{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-057660","form_type":"8-K","ticker":"ECBK","cik":"0001914605","company_name":"ECB Bancorp, Inc. /MD/","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.461967+00:00","generated_at":"2026-05-23T07:22:28.369654+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"ECB Bancorp Q1 net income up 109% to $1.3M; EPS $0.16 vs $0.07","bullets":["Net income $1.3M, diluted EPS $0.16 (Q1 2025) vs $621K, $0.07 (Q1 2024).","Net interest income rose 12.6% to $6.6M; net interest margin expanded 5 bp to 1.89%.","Total assets grew 2.4% to $1.45B; loans up 3.6%, deposits up 3.8%.","Completed initial stock repurchase program; book value per share $18.63 (+$0.13).","Non-performing assets low at 0.09% of assets; allowance for credit losses 0.74%."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-057660","json":"https://secwatch.observer/filing/0000950170-25-057660.json","markdown":"https://secwatch.observer/filing/0000950170-25-057660.md","text":"https://secwatch.observer/filing/0000950170-25-057660.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1914605/000095017025057660/0000950170-25-057660-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1914605/000095017025057660/ecbk-20250424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T07:22:28.369654+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"}