---
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"
generated_at: "2026-05-30T10:41:09.207330+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# ECB Bancorp Q3 net income down to $1.1M ($0.14 EPS) from $1.3M YoY; NIM compresses

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-116871
- JSON: https://secwatch.observer/filing/0000950170-24-116871.json
- Plain text: https://secwatch.observer/filing/0000950170-24-116871.txt

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