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Apr 30, 2026·SEC
Material company update
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Northeast Community Bancorp, Inc.(NECB)Earnings, Financials & Key Ratios
NECB•NASDAQ•Banking & Credit
7.9× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutNortheast Community Bancorp, Inc. operates as the holding company for NorthEast Community Bank that provides financial services for individuals and businesses. It accepts various deposit instruments, including checking accounts, money market accounts, regular savings accounts, and non-interest bearing demand accounts. The company also offers construction, commercial and industrial, multifamily and mixed-use real estate, non-residential real estate loans, and consumer loans. In addition, it invests in various types of liquid assets, including U.S. Treasury obligations, municipal securities, deposits at the Federal Home Loan Bank of New York, and certificates of deposit of federally insured institutions, as well as securities of various federal agencies, and of state and municipal governments. Further, the company offers investment advisory and financial planning services; and life insurance products and fixed-rate annuities. It operates seven full-service branches in New York and three full-service branches in Massachusetts; and loan production offices in White Plains and New City, New York, as well as Danvers, Massachusetts. The company was founded in 1934 and is based in White Plains, New York.Show more
- Net Interest Income$101M-2.0%
- Total Revenue$157M-1.6%
- Net Income$44M-5.7%
- Return on Equity13.26%-15.8%
- Net Interest Margin4.88%-4.6%
- Efficiency Ratio26.58%+17.6%
- ROA2.18%-12.6%
- Equity / Assets17.04%+7.6%
- Book Value per Share25.75+8.1%
NECB Key Insights
Northeast Community Bancorp, Inc. (NECB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 29.2%
- ✓Strong NIM of 4.9%
- ✓Efficient operations: 26.6% efficiency ratio
- ✓Well capitalized: 17.0% equity/assets
- ✓Good 3Y average ROE of 15.4%
- ✓Healthy dividend yield of 3.8%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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NECB Price & Volume
Northeast Community Bancorp, Inc. (NECB) stock price & volume — 10-year historical chart
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NECB Growth Metrics
Northeast Community Bancorp, Inc. (NECB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years20.63%
5 Years25.01%
3 Years28.84%
TTM-
Profit CAGR
10 Years34.21%
5 Years29.22%
3 Years21.37%
TTM-5.65%
EPS CAGR
10 Years32.16%
5 Years33.73%
3 Years27.18%
TTM-7.39%
Return on Capital
10 Years10.62%
5 Years14.42%
3 Years18.11%
Last Year16.2%
NECB Recent Earnings
Northeast Community Bancorp, Inc. (NECB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (70%)●Beat Revenue 3/12 qtrs (30%)
Q2 2026Latest
Apr 29, 2026Metric
Actual
Est
EPS
$0.74-1.3%
$0.75
Rev
$25M-5.6%
$26M
Q2 2026
Mar 13, 2026Metric
Actual
Est
EPS
$0.79
—
Rev
$39M
—
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.79-7.1%
$0.85
Rev
$26M-2.6%
$27M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.87+3.6%
$0.84
Rev
$26M-4.3%
$27M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.74vs $0.75-1.3% | $25Mvs $26M-5.6% |
| Q2 2026 | Mar 13, 2026 | $0.79 | $39M |
| Q1 2026 | Jan 28, 2026 | $0.79vs $0.85-7.1% | $26Mvs $27M-2.6% |
| Q4 2025 | Oct 23, 2025 | $0.87vs $0.84+3.6% | $26Mvs $27M-4.3% |
Based on last 12 quarters of dataView full earnings history →
NECB Peer Comparison
Northeast Community Bancorp, Inc. (NECB) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 TRST | 925.2M | 52.24 | 16.07 | 5.77% | 21.97% | 8.86% | 0.28 | |
 NFBK | 601.82M | 14.41 | 727.78 | -26.69% | 0.3% | 0.11% | 1.44 | |
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 DCOM | 1.72B | 39.00 | 16.46 | 13.03% | 15.15% | 7.67% | 0.25 | |
 KRNY | 532.62M | 8.47 | 20.17 | 5.09% | 9.41% | 4.31% | 1.68 | |
 MNSB | 175.75M | 23.86 | 13.56 | -1.44% | 11.53% | 7.26% | 0.32 | |
 FNF | 12.6B | 46.82 | 21.19 | 8.61% | 5.15% | 8.5% | 0.53 |
Compare NECB vs Peers
Northeast Community Bancorp, Inc. (NECB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NECB Income Statement
Northeast Community Bancorp, Inc. (NECB) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 30.81M | 38.34M | 39.65M | 39M | 43.3M | 63.88M | 97.19M | 102.79M | 100.74M |
NII Growth % | 32.78% | 24.44% | 3.4% | -1.63% | 11.03% | 47.51% | 52.16% | 5.76% | -2% |
Net Interest Margin % | 3.78% | 4.4% | 4.15% | 4.03% | 3.53% | 4.48% | 5.51% | 5.12% | 4.88% |
Interest Income | 37.34M | 47.82M | 54.68M | 48.98M | 48.4M | 72M | 132.49M | 160.01M | 154.12M |
Interest Expense | 6.53M | 9.48M | 15.03M | 9.98M | 5.1M | 8.13M | 35.3M | 57.22M | 53.38M |
Loan Loss Provision | 51K | 1.11M | 727K | 814K | 3.61M | 439K | 972K | 740K | -97K |
Non-Interest Income | 2.71M | 2.71M | 3.02M | 2.57M | 2.35M | 1.58M | 1.22M | -168K | 3.25M |
Non-Interest Income % | 6.76% | 5.37% | 5.24% | 4.99% | 4.62% | 2.15% | 0.91% | -0.11% | 2.06% |
Total Revenue | 40.04M▲ 0% | 50.53M▲ 26.2% | 57.7M▲ 14.2% | 51.55M▼ 10.7% | 50.75M▼ 1.6% | 73.59M▲ 45.0% | 133.7M▲ 81.7% | 159.84M▲ 19.6% | 157.37M▼ 1.6% |
Revenue Growth % | 30.18% | 26.2% | 14.19% | -10.66% | -1.55% | 45% | 81.7% | 19.55% | -1.55% |
Non-Interest Expense | 18.94M | 23.13M | 25.01M | 25.15M | 26.47M | 30.59M | 32.69M | 36.11M | 41.82M |
Efficiency Ratio | 47.3% | 45.77% | 43.35% | 48.78% | 52.15% | 41.57% | 24.45% | 22.59% | 26.58% |
Operating Income | 14.53M▲ 0% | 16.81M▲ 15.7% | 17.09M▲ 1.6% | 15.61M▼ 8.6% | 15.57M▼ 0.2% | 34.43M▲ 121.1% | 64.74M▲ 88.0% | 65.77M▲ 1.6% | 62.26M▼ 5.3% |
Operating Margin % | 36.28% | 33.27% | 29.61% | 30.28% | 30.69% | 46.79% | 48.42% | 41.15% | 39.56% |
Operating Income Growth % | 78.35% | 15.73% | 1.62% | -8.63% | -0.24% | 121.07% | 88.04% | 1.59% | -5.34% |
Pretax Income | 14.53M▲ 0% | 16.81M▲ 15.7% | 16.93M▲ 0.7% | 15.61M▼ 7.8% | 15.57M▼ 0.2% | 34.43M▲ 121.1% | 64.74M▲ 88.0% | 65.77M▲ 1.6% | 62.26M▼ 5.3% |
Pretax Margin % | 36.28% | 33.27% | 29.34% | 30.28% | 30.69% | 46.79% | 48.42% | 41.15% | 39.56% |
Income Tax | 6.48M | 3.79M | 3.98M | 3.28M | 3.67M | 9.59M | 18.46M | 18.7M | 17.85M |
Effective Tax Rate % | 44.59% | 22.51% | 23.49% | 21.02% | 23.56% | 27.84% | 28.52% | 28.43% | 28.66% |
Net Income | 8.05M▲ 0% | 13.03M▲ 61.8% | 12.95M▼ 0.6% | 12.33M▼ 4.8% | 11.9M▼ 3.4% | 24.84M▲ 108.7% | 46.28M▲ 86.3% | 47.07M▲ 1.7% | 44.41M▼ 5.7% |
Net Margin % | 20.1% | 25.78% | 22.45% | 23.92% | 23.46% | 33.76% | 34.61% | 29.45% | 28.22% |
Net Income Growth % | 60.14% | 61.83% | -0.57% | -4.82% | -3.44% | 108.68% | 86.27% | 1.72% | -5.65% |
Net Income (Continuing) | 8.05M | 13.03M | 12.95M | 12.33M | 11.9M | 24.84M | 46.28M | 47.07M | 44.41M |
EPS (Diluted) | 0.67▲ 0% | 1.09▲ 62.7% | 1.08▼ 0.9% | 0.76▼ 29.6% | 0.75▼ 1.3% | 1.58▲ 110.7% | 3.32▲ 110.1% | 3.52▲ 6.0% | 3.25▼ 7.7% |
EPS Growth % | 59.52% | 62.69% | -0.92% | -29.63% | -1.32% | 110.67% | 110.13% | 6.02% | -7.67% |
EPS (Basic) | 0.67 | 1.09 | 1.08 | 0.76 | 0.75 | 1.61 | 3.32 | 3.58 | 3.35 |
Diluted Shares Outstanding | 11.98M | 12M | 12.03M | 16.15M | 15.85M | 15.73M | 13.94M | 13.36M | 13.66M |
NECB Balance Sheet
Northeast Community Bancorp, Inc. (NECB) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 0 | 60.22M | 127.78M | 69.29M | 152.37M | 95.41M | 68.77M | 78.36M | 81.28M |
Cash & Due from Banks | 0 | 51.35M | 127.78M | 69.29M | 152.37M | 95.41M | 68.77M | 78.36M | 81.28M |
Short Term Investments | 0 | 8.77M | 5K | 2K | 1K | 1K | 0 | 0 | 0 |
Total Investments | 35.49M | 762.65M | 767.08M | 837.45M | 1.01B | 1.26B | 1.62B | 1.84B | 1.9B |
Investments Growth % | -94.4% | 2048.8% | 0.58% | 9.17% | 20.12% | 24.93% | 28.58% | 14.15% | 3.04% |
Long-Term Investments | 35.49M | 753.88M | 767.08M | 837.45M | 1.01B | 1.26B | 1.62B | 1.84B | 1.9B |
Accounts Receivables | 0 | 4.13M | 3.96M | 3.84M | 4.28M | 8.6M | 12.31M | 13.48M | 12.16M |
Goodwill & Intangibles | 850K | 789K | 749K | 651K | 651K | 200K | 0 | 0 | 0 |
Goodwill | 749K | 749K | 749K | 651K | 651K | 200K | 0 | 0 | 0 |
Intangible Assets | 101K | 40K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PP&E (Net) | 13.05M | 15.45M | 20.14M | 22.13M | 26.83M | 28.73M | 30.37M | 29.15M | 30.38M |
Other Assets | 713.51M | 35.86M | 35.47M | 34.86M | 35.02M | 35.37M | 36.92M | 44.21M | 39.21M |
Total Current Assets | 49.44M | 64.35M | 131.74M | 73.13M | 156.65M | 104.01M | 81.08M | 91.84M | 93.43M |
Total Non-Current Assets | 766.09M | 813.95M | 823.44M | 895.09M | 1.07B | 1.32B | 1.68B | 1.92B | 1.97B |
Total Assets | 815.52M▲ 0% | 871.69M▲ 6.9% | 955.17M▲ 9.6% | 968.22M▲ 1.4% | 1.23B▲ 26.5% | 1.42B▲ 16.3% | 1.76B▲ 23.8% | 2.01B▲ 13.9% | 2.06B▲ 2.7% |
Asset Growth % | 10.98% | 6.89% | 9.58% | 1.37% | 26.53% | 16.32% | 23.8% | 13.91% | 2.68% |
Return on Assets (ROA) | 1.04% | 1.54% | 1.42% | 1.28% | 1.09% | 1.87% | 2.9% | 2.49% | 2.18% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 17.32M |
Total Debt | 62.87M | 42.46M | 22.58M | 31.57M | 31.1M | 23.9M | 69.2M | 4.72M | 75.23M |
Net Debt | 62.87M | -8.99M | -105.19M | -37.72M | -121.27M | -71.51M | 425K | -73.64M | -6.04M |
Long-Term Debt | 22.46M | 42.46M | 21M | 28M | 28M | 21M | 64M | 0 | 70M |
Short-Term Debt | 40.41M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | 209.59M | 0 | 11.32M | 11.12M | 15.42M | 17.12M | 15.58M | 16.15M | 2.35M |
Total Current Liabilities | 465.87M | 687.1M | 779.16M | 771.71M | 927.16M | 1.12B | 1.4B | 1.67B | 1.63B |
Total Non-Current Liabilities | 232.76M | 53.61M | 33.9M | 42.69M | 46.52M | 41.02M | 84.77M | 20.86M | 77.58M |
Total Liabilities | 698.63M | 740.71M | 813.06M | 814.4M | 973.69M | 1.16B | 1.48B | 1.69B | 1.71B |
Total Equity | 116.9M▲ 0% | 129.62M▲ 10.9% | 142.11M▲ 9.6% | 153.82M▲ 8.2% | 251.38M▲ 63.4% | 261.99M▲ 4.2% | 279.32M▲ 6.6% | 318.34M▲ 14.0% | 351.7M▲ 10.5% |
Equity Growth % | 6.8% | 10.88% | 9.64% | 8.24% | 63.42% | 4.22% | 6.62% | 13.97% | 10.48% |
Equity / Assets (Capital Ratio) | 14.33% | 14.87% | 14.88% | 15.89% | 20.52% | 18.39% | 15.83% | 15.84% | 17.04% |
Return on Equity (ROE) | 7.11% | 10.57% | 9.53% | 8.33% | 5.88% | 9.68% | 17.1% | 15.75% | 13.26% |
Book Value per Share | 9.76 | 10.80 | 11.82 | 9.52 | 15.86 | 16.66 | 20.04 | 23.83 | 25.75 |
Tangible BV per Share | 9.68 | 10.74 | 11.75 | 9.48 | 15.81 | 16.65 | 20.04 | 23.83 | 25.75 |
Common Stock | 132K | 132K | 132K | 132K | 164K | 161K | 142K | 140K | 140K |
Additional Paid-in Capital | 56.83M | 56.86M | 56.9M | 56.9M | 145.34M | 136.43M | 109.92M | 110.09M | 111.58M |
Retained Earnings | 69.28M | 81.79M | 93.77M | 105.31M | 114.32M | 132.67M | 175.5M | 213.97M | 244.97M |
Accumulated OCI | -240K | -322K | -101K | -185K | -139K | 156K | 317K | 224K | 233K |
Treasury Stock | -7.03M | -7.03M | -7.03M | -7.03M | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
NECB Cash Flow Statement
Northeast Community Bancorp, Inc. (NECB) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 8.75M | 12.63M | 13.48M | 15.66M | 21.56M | 27.54M | 42.84M | 48.69M | 52.59M |
Operating CF Growth % | 61.08% | 44.29% | 6.76% | 16.2% | 37.62% | 27.76% | 55.54% | 13.66% | 8.01% |
Net Income | 8.05M | 13.03M | 12.95M | 12.33M | 11.9M | 24.84M | 46.28M | 47.07M | 44.41M |
Depreciation & Amortization | 813K | 818K | 916K | 1.07M | 1.12M | 1.25M | 1.22M | 1.19M | 1.17M |
Deferred Taxes | 1.33M | 418K | -256K | -33K | 118K | -1.31M | -367K | -467K | 326K |
Other Non-Cash Items | -1.97M | -787K | -1.42M | 76K | 3.47M | 2.84M | 56K | 711K | 745K |
Working Capital Changes | 297K | -1.14M | 983K | 1.97M | 4.01M | -1.36M | -7.4M | -3.65M | 4M |
Cash from Investing | -79.19M | -45.77M | -6.58M | -72.12M | -178.86M | -256.59M | -357.84M | -233.99M | -52.03M |
Purchase of Investments | -6.9M | -2M | -5.19M | -189K | -25.3M | -10.04M | -812K | -4.1M | -4M |
Sale/Maturity of Investments | 910K | 1.39M | 1.09M | 1.96M | 4.81M | 1.5M | 11.18M | 1.25M | 0 |
Net Investment Activity | -5.99M | -612K | -4.1M | 1.77M | -20.5M | -8.54M | 10.37M | -2.85M | -4M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -71.86M | -42.01M | 1.56M | -72.63M | -151.92M | -244.74M | -367.59M | -230.62M | -48.03M |
Cash from Financing | 70.87M | 40.89M | 69.43M | -2.03M | 240.38M | 172.09M | 288.37M | 194.89M | 2.36M |
Dividends Paid | -563K | -566K | -788K | -1.01M | -2.26M | -6.87M | -3.65M | -7.86M | -13.32M |
Share Repurchases | -217K | 0 | 0 | 0 | 0 | -9.32M | -28.71M | -3.2M | -1.58M |
Stock Issued | 0 | 0 | 0 | 0 | 95.39M | 0 | 0 | 0 | 0 |
Net Stock Activity | -217K | 0 | 0 | 0 | 95.39M | -9.32M | -28.71M | -3.2M | -1.58M |
Debt Issuance (Net) | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | 1000K | -1000K | 1000K |
Other Financing | 79.03M | 61.87M | 91.68M | -8.02M | 155.08M | 195.28M | 277.73M | 269.95M | -52.74M |
Net Change in Cash | 428K▲ 0% | 7.75M▲ 1711.0% | 76.32M▲ 884.7% | -58.48M▼ 176.6% | 83.08M▲ 242.1% | -56.96M▼ 168.6% | -26.64M▲ 53.2% | 9.59M▲ 136.0% | 2.92M▼ 69.6% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 43.17M | 43.6M | 51.35M | 127.67M | 69.19M | 152.27M | 95.31M | 68.67M | 78.26M |
Cash at End | 43.6M | 51.35M | 127.67M | 69.19M | 152.27M | 95.31M | 68.67M | 78.26M | 81.17M |
Interest Paid | 6.52M | 9.36M | 15.16M | 9.98M | 4.98M | 8.01M | 34.85M | 56.58M | 52.32M |
Income Taxes Paid | 5.34M | 4.29M | 4.76M | 3.42M | 3.57M | 9.2M | 20.72M | 22.11M | 15.44M |
Free Cash Flow | 7.41M▲ 0% | 9.48M▲ 27.9% | 9.44M▼ 0.5% | 14.4M▲ 52.6% | 15.11M▲ 4.9% | 24.23M▲ 60.4% | 42.21M▲ 74.2% | 48.17M▲ 14.1% | 50.84M▲ 5.5% |
FCF Growth % | 230.94% | 27.87% | -0.46% | 52.63% | 4.89% | 60.44% | 74.17% | 14.12% | 5.55% |
NECB Banking Ratios
Northeast Community Bancorp, Inc. (NECB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 4.69% | 7.11% | 10.57% | 9.53% | 8.33% | 5.88% | 9.68% | 17.1% | 15.75% | 13.26% |
Return on Assets (ROA) | 0.76% | 1.04% | 1.54% | 1.42% | 1.28% | 1.09% | 1.87% | 2.9% | 2.49% | 2.18% |
Net Interest Margin | 3.16% | 3.78% | 4.4% | 4.15% | 4.03% | 3.53% | 4.48% | 5.51% | 5.12% | 4.88% |
Efficiency Ratio | 55.56% | 47.3% | 45.77% | 43.35% | 48.78% | 52.15% | 41.57% | 24.45% | 22.59% | 26.58% |
Equity / Assets | 14.9% | 14.33% | 14.87% | 14.88% | 15.89% | 20.52% | 18.39% | 15.83% | 15.84% | 17.04% |
Book Value / Share | 9.14 | 9.76 | 10.8 | 11.82 | 9.52 | 15.86 | 16.66 | 20.04 | 23.83 | 25.75 |
NII Growth | 27.48% | 32.78% | 24.44% | 3.4% | -1.63% | 11.03% | 47.51% | 52.16% | 5.76% | -2% |
Dividend Payout | 11.18% | 6.99% | 4.34% | 6.08% | 8.18% | 18.99% | 27.65% | 7.89% | 16.7% | 30% |
Related:NECB Dividend History·NECB Revenue History·NECB Price History·NECB P/E History·NECB Financial Ratios·NECB Institutional Holders
NECB SEC Filings & Documents
Northeast Community Bancorp, Inc. (NECB) SEC filings — annual & quarterly reports (10-K, 10-Q)
NECB Frequently Asked Questions
Northeast Community Bancorp, Inc. (NECB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Northeast Community Bancorp, Inc. (NECB) saw revenue decline by 1.6% over the past year.
Yes, Northeast Community Bancorp, Inc. (NECB) is profitable, generating $44.4M in net income for fiscal year 2025 (28.2% net margin).
Dividend & Returns
Yes, Northeast Community Bancorp, Inc. (NECB) pays a dividend with a yield of 3.79%. This makes it attractive for income-focused investors.
Northeast Community Bancorp, Inc. (NECB) has a return on equity (ROE) of 13.3%. This is reasonable for most industries.
Industry Metrics
Northeast Community Bancorp, Inc. (NECB) has a net interest margin (NIM) of 4.9%. This indicates healthy earnings from lending activities.
Northeast Community Bancorp, Inc. (NECB) has an efficiency ratio of 26.6%. This is excellent, indicating strong cost control.