---
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"
generated_at: "2026-05-23T07:22:28.369654+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# ECB Bancorp Q1 net income up 109% to $1.3M; EPS $0.16 vs $0.07

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/1914605/000095017025057660/0000950170-25-057660-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1914605/000095017025057660/ecbk-20250424.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-057660
- JSON: https://secwatch.observer/filing/0000950170-25-057660.json
- Plain text: https://secwatch.observer/filing/0000950170-25-057660.txt

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