{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-015840","form_type":"8-K","ticker":"ECBK","cik":"0001914605","company_name":"ECB Bancorp, Inc. /MD/","filed_at":"2024-02-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.305349+00:00","generated_at":"2026-06-06T01:31:06.143346+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"ECB Bancorp Q4 net income falls to $789K ($0.09 EPS); full year net income rises to $4.5M ($0.52 EPS)","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-015840","json":"https://secwatch.observer/filing/0000950170-24-015840.json","markdown":"https://secwatch.observer/filing/0000950170-24-015840.md","text":"https://secwatch.observer/filing/0000950170-24-015840.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1914605/000095017024015840/0000950170-24-015840-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1914605/000095017024015840/ecbk-20240215.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T01:31:06.143346+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":"73e38f5e874b59dd648ed3f757c2d7dcb40b5d52","claim":"ECB Bancorp, Inc. /MD/ reported the quarter ended December 31, 2023 results: net income $789,000, or $0.09 per diluted share.","evidence_excerpt":"ECB Bancorp, Inc. Reports Fourth Quarter Results EVERETT, MA, February 15, 2024 - 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 $789,000, or $0.09 per diluted share for the quarter ended December 31, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1914605/000095017024015840/0000950170-24-015840-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2023"},{"label":"Net income","value":"$789,000, or $0.09 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"caa0d736afdcef2c86ba98ea3b80f13e7c07c74f","claim":"ECB Bancorp, Inc. /MD/ reported the year ended December 31, 2023 results: net income $4.5 million, or $0.52 per diluted share.","evidence_excerpt":"For the year ended December 31, 2023, the Company reported net income of $4.5 million, or $0.52 per diluted share as compared to net income of $2.7 million, or $0.32 per diluted share for the year ended December 31, 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1914605/000095017024015840/0000950170-24-015840-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2023"},{"label":"Net income","value":"$4.5 million, or $0.52 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"}