU1ZrRTFFMXBiblBNelFIeTB6UlF6MjE3S3VTSnpxdUV5ZXhBa2lwSDhPbURtazhQbktwY3l5Sk5tbWlwNnMtNEh5OXJBNkVDangyUEtYODlVb2xNR3c3a0pXOVdKd1ZXNG8xTXNBWg?oc=5) · GlobeNewswire
- 2026-04-29 [NorthEast Community Bancorp, Inc. Reports Results for the Three Months Ended March 31, 2026 - GlobeNewswire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxOX20wMVMxU3p4NVB0amVIX0FFMUktRU9tN2Ewb0IxNzBUc0dXNl9ZOFd4aU5CN1FUQXZKMGU2amI4WnlCSkIycmRrV2R4MGx4WS1scV8xT2VZSk9MVmEtYzZxTmZOMEJIdGNXVDVsVlZXWW1yaUV5NmhiZEFtYjVnbzZpYVFZRFlDbnk3RXFuU2NhUkxLMnc1ejU5a3kyNWl4THUxaFBQbHhKWU4xN2VvUktoSGNWWWtkdzJHUEV0dzg2bElTV0liVW5XOW52clA3Njc2czZhMFdqSDF5RzdxZEdsSUlzTEhJUUI2SU5RdjFiUQ?oc=5) · GlobeNewswire
- 2026-02-19 [NorthEast Community Bancorp, Inc. Announces Date of 2026 Annual Meeting of Stockholders - GlobeNewswire](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNYnZuNUJpX2t6dFdCamZjbFY1M2NFSlk5bjFDYTdjQkdYREd6M05XOGxlc1Z4WXdNbi1KYUk2ZjkxYXYweXJfTmRCLVNnbkZFeFQ3c082cmR0b190YWNnaEU1SVFCX0xLMHZBM2w2YS1GUUZrRTlqUi1nTnpKQkJZSi1yZFJBWEs2bmI4R180b0NOVUFqLVlvYjVZRnN0QzVxSjc4eVp4bEpwbkI5X0x0bUt3RHV2OTJwbS1ObEZla3ZzRWpINl9wSzZvUlFZd0xITTZnY1hYUEY3VUNtejNCNFkyZEJKVnhqRVZwb2NR?oc=5) · GlobeNewswire
- 2026-03-18 [S&P Global Market Intelligence Releases Annual Rankings of Best-Performing U.S. Community Banks, Public Banks and Credit Unions for 2025 - PR Newswire](https://news.google.com/rss/articles/CBMilwJBVV95cUxOd3FSNXI3TTA4YXh1NUlHem1wQTRBMlZpUHhXSktKSTFTdy1aSFFVcjJYbnlJYUx0V1VXOXpfVk9FdHFDNTByUEJWeWxGZHF5Y0FpeWNwMmFLZ2NISGYxOGRPVzhHbEZDYWR4aXhXQ0tvUENONDVuZVZRbFc0RVdXd2lzMWtkQmRmYUxRUDktcXQzWmRZeVloRkhJYVBGQU82MTdVbzlvS3p5cEFjcU9NQ0s1MVZQUm9wanNmZmFDVFdCeUUzVU1qeVU1ZFg5aFNrLXZPdEVzazhoNmdYUEhfOXJXNENaYXhkTmlSU0lYQ2RUYjFTdWxIV1JDb1JuZmR3WDJPbmUxeHp2cG5fX29BR01HTlAzNkU?oc=5) · PR Newswire
- 2026-09-04 [Northeast Community Bancorp Inc (NASDAQ: NECB) Share Price, NECB Stock News, NECB Share Price & Updates - kalkine.com.au](https://news.google.com/rss/articles/CBMiVkFVX3lxTE9vcjhnOHFEd051VDdELU5TY2hjVENhaTY1VjAxekxWOGNUWU9BdFcycGJxdG1VeGxScG56d2dVby1TRGtfeGtFTXJlU2NuelM5T0l2S2RR?oc=5) · kalkine.com.au
- 2025-08-21 [NorthEast Community Bancorp, Inc. Declares Special Cash Dividend of $0.20 Per Share | NECB Stock News - Quiver Quantitative](https://news.google.com/rss/articles/CBMivAFBVV95cUxNbmp6dEZUU0xyaGJ6cTh3b1gwTE9tRllOMW5CZ2EtU1pCSm9TdWRLTmdVOGNwZDhFN1FaRlNBM0J5dUJyRGcxWkcwXzF4SDZuOEpWdGxmd0RvdXZHRVhtaWt0cGlmZnhlQ3lRWnVQbmNoRVBCeGo1cGhwbkM1LTZ6TnhlUlZmWUNBZThaVWxrNmxpQmYxS0JQZXhDV1gtazQxUHUwdmFjUXVHbWJBUnduU1VwakNCWlJQM1hLRQ?oc=5) · Quiver Quantitative
- 2019-06-20 [NorthEast Community Bancorp, Inc. Announces Quarterly Cash Dividend - GlobeNewswire](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPalpOOXFVQWNrMHFNNTVRbnVOUG84VlR3MkRvYVpVel8zYXFpdnFNNnh4Q2l2VmgtVG5ad2xrZXBEQ1FrM0VkYUh2T2k1OUNrWDhENm1jNWdTV1Q3b2xEcXp6RDJXV1N1UEo5MUFkTU03M1NxckREcHpDMGtQZnpPYWl1S0otbjY5Y3dIM21heVBtNVdLdVpPY0JiQjhoeDB6bTZSUDJrZE02ZWNvcW05TEVMc3lmUFNqOERELWRqM28xbzZ3ZzJWelVNdFE2eWpuRmtR?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29147 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "29147", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide