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  <xsd:element name="FairValueLiabilitiesLevel1ToLevel2TransfersAmount1" id="necb_FairValueLiabilitiesLevel1ToLevel2TransfersAmount1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FairValueLiabilitiesLevel2ToLevel1TransfersAmount1" id="necb_FairValueLiabilitiesLevel2ToLevel1TransfersAmount1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NonaccrualLoans" id="necb_NonaccrualLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="EquityIncentivePlan2022Member" id="necb_EquityIncentivePlan2022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="IncrementalCommonSharesAttributableToDilutiveEffectOfRestrictedStock" id="necb_IncrementalCommonSharesAttributableToDilutiveEffectOfRestrictedStock" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NetIncomeEarningsPerShareBasicAndDilutedAbstract" id="necb_NetIncomeEarningsPerShareBasicAndDilutedAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfAllowanceForCreditLossesOnOffBalanceSheetCommitmentsTableTextBlock" id="necb_ScheduleOfAllowanceForCreditLossesOnOffBalanceSheetCommitmentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableIndividuallyEvaluatedForImpairmentNumberOfLoans" id="necb_FinancingReceivableIndividuallyEvaluatedForImpairmentNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="NumberOfHeldToMaturitySecuritiesWithNoHistoryOfCreditLoss" id="necb_NumberOfHeldToMaturitySecuritiesWithNoHistoryOfCreditLoss" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="DividendsOnAllocatedSharesChargedToRetainedEarnings" id="necb_DividendsOnAllocatedSharesChargedToRetainedEarnings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossesWriteoffByOriginationYearAbstract" id="necb_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossesWriteoffByOriginationYearAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PercentageOfConstructionLoan" id="necb_PercentageOfConstructionLoan" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="HeldToMaturitySecuritiesInUnrealizedLossPositionsNumberOfPositions" id="necb_HeldToMaturitySecuritiesInUnrealizedLossPositionsNumberOfPositions" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="FinanceLeaseInterestExpenseOperating" id="necb_FinanceLeaseInterestExpenseOperating" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EquitySecuritiesConcentrationPercentage" id="necb_EquitySecuritiesConcentrationPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="SingleReportableSegmentMember" id="necb_SingleReportableSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PaymentsForProceedsFromLoans" id="necb_PaymentsForProceedsFromLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ProceedsFromRepaymentsOfFederalReserveBankAdvances" id="necb_ProceedsFromRepaymentsOfFederalReserveBankAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NumberOfPropertiesOwned" id="necb_NumberOfPropertiesOwned" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossFeeLoanInProcessAndUnfundedCommitments" id="necb_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossFeeLoanInProcessAndUnfundedCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="SullivanCountyMember" id="necb_SullivanCountyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PercentageOfIncreaseInFinanceReceivable" id="necb_PercentageOfIncreaseInFinanceReceivable" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="RocklandOrangeAndSullivanCountyMember" id="necb_RocklandOrangeAndSullivanCountyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
