---
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"
generated_at: "2026-05-17T02:50:14.301929+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# ECB Bancorp Q3 net income doubles to $2.4M; EPS $0.29 vs $0.14

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-031528
- JSON: https://secwatch.observer/filing/0001437749-25-031528.json
- Plain text: https://secwatch.observer/filing/0001437749-25-031528.txt

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