---
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"
generated_at: "2026-06-13T01:00:08.912631+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# ECB Bancorp Q2 net income $1.43M ($0.17/sh); loan growth 12.5%

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-23-035127
- JSON: https://secwatch.observer/filing/0000950170-23-035127.json
- Plain text: https://secwatch.observer/filing/0000950170-23-035127.txt

## Key facts
- Earnings Releases
  ECB Bancorp, Inc. /MD/ reported the quarter ended June 30, 2023 results: net income $1.43 million, EPS $0.17 per diluted share.
  - Period: the quarter ended June 30, 2023
  - Net income: $1.43 million
  - EPS: $0.17 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1914605/000095017023035127/0000950170-23-035127-index.htm
- Earnings Releases
  ECB Bancorp, Inc. /MD/ reported the six months ended June 30, 2023 results: net income $2.3 million, EPS $0.27 per diluted share.
  - Period: the six months ended June 30, 2023
  - Net income: $2.3 million
  - EPS: $0.27 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1914605/000095017023035127/0000950170-23-035127-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.