{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-023350","form_type":"8-K","ticker":"ECBK","cik":"0001914605","company_name":"ECB Bancorp, Inc. /MD/","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:45.580762+00:00","generated_at":"2026-05-18T02:37:37.169074+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"ECB Bancorp Q2 net income $1.4M ($0.17 EPS) up 82% YoY; efficiency ratio improves to 62.1%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-023350","json":"https://secwatch.observer/filing/0001437749-25-023350.json","markdown":"https://secwatch.observer/filing/0001437749-25-023350.md","text":"https://secwatch.observer/filing/0001437749-25-023350.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1914605/000143774925023350/0001437749-25-023350-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1914605/000143774925023350/ecbk20250520_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:37:37.169074+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"}