ECB Bancorp Q4 net income $2.6M ($0.31/sh) vs $1.4M; loans up 20.7% YoY

ECB Bancorp, Inc. /MD/

2025-FY EPS reported $0.94 revenue$598,000

Q4 net income $2.6M ($0.31 diluted EPS) vs $1.4M ($0.17) in Q4 2024; full-year net income $7.8M ($0.94) vs $4.0M ($0.48).
Net interest margin expanded to 2.32% from 1.94% in Q4; efficiency ratio improved to 64.2% from 78.8% in 2024.
Loans grew $237M (20.7%) YoY to $1.38B; deposits grew $133.8M (13.4%) to $1.13B.
Nonperforming assets remain low at 0.07% of total assets; allowance for credit losses 0.74% of loans.
Annual meeting set for May 20, 2026; new Medford branch opening planned.

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