{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-031528","form_type":"8-K","ticker":"ECBK","cik":"0001914605","company_name":"ECB Bancorp, Inc. /MD/","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.051318+00:00","generated_at":"2026-05-17T02:50:14.301929+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"ECB Bancorp Q3 net income doubles to $2.4M; EPS $0.29 vs $0.14","bullets":["Net income $2.4M ($0.29 diluted EPS) vs $1.1M ($0.14) in Q3 2024, up 115.3%.","Net interest margin expanded 34 bps to 2.19% from 1.85% year-over-year.","Total loans grew 14.9% to $1.32B; total assets $1.55B, up 9.5% from Dec 2024.","Non-performing assets fell to 0.07% of total assets, down from 0.14%.","Book value per share increased $0.68 to $19.18; stock buybacks continue."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-031528","json":"https://secwatch.observer/filing/0001437749-25-031528.json","markdown":"https://secwatch.observer/filing/0001437749-25-031528.md","text":"https://secwatch.observer/filing/0001437749-25-031528.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1914605/000143774925031528/0001437749-25-031528-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1914605/000143774925031528/ecbk20250821_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:50:14.301929+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"}