---
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"
generated_at: "2026-05-31T16:23:14.866365+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# ECB Bancorp Q2 net income falls 45% to $0.09 EPS; NIM shrinks to 1.82%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/1914605/000095017024086322/0000950170-24-086322-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1914605/000095017024086322/ecbk-20240725.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-086322
- JSON: https://secwatch.observer/filing/0000950170-24-086322.json
- Plain text: https://secwatch.observer/filing/0000950170-24-086322.txt

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