---
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"
generated_at: "2026-05-18T02:37:37.169074+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-023350
- JSON: https://secwatch.observer/filing/0001437749-25-023350.json
- Plain text: https://secwatch.observer/filing/0001437749-25-023350.txt

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