{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-116871","form_type":"8-K","ticker":"ECBK","cik":"0001914605","company_name":"ECB Bancorp, Inc. /MD/","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.339866+00:00","generated_at":"2026-05-30T10:41:09.207330+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"ECB Bancorp Q3 net income down to $1.1M ($0.14 EPS) from $1.3M YoY; NIM compresses","bullets":["Net income $1.1M ($0.14 diluted EPS) vs $1.3M ($0.16) in Q3 2023; nine-month net $2.5M ($0.30) vs $3.7M ($0.43).","Net interest margin 1.85% (Q3) and 1.83% (9M) vs 2.00% and 2.18% a year ago; total assets up 6.1% to $1.36B.","Noninterest expense rose 4.2% to $5.0M on $245K stock-based compensation; salaries & benefits up 9.9%.","Deposits grew 8.8% to $944M; loans up 7.2% to $1.12B; book value per share $18.14 vs $17.75 at year-end.","Asset quality strong: ACL 0.81%, NPA/total assets 0.08%; share repurchases of $1.8M in 9M 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-116871","json":"https://secwatch.observer/filing/0000950170-24-116871.json","markdown":"https://secwatch.observer/filing/0000950170-24-116871.md","text":"https://secwatch.observer/filing/0000950170-24-116871.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1914605/000095017024116871/0000950170-24-116871-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1914605/000095017024116871/ecbk-20241024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:41:09.207330+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"}