---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-014178"
form_type: "8-K"
ticker: "ECBK"
cik: "0001914605"
company_name: "ECB Bancorp, Inc. /MD/"
filed_at: "2025-02-05T23:59:59+00:00"
generated_at: "2026-05-27T02:53:58.304127+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# ECB Bancorp reports Q4 2024 net income of $1.4 million; annual net income $4.0 million

## Summary
- Net income for Q4 2024 was $1.4 million ($0.17 per share), up from $789,000 ($0.09 per share) in Q4 2023.
- Full year 2024 net income was $4.0 million ($0.48 per share), down from $4.5 million ($0.52 per share) in 2023.
- Deposits grew 15.0% to $998.5 million, outpacing loan growth of 9.3% to $1.15 billion as of Dec 31, 2024.
- Tangible book value per share increased to $18.50 from $17.75; stock repurchase program executed during 2024.
- Annual meeting of stockholders announced for May 21, 2025.

## SEC filing metadata
- accession: 0000950170-25-014178
- form_type: 8-K
- ticker: ECBK
- cik: 0001914605
- company_name: ECB Bancorp, Inc. /MD/
- filed_at: 2025-02-05T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1914605/000095017025014178/0000950170-25-014178-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1914605/000095017025014178/ecbk-20250205.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-014178
- JSON: https://secwatch.observer/filing/0000950170-25-014178.json
- Plain text: https://secwatch.observer/filing/0000950170-25-014178.txt

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