{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-003106","form_type":"8-K","ticker":"ECBK","cik":"0001914605","company_name":"ECB Bancorp, Inc. /MD/","filed_at":"2026-02-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.746969+00:00","generated_at":"2026-05-16T04:33:27.287848+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"ECB Bancorp Q4 net income $2.6M ($0.31/sh) vs $1.4M; loans up 20.7% YoY","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-003106","json":"https://secwatch.observer/filing/0001437749-26-003106.json","markdown":"https://secwatch.observer/filing/0001437749-26-003106.md","text":"https://secwatch.observer/filing/0001437749-26-003106.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1914605/000143774926003106/0001437749-26-003106-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1914605/000143774926003106/ecbk20251117_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T04:33:27.287848+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"}