{"filings":[{"id":1812716,"accession_number":"0001437749-26-024237","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2026-07-23T13:01:38+00:00","items":["2.02","9.01"],"status":"ready","headline":"ECB Bancorp Q2 net income $3.3M ($0.39 EPS), up 126.5% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $3.26M vs $1.44M a year ago; diluted EPS $0.39 vs $0.17.","Net interest and dividend income $10.0M, up 2% linked quarter; NIM 2.45%.","Total assets $1.67B; loans $1.39B; deposits $1.19B; book value $20.56.","Non-performing assets 0.09% of assets; allowance for credit losses 0.73%.","CEO cites planned Medford branch opening and continued loan/deposit growth."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":582398,"accession_number":"0001437749-26-018093","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2026-05-21T20:20:43+00:00","items":["5.07"],"status":"ready","headline":"ECB Bancorp shareholders elect directors and ratify auditor at annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Joseph Sachetta elected director with 4,030,944 votes for, 1,060,589 withheld.","Susan Sgroi elected director with 3,931,127 votes for, 1,160,406 withheld.","1,879,363 broker non-votes on director election proposal.","Ratification of Wolf & Company, P.C. as auditor approved: 6,952,190 for, 2,050 against, 16,656 abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":96713,"accession_number":"0001437749-26-013178","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ECB Bancorp Q1 2026 net income $3.1M ($0.38 EPS) vs $2.6M prior quarter","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $3.1M, diluted EPS $0.38; prior quarter $2.6M, $0.31.","Net interest margin expanded 17 bps to 2.49% from 2.32%.","Total assets $1.65B (+2.8% QoQ); loans $1.40B (+1.4%), deposits $1.20B (+5.9%).","No net charge-offs in Q1; non-performing assets 0.07% of assets.","CEO cites disciplined loan growth and plans new Medford branch."],"consensus_eps_estimate":null,"consensus_eps_actual":0.38,"consensus_revenue_estimate":null,"consensus_revenue_actual":155000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":110850,"accession_number":"0001437749-26-003106","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2026-02-05T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"ECB Bancorp Q4 net income $2.6M ($0.31/sh) vs $1.4M; loans up 20.7% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $2.6M ($0.31 diluted EPS) vs $1.4M ($0.17) in Q4 2024; full-year net income $7.8M ($0.94) vs $4.0M ($0.48).","Net interest margin expanded to 2.32% from 1.94% in Q4; efficiency ratio improved to 64.2% from 78.8% in 2024.","Loans grew $237M (20.7%) YoY to $1.38B; deposits grew $133.8M (13.4%) to $1.13B.","Nonperforming assets remain low at 0.07% of total assets; allowance for credit losses 0.74% of loans.","Annual meeting set for May 20, 2026; new Medford branch opening planned."],"consensus_eps_estimate":null,"consensus_eps_actual":0.94,"consensus_revenue_estimate":null,"consensus_revenue_actual":598000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":110849,"accession_number":"0001437749-26-000982","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2026-01-09T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"ECB Bancorp plans new full-service branch in Medford, MA; opening Q3 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Wholly owned subsidiary Everett Co-operative Bank files application for branch at 501 High Street, Medford.","New branch expected to open in third quarter of 2026.","CEO Richard O'Neil cites commitment to community banking and expansion of physical presence.","Branch will serve families, businesses, municipalities, and nonprofits in Medford."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":127474,"accession_number":"0001437749-25-038545","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2025-12-22T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"ECB Bancorp increases severance multiplier for EVP/CLO Migliozzi from 2.0x to 2.5x","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved amendment to Change in Control Agreement for John Migliozzi, EVP and Chief Lending Officer, on Dec 17, 2025.","Severance multiplier raised from 2.0x to 2.5x; all other terms of the agreement unchanged.","The original agreement was filed as Exhibit 10.3 to the Company's Form 8-K on Dec 22, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":127473,"accession_number":"0001437749-25-031528","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2025-10-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ECB Bancorp Q3 net income doubles to $2.4M; EPS $0.29 vs $0.14","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.4M ($0.29 diluted EPS) vs $1.1M ($0.14) in Q3 2024, up 115.3%.","Net interest margin expanded 34 bps to 2.19% from 1.85% year-over-year.","Total loans grew 14.9% to $1.32B; total assets $1.55B, up 9.5% from Dec 2024.","Non-performing assets fell to 0.07% of total assets, down from 0.14%.","Book value per share increased $0.68 to $19.18; stock buybacks continue."],"consensus_eps_estimate":null,"consensus_eps_actual":0.62,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":144269,"accession_number":"0001437749-25-023350","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ECB Bancorp Q2 net income $1.4M ($0.17 EPS) up 82% YoY; efficiency ratio improves to 62.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.4M ($0.17 diluted EPS) vs $791K ($0.09) in Q2 2024; YTD net income $2.7M, +93.8%.","Net interest margin expanded 26bp to 2.08%; efficiency ratio improved to 62.1% from 78.5%.","Total assets $1.52B (+6.8% vs Dec 2024); gross loans $1.29B (+12.8%); deposits $1.07B (+6.9%).","Non-performing assets just 0.08% of total assets; ACL 0.76% of loans; new share repurchase plan started.","Book value per share $18.81 (+$0.31 from Dec 2024); $236K Employee Retention Tax Credit recognized."],"consensus_eps_estimate":null,"consensus_eps_actual":0.33,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":162637,"accession_number":"0001437749-25-018165","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2025-05-22T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"ECB Bancorp stockholders elect Leonard and Sullivan as directors, ratify auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Dennis J. Leonard elected with 4,145,896 for, 1,152,527 withheld; Maura Sullivan elected with 5,243,870 for, 54,553 withheld.","Broker non-votes of 1,815,410 on director election.","Ratification of Wolf & Company as auditor passed with 7,084,004 for, 11,433 against, 18,396 abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":162636,"accession_number":"0000950170-25-066458","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2025-05-08T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"ECB Bancorp authorizes repurchase of up to 451,092 shares (5% of outstanding)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Second buyback program since July 2022 mutual-to-stock conversion; up to 451,092 shares (5.0% of outstanding).","Shares may be repurchased in open market, private transactions, or via Rule 10b5-1 plans at management's discretion.","Program can be suspended, terminated, or modified at any time; no minimum repurchase obligation.","Repurchases subject to market conditions, stock price, alternative uses of capital, and financial performance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":162635,"accession_number":"0000950170-25-057660","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2025-04-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ECB Bancorp Q1 net income up 109% to $1.3M; EPS $0.16 vs $0.07","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.3M, diluted EPS $0.16 (Q1 2025) vs $621K, $0.07 (Q1 2024).","Net interest income rose 12.6% to $6.6M; net interest margin expanded 5 bp to 1.89%.","Total assets grew 2.4% to $1.45B; loans up 3.6%, deposits up 3.8%.","Completed initial stock repurchase program; book value per share $18.63 (+$0.13).","Non-performing assets low at 0.09% of assets; allowance for credit losses 0.74%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":140000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":162634,"accession_number":"0000950170-25-053974","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2025-04-15T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"ECB Bancorp completes repurchase of 458,762 shares (~5%) at avg $12.92/share","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Company repurchased 458,762 shares, or ~5.0% of then outstanding common stock.","Average repurchase price was $12.92 per share.","Completion announced on April 11, 2025; no new program authorized.","Share repurchase program concluded as planned."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":180625,"accession_number":"0000950170-25-026745","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2025-02-25T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"ECB Bancorp adopts deferred compensation plan for CFO Brandon Lavertu","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Plan provides annual contributions up to 10% of base salary and cash bonus based on prior-year performance.","Vesting schedule: 0% for first 4 years, then graded 20% per year to 100% at 8 years.","Full vesting on death, disability, or change in control of Company or Bank.","Benefits paid over 10 years after normal retirement age (65); lump sum upon death or within 6 months after change in control.","Plan is unfunded and unsecured; liability solely from general assets of Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":180624,"accession_number":"0000950170-25-014178","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2025-02-05T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"ECB Bancorp reports Q4 2024 net income of $1.4 million; annual net income $4.0 million","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income for Q4 2024 was $1.4 million ($0.17 per share), up from $789,000 ($0.09 per share) in Q4 2023.","Full year 2024 net income was $4.0 million ($0.48 per share), down from $4.5 million ($0.52 per share) in 2023.","Deposits grew 15.0% to $998.5 million, outpacing loan growth of 9.3% to $1.15 billion as of Dec 31, 2024.","Tangible book value per share increased to $18.50 from $17.75; stock repurchase program executed during 2024.","Annual meeting of stockholders announced for May 21, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":0.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":577000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":197446,"accession_number":"0000950170-24-116871","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2024-10-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ECB Bancorp Q3 net income down to $1.1M ($0.14 EPS) from $1.3M YoY; NIM compresses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.1M ($0.14 diluted EPS) vs $1.3M ($0.16) in Q3 2023; nine-month net $2.5M ($0.30) vs $3.7M ($0.43).","Net interest margin 1.85% (Q3) and 1.83% (9M) vs 2.00% and 2.18% a year ago; total assets up 6.1% to $1.36B.","Noninterest expense rose 4.2% to $5.0M on $245K stock-based compensation; salaries & benefits up 9.9%.","Deposits grew 8.8% to $944M; loans up 7.2% to $1.12B; book value per share $18.14 vs $17.75 at year-end.","Asset quality strong: ACL 0.81%, NPA/total assets 0.08%; share repurchases of $1.8M in 9M 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":0.3,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":213684,"accession_number":"0000950170-24-086322","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ECB Bancorp Q2 net income falls 45% to $0.09 EPS; NIM shrinks to 1.82%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $791k ($0.09 diluted EPS) vs $1.4M ($0.17) in Q2 2023, down 45%.","Net interest margin declined to 1.82% from 2.18% a year ago due to higher funding costs.","Total loans grew 6.1% to $1.10B; deposits up 7.4% to $932.8M since Dec 2023.","Provision for credit losses increased to $292k from $0; noninterest expense up 5% to $4.9M.","Book value per share improved to $18.09; non-performing assets remained low at 0.09% of assets."],"consensus_eps_estimate":null,"consensus_eps_actual":0.17,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":213683,"accession_number":"0000950170-24-085453","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2024-07-23T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"ECB Bancorp appoints Brandon Lavertu as CFO effective July 17, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Brandon N. Lavertu, previously SVP and CAO, promoted to CFO of ECB Bancorp and Everett Co-operative Bank.","Lavertu will serve as principal financial and accounting officer; John A. Citrano remains EVP and COO.","Lavertu has been with the company since 2022; prior roles at Cambridge Savings Bank and Belmont Savings Bank.","No new compensation or material amendments; pre-existing change-in-control agreement from 2022 unchanged."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":232891,"accession_number":"0000950170-24-070247","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2024-06-07T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"ECB Bancorp shareholders elect three directors, ratify auditor at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Paul A. Delory, Elizabeth P. Jones, and Richard J. O'Neil, Jr. elected as directors for three-year terms.","Delory received 4,916,849 votes for, 264,015 withheld; Jones 4,065,045 for, 1,115,819 withheld; O'Neil 5,019,424 for, 161,440 withheld.","Broker non-votes on director election totaled 2,123,644.","Ratification of Wolf & Company as auditor for FY 2024 passed with 6,932,579 for, 355,881 against, 16,048 abstain.","No material changes or strategic updates disclosed; routine annual meeting results."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":232890,"accession_number":"0000950170-24-047949","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2024-04-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ECB Bancorp Q1 net income falls 31% to $621k; NIM compresses to 1.84%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $621k ($0.07 diluted EPS) vs $901k ($0.11) in Q1 2023, down 31%.","Net interest margin fell to 1.84% from 2.38% due to higher funding costs and inverted yield curve.","Total loans grew 3.0% to $1.07B; deposits increased 3.9% to $901.6M.","Book value per share rose to $17.94; share buyback continued with $629k in repurchases.","Asset quality remains strong: no net charge-offs; NPLs at 0.09% of assets."],"consensus_eps_estimate":null,"consensus_eps_actual":0.07,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":251087,"accession_number":"0000950170-24-029899","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2024-03-12T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"ECB Bancorp appoints Wolf & Company as new independent auditor for FY2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Prior auditor Baker Newman & Noyes declined reappointment due to exiting banking public company audit practice.","Wolf & Company engaged for FY2024 audit and review of Q2/Q3 2024; Baker Newman to review Q1 2024.","No disagreements or reportable events with prior auditor during 2023 and 2024 interim period.","Wolf previously provided lease, tax, and CECL model validation services; board confirmed independence."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":251086,"accession_number":"0000950170-24-015840","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2024-02-15T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"ECB Bancorp Q4 net income falls to $789K ($0.09 EPS); full year net income rises to $4.5M ($0.52 EPS)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q4 2023: $789K vs $975K Q4 2022; diluted EPS $0.09 vs $0.12.","Full year 2023 net income: $4.5M vs $2.7M in 2022; diluted EPS $0.52 vs $0.32.","Net interest income before provision fell 12.8% to $5.9M in Q4 due to higher cost of funds and inverted yield curve.","Total loans grew 17.4% to $1.05B; deposits up 20.9% to $868.2M, driven by certificates of deposit (+55.9%).","Asset quality solid: full-year net charge-offs $1K, non-performing assets 0.09% of assets; annual meeting set for June 5, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":0.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":251085,"accession_number":"0000950170-24-005363","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2024-01-18T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"ECB Bancorp's auditor BNN declines re-appointment for FY2024; no disagreement","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["BNN informed ECB on Jan 16, 2024 it will not stand for re-appointment as auditor for FY2024 due to exiting banking public company audit practice.","No disagreements or reportable events occurred in FY2022, FY2023, or through Jan 16, 2024.","BNN will complete the FY2023 audit; ECB will engage a new independent auditor for FY2024.","BNN provided a letter agreeing with ECB's disclosures, filed as Exhibit 16.1."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":268670,"accession_number":"0000950170-23-055622","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2023-10-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ECB Bancorp reports Q3 net income $1.34M vs net loss $1.03M a year ago","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.16 in Q3 2023 vs -$0.12 in Q3 2022; prior-year loss driven by $3.2M charitable contribution.","Net interest income before provision fell 6.9% to $6.1M due to higher funding costs; provision benefit of $184K improved bottom line.","Total loans rose 12.6% YTD to $997.4M; deposits grew 13.1% to $812.5M, led by CDs up 38.2%.","Company commenced share buyback program and opened a new branch in Woburn, MA during Q3.","Non-performing assets remained low at $1.2M (0.10% of assets); allowance for credit losses at 0.82% of loans."],"consensus_eps_estimate":null,"consensus_eps_actual":0.43,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":285788,"accession_number":"0000950170-23-047254","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2023-09-08T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"Stockholders approve 2023 Equity Incentive Plan and re-elect two directors","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Joseph Sachetta and Susan Sgroi elected directors with 4,929,773 and 4,961,825 votes for, respectively.","2023 Equity Incentive Plan approved: 5,042,110 for, 146,816 against, 7,544 abstain.","Baker Newman & Noyes LLC ratified as independent auditor for FY2023.","Broker non-votes of 1,630,437 on director elections and plan proposal."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":285787,"accession_number":"0000943374-23-000348","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2023-08-10T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"ECB Bancorp authorizes share repurchase of up to 458,762 shares (~5% outstanding)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["First buyback program since mutual-to-stock conversion and stock offering in July 2022.","Shares may be repurchased in open market, private transactions, or via Rule 10b5-1 plans.","Repurchases at management's discretion based on price, market conditions, and capital priorities.","Program may be suspended, terminated, or modified at any time; no obligation to repurchase any shares."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":285786,"accession_number":"0000950170-23-035127","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2023-07-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ECB Bancorp Q2 net income $1.43M ($0.17/sh); loan growth 12.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $1.43M, EPS $0.17, up 2.1% YoY; 6-month net income $2.3M down 16.3%.","Net interest income before provision was $6.4M (+19.3% YoY); provision for credit losses was $0 vs $754K.","Total assets $1.2B (+12.5% YTD); net loan growth $111M (12.5%); deposits $787M (+9.6%).","Noninterest expense $4.7M (+31.6%) on higher salaries, deposit insurance; noninterest income fell on life insurance gain in prior year.","Allowance for credit losses $8.5M (0.84% of loans); no net charge-offs; NPLs $923K (0.08% of assets)."],"consensus_eps_estimate":null,"consensus_eps_actual":0.27,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":285785,"accession_number":"0000943374-23-000312","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2023-07-19T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"ECB Bancorp adopts deferred compensation plan for EVP and Chief Lending Officer","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Plan for John Migliozzi effective July 1, 2023; annual Bank contribution intended to be 10% of salary and bonus.","Account earns interest benchmarked to the 10-year Treasury rate as of December 1 of prior year.","100% vested at all times; forfeiture for Cause.","Payment begins at age 70 (10 annual installments); lump sum upon death or change-in-control with Good Reason.","Plan is unfunded, unsecured general obligation of Everett Co-operative Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":305734,"accession_number":"0000943374-23-000243","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2023-06-12T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"ECB Bancorp sets annual meeting for September 7, 2023","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Annual meeting of stockholders scheduled for Thursday, September 7, 2023.","Company is a Maryland corporation headquartered in Everett, Massachusetts.","Filing signed by John A. Citrano, Executive Vice President, COO and CFO."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":305733,"accession_number":"0000943374-23-000160","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2023-04-12T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"ECB Bancorp subsidiary to open new branch in Woburn, MA in September 2023","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Everett Co-operative Bank plans full-service branch at 331 Montvale Avenue, Woburn.","Branch expected to open in September 2023; brings total offices to three.","Expansion follows mutual-to-stock conversion and IPO completed in July 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":342828,"accession_number":"0000943374-22-000503","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2022-12-22T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"ECB Bancorp enters employment agreement with CEO O'Neil, change-in-control agreements with two officers","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO Richard J. O'Neil, Jr. gets 3-year term, $425K base salary, $1K/mo auto allowance, plus bonus and equity eligibility.","Exec VP/COO/CFO John Citrano gets change-in-control severance of 2.5x base plus avg bonus, 2-year term from Dec 21, 2022.","Exec VP/CLO John A. Migliozzi gets change-in-control severance of 2x base plus avg bonus, and a confidentiality/non-solicitation pact.","All agreements effective Dec 21, 2022; Bank's obligations guaranteed by ECB Bancorp."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":158534402.7033149,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":359446,"accession_number":"0001193125-22-203587","cik":1914605,"company_name":"ECB Bancorp, Inc. /MD/","ticker":"ECBK","form_type":"8-K","filed_at":"2022-07-27T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"ECB Bancorp completes IPO, raises ~$89.2M in mutual-to-stock conversion","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold 8,915,247 shares at $10.00/share; 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