{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-086322","form_type":"8-K","ticker":"ECBK","cik":"0001914605","company_name":"ECB Bancorp, Inc. /MD/","filed_at":"2024-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.192792+00:00","generated_at":"2026-05-31T16:23:14.866365+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"ECB Bancorp Q2 net income falls 45% to $0.09 EPS; NIM shrinks to 1.82%","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-086322","json":"https://secwatch.observer/filing/0000950170-24-086322.json","markdown":"https://secwatch.observer/filing/0000950170-24-086322.md","text":"https://secwatch.observer/filing/0000950170-24-086322.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1914605/000095017024086322/0000950170-24-086322-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1914605/000095017024086322/ecbk-20240725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:23:14.866365+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}