TellerScore

Headquartered in White Plains, New York, NorthEast Community Bank is a si with $2.1B in total assets and $1.5B in deposits as of Q2 2026. It operates 12 offices across 2 states. Its charter dates back to 1934.

NorthEast Community Bank has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 6th. Capital cushion contributes the most (100/100, 17.32%); funding & liquidity contributes the least (36/100, 124% loans-to-deposits, 28% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 17.32%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.00%
Funding & liquidity36/100
Loans ÷ deposits and uninsured-deposit share: 123.9% · 28.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (91 → 90).

TellerScore
878991Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202489
Q4 202490
Q1 202591
Q2 202591
Q3 202591
Q4 202591
Q1 202691
Q2 202690
Tier 1 leverage ratio
5.00%11.16%17.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.37%
Q3 202414.76%
Q4 202414.39%
Q1 202515.09%
Q2 202515.87%
Q3 202516.10%
Q4 202516.39%
Q1 202616.76%
Q2 202617.32%
Noncurrent loans
0.00%0.13%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.26%
Q3 20240.25%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
2.00%2.33%2.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.65%
Q3 20242.65%
Q4 20242.52%
Q1 20252.19%
Q2 20252.26%
Q3 20252.31%
Q4 20252.28%
Q1 20262.03%
Q2 20262.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$2.1B17.32%0.00%2.00%123.9%
Q1 202691$2.0B16.76%0.00%2.03%111.3%
Q4 202591$2.1B16.39%0.00%2.28%114.1%
Q3 202591$2.1B16.10%0.00%2.31%122.2%
Q2 202591$2.0B15.87%0.00%2.26%119.8%
Q1 202591$1.9B15.09%0.00%2.19%107.7%
Q4 202490$2.0B14.39%0.00%2.52%107.0%
Q3 202489$2.0B14.76%0.25%2.65%106.6%
Q2 202487$1.9B14.37%0.26%2.65%107.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.32%
97th
Total risk-based capital15.31%
70th
Problem loans0.00%
98th
Net charge-offs0.06%
40th
Return on assets2.00%
88th
Net interest margin4.93%
94th
Efficiency ratio39.8%
92nd
Loans to deposits123.9%
2nd
Uninsured deposits28.0%
58th
Loan-loss reserves0.25%
2nd
Texas ratio0.0%
98th

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Deposit insurance

Is my money safe at NorthEast Community Bank?

Yes. NorthEast Community Bank is an FDIC-insured institution (FDIC certificate #29147). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.0% of deposits ($432.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 17.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.31% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

NorthEast Community Bank lists 12 offices in 12 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, NorthEast Community Bank reported 40 home-loan applications under HMDA (LEI 984500I870D8FFWCE112): 39 originated ($121,095,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
NorthEast Community Bank
Former names
Fourth Federal Savings Bank; Fourth Federal Savings and Loan Association of New York
Type
SI
FDIC certificate #
29147
RSSD ID
823478
Primary regulator
FDIC
Holding company
Northeast Community Bcorp Inc
Established
September 1, 1934
Headquarters
325 Hamilton Ave, White Plains, NY 10601
Employees
151

Quick answers

NorthEast Community Bank: common questions

Is NorthEast Community Bank FDIC insured?

Yes. NorthEast Community Bank is an FDIC-insured institution (FDIC certificate #29147). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is NorthEast Community Bank's TellerScore?

90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has NorthEast Community Bank ever failed?

There is no failure record for FDIC certificate #29147 in the FDIC failed bank list.

How many branches does NorthEast Community Bank have?

12 offices as of the latest FDIC data, in 2 states.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Gha Federal Credit UnionCredit union Greenwich, CT91 out of 100, Very strong$29.7M17.5%0.56%vs
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