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NorthEast Community Bank

$1B-$10B Specialty: Commercial NY FDIC cert 29147

Designations: ✓ Community bank

White Plains, NY

12 branches across NY · MA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
  • Deposits +3.4% year over year ($1.5B on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.00%.
  • Efficiency ratio 39.76% vs a 59.73% peer average.
  • Loan-to-deposit ratio 123.94% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 40 in NY
View $1B-$10B leaderboard (NY) →

NorthEast Community Bank has 5 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 1.05% above tier average
  • + Efficiency Ratio 19.97% below tier average
  • + Delinquency Rate 0.87% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.61% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 72.9% in tier
  • - Loan-to-Deposit Ratio 38.90% above tier average
  • - Non-Interest Income / Assets 0.45% below tier average
Get updates when NorthEast Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $2.1B
+7.2% YoY +4.5% QoQ
-$682.2M $2.8B
-0.6% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $1.9B
+7.0% YoY +5.1% QoQ
-$50.1M $2.0B
-0.3% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
65%
Total Deposits ? $1.5B
+3.4% YoY -5.7% QoQ
-$775.3M $2.3B
-0.5% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 2.00%
-11.7% YoY -1.6% QoQ
+0.61% 1.39%
+17.0% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
Top 11.8% in tier
Net Interest Margin ? 4.93%
-5.8% YoY -0.2% QoQ
+1.05% 3.87%
+6.2% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
Top 6.3% in tier
Efficiency Ratio ? 39.76%
+1.1% YoY -2.4% QoQ
-19.97% 59.73%
-12.6% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
Top 7.1% in tier
Delinquency Rate ? 0.00% -0.87% 0.87%
+11.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 123.94%
+3.4% YoY +11.4% QoQ
+38.90% 85.04%
-0.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 1.5% in tier
Non-Interest-Bearing Deposit Share ? 21.54%
+6.7% YoY +14.8% QoQ
+0.27% 21.27%
-1.5% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
59%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+11.7% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 15.05%
+2.3% YoY -2.7% QoQ
+0.21% 14.84%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
74%
Non-Interest Income / Assets ? 0.08%
-10.0% YoY +75.6% QoQ
-0.45% 0.53%
+2.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
Bottom 6.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 21.5%
+1.4pp YoY
+2.8pp QoQ
 +0.2pp 21.4% 22.1% 22.2% 58%
Brokered Deposits 15.6%
-4.9pp YoY
-4.5pp QoQ
 +6.2pp 9.5% 8.0% 8.5% 83%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 7.9%
+1.0pp YoY
-0.4pp QoQ
 -6.1pp 14.0% 11.0% 12.5% 33%
CRE 92.2%
-1.0pp YoY
+0.4pp QoQ
 +42.2pp 50.0% 46.2% 41.4% 99%
1-4 Family 0.2%
0.0pp YoY
0.0pp QoQ
 -26.3pp 26.4% 36.6% 31.3% 0%
Consumer n/a n/a 4.7% 5.1% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 15.1%
+0.3pp YoY
-0.4pp QoQ
 -0.5pp 15.6% 26.1% 19.7% 70%
Leverage Ratio 17.3%
+1.5pp YoY
+0.6pp QoQ
 +6.0pp 11.3% 13.9% 12.6% 97%
Total Capital Ratio 15.3%
+0.3pp YoY
-0.4pp QoQ
 -1.4pp 16.7% 27.2% 20.8% 61%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 151
+10 (+7.1%) YoY
+5 (+3.4%) QoQ
 -163 313 914 482 23%
Assets per Employee ($) $14.0M
+0.1% YoY
+1.1% QoQ
 +$3.5M $10.5M $14.8M $8.8M 87%
Branch Count 12
0 YoY
0 QoQ
 -8 20 27 18 39%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual n/a n/a 0.8% 1.3% 1.0% n/a
Allowance Coverage n/a n/a 18.71x 1.92x 20.23x n/a
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 58%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 12.0%
-2.6pp YoY
-0.2pp QoQ
 -0.6pp 12.6% 7.9% 11.6% 49%
Cost of Funds (YTD) 2.4%
-0.5pp YoY
-0.1pp QoQ
 +0.5pp 1.9% 1.8% 1.7% 81%
Net Income ($, YTD) $20.6M
-7.0% YoY
— QoQ
 +$1.4M $19.2M $111.2M $40.4M 71%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline
#63 of 85 • Bottom 72.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 2.00%
(Tier: 1.39%, National: 1.30%)
better than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.87%
#1 of 882 Top 0.1% in $1B-$10B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 885 Top 0.1% in $1B-$10B
57
Net Interest Margin
profitability
Value: 4.93%
Peer Median: 3.87%
#57 of 885 Top 6.3% in $1B-$10B
64
Efficiency Ratio
profitability
Value: 39.76%
Peer Median: 59.73%
#64 of 885 Top 7.1% in $1B-$10B
105
Return on Assets
profitability
Value: 2.00%
Peer Median: 1.39%
#105 of 885 Top 11.8% in $1B-$10B

Top Weaknesses (2 metrics)

873
Loan-to-Deposit Ratio
liquidity
Value: 123.94%
Peer Median: 85.04%
#873 of 885 Bottom 1.5% in $1B-$10B
830
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.53%
#830 of 885 Bottom 6.3% in $1B-$10B
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