Northeast Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Northeast Community Bank is an FDIC-insured savings bank headquartered in White Plains, NY, established in 1934 (FDIC certificate 29147), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.11B, up 7.2% from Q2 2025, the 38th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 15.05% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29147
- Headquarters
- White Plains, NY
- Established
- 1934
- Total assets, Q2 2026
- $2.11B
- Assets vs Q2 2025
- +7.2%
- CET1 ratio, Q2 2026
- 15.05%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 226072511
- Latest call report
- Q2 2026, FFIEC 051 · Northeast Community Bank call report
- Holding company
- NORTHEAST COMMUNITY BANCORP, INC.
- Asset rank in state
- 38th of 105 in New York
Northeast Community Bank runs leaner than most banks of its size. Based in White Plains, New York, it had $2.1 billion in assets at June 30, 2026, up 7.2% from a year earlier. It spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also keeps 5.12 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
Net income for the quarter slipped 10% from a year earlier, to $10 million. Over the same year, loans grew 6.9% and deposits grew 3.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 5.1 times its capital, about double the median of 2.2 times for banks its size.
As of June 30, 2026, Northeast Community Bank reported a CET1 capital ratio of 15.05%, a return on assets of 2.05%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Northeast Community Bank is the 38th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.5% to $2.11B, loans rose 5.1% and deposits fell 5.7%. Construction and land development loans made up 73.1% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 17.0%. The FDIC Summary of Deposits lists 12 offices for it, in 12 cities across 2 states; its White Plains office books 25% of its branch deposits. On its Q2 2026 call report, Northeast Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 325 Hamilton Ave, White Plains, NY 10601
- County
- Westchester
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 1, 1934
- Former names
- Fourth Federal Savings Bank (1989-2006)
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 151
- Domestic deposits
- $1.54B
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- $547K
- Average total assets
- $2.00B
- Average total loans
- $1.82B
- Average interest-bearing deposits
- $1.24B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29147
- Fed RSSD
- 823478
- SEC CIK
- 1847398 → filed by NORTHEAST COMMUNITY BANCORP, INC.
- Parent Holding Company
- NORTHEAST COMMUNITY BANCORP, INC. (RSSD 3435742) · NECB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kenneth A Martinek | CEO | Chairman and CEO |
| Jose M Collazo | PRES | President and COO |
| Donald S Hom | CFO | EVP and CFO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Northeast Community Bank's total assets moved between a low of $1.70B (Q3 2023) and a high of $2.11B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.11B total assets against $1.97B; $1.76B total liabilities against $1.65B.
$1.91B net loans and leases against $1.79B; $1.54B total deposits against $1.49B.
$45.2M securities against $39.9M; $71.8M cash and balances due against $58.4M.
$36.0M total interest income against $37.8M; $11.5M total interest expense against $13.0M.
$24.5M net interest income against $24.8M.
$765K total noninterest income against $807K; $9.8M total noninterest expense against $9.8M.
$861K provision for credit losses against $0.
$10.3M net income against $11.5M.
2.05% return on assets against 2.35%; 5.12% net interest margin against 5.33%.
15.05% CET1 capital ratio against 14.71%; 17.32% tier 1 leverage ratio against 15.87%.
Inside the full Northeast Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Northeast Community Bank rankings
Its closest position to the top of a national ranking is 165 of 3,606, for efficiency ratio; its furthest is 3,359 of 3,640, for Texas Ratio.
Metric pages for Northeast Community Bank: Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.05% (Q2 2026) to 2.66% (Q3 2024) and its net interest margin ran from 4.98% (Q1 2026) to 5.62% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.05% | 2.05% | 0.00% | 0.00% | 5.12% |
| Q1 2026 | 15.47% | 2.06% | 0.00% | 0.00% | 4.98% |
| Q4 2025 | 15.36% | 2.19% | 0.00% | 0.00% | 5.16% |
| Q3 2025 | 14.83% | 2.43% | 0.00% | 0.16% | 5.36% |
| Q2 2025 | 14.71% | 2.35% | 0.00% | 0.24% | 5.33% |
| Q1 2025 | 14.79% | 2.17% | 0.00% | 1.66% | 5.06% |
| Q4 2024 | 13.61% | 2.10% | 0.00% | 1.72% | 5.24% |
| Q3 2024 | 13.76% | 2.66% | 0.25% | 1.84% | 5.62% |
Swipe the table sideways to see every column.
Branch Network
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Northeast Community Bank (main office) | White Plains , NY | 10601 | $389.1M |
| Spring Valley Branch | Spring Valley , NY | 10977 | $215.0M |
| 590 East 187th Street Branch | Bronx , NY | 10458 | $158.9M |
| Kiryas Joel Branch | Kiryas Joel , NY | 10950 | $143.1M |
| Monroe Branch Office | Monroe , NY | 10950 | $130.2M |
| Monsey Branch Office | Monsey , NY | 10952 | $119.6M |
| 1355 First Avenue Branch | New York , NY | 10021 | $91.3M |
| Quincy Branch Office Branch | Quincy , MA | 02169 | $77.9M |
| 87 Elm Street Branch | Danvers , MA | 01923 | $67.3M |
| Bloomingburg Branch Office | Bloomingburg , NY | 12721 | $61.1M |
| West 23rd Branch | New York City , NY | 10011 | $52.4M |
| Framingham Branch Office Branch | Framingham , MA | 01701 | $37.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 68 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 40 applications, 39 loans originated, $121.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $80K approved, $80K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Northeast Community Bank
What are Northeast Community Bank's total assets?
As of the Q2 2026 filing, Northeast Community Bank reported total assets of $2.11 billion in its FFIEC call report.
Where is Northeast Community Bank headquartered?
It is headquartered in White Plains, NY, United States.
When was Northeast Community Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Northeast Community Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29147). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northeast Community Bank?
Northeast Community Bank's primary federal regulator is the FDIC.
What is Northeast Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.05% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Northeast Community Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Northeast Community Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Northeast Community Bank previously called?
The charter now named Northeast Community Bank has also operated as Fourth Federal Savings Bank (1989-2006), per FDIC structure-change records.
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