---
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"
generated_at: "2026-05-16T04:33:27.287848+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-003106
- JSON: https://secwatch.observer/filing/0001437749-26-003106.json
- Plain text: https://secwatch.observer/filing/0001437749-26-003106.txt

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