{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-035127","form_type":"8-K","ticker":"ECBK","cik":"0001914605","company_name":"ECB Bancorp, Inc. /MD/","filed_at":"2023-07-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.064418+00:00","generated_at":"2026-06-13T01:00:08.912631+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"ECB Bancorp Q2 net income $1.43M ($0.17/sh); loan growth 12.5%","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)."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-035127","json":"https://secwatch.observer/filing/0000950170-23-035127.json","markdown":"https://secwatch.observer/filing/0000950170-23-035127.md","text":"https://secwatch.observer/filing/0000950170-23-035127.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1914605/000095017023035127/0000950170-23-035127-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1914605/000095017023035127/ecbk-20230727.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T01:00:08.912631+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"938c239bb170b81a7c57520aef37788a78f4d3cd","claim":"ECB Bancorp, Inc. /MD/ reported the quarter ended June 30, 2023 results: net income $1.43 million, EPS $0.17 per diluted share.","evidence_excerpt":"ECB Bancorp, Inc. Reports Second Quarter Results EVERETT, MA, July 27, 2023 - ECB Bancorp, Inc. (NASDAQ-ECBK) (the “Company”), the holding company for Everett Co-operative Bank (the “Bank”), a state-chartered co-operative bank headquartered in Everett, Massachusetts, today reported net income of $1.43 million, or $0.17 per diluted share, for the quarter ended June 30, 2023 compared to net income of $1.40 million for the quarter ended June 30, 2022, an increase of 2.1%.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1914605/000095017023035127/0000950170-23-035127-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended June 30, 2023"},{"label":"Net income","value":"$1.43 million"},{"label":"EPS","value":"$0.17 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"dc1955e592fbfdf2538336346b0fed89fa366911","claim":"ECB Bancorp, Inc. /MD/ reported the six months ended June 30, 2023 results: net income $2.3 million, EPS $0.27 per diluted share.","evidence_excerpt":"For the six months ended June 30, 2023, the Company reported net income of $2.3 million, or $0.27 per diluted share, as compared to net income of $2.8 million for the six months ended June 30, 2022, a decrease of 16.3%.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1914605/000095017023035127/0000950170-23-035127-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the six months ended June 30, 2023"},{"label":"Net income","value":"$2.3 million"},{"label":"EPS","value":"$0.27 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}