{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-055622","form_type":"8-K","ticker":"ECBK","cik":"0001914605","company_name":"ECB Bancorp, Inc. /MD/","filed_at":"2023-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.391599+00:00","generated_at":"2026-06-09T08:54:00.621406+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"ECB Bancorp reports Q3 net income $1.34M vs net loss $1.03M a year ago","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-055622","json":"https://secwatch.observer/filing/0000950170-23-055622.json","markdown":"https://secwatch.observer/filing/0000950170-23-055622.md","text":"https://secwatch.observer/filing/0000950170-23-055622.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1914605/000095017023055622/0000950170-23-055622-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1914605/000095017023055622/ecbk-20231026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T08:54:00.621406+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":"d0d843eab252d0b5fff8f8fe2f961fb00f7e6252","claim":"ECB Bancorp, Inc. /MD/ reported three and nine months ended September 30, 2023 results: net income $1.34 million or $0.16 per diluted share.","evidence_excerpt":"On October 26, 2023, ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, issued a press release announcing its financial results at and for the three and nine months ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1914605/000095017023055622/0000950170-23-055622-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three and nine months ended September 30, 2023"},{"label":"Net income","value":"$1.34 million or $0.16 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"}