ECB Bancorp Q2 net income $1.4M ($0.17 EPS) up 82% YoY; efficiency ratio improves to 62.1%

ECB Bancorp, Inc. /MD/

2025-Q2 EPS reported $0.33

Net income $1.4M ($0.17 diluted EPS) vs $791K ($0.09) in Q2 2024; YTD net income $2.7M, +93.8%.
Net interest margin expanded 26bp to 2.08%; efficiency ratio improved to 62.1% from 78.5%.
Total assets $1.52B (+6.8% vs Dec 2024); gross loans $1.29B (+12.8%); deposits $1.07B (+6.9%).
Non-performing assets just 0.08% of total assets; ACL 0.76% of loans; new share repurchase plan started.
Book value per share $18.81 (+$0.31 from Dec 2024); $236K Employee Retention Tax Credit recognized.

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