secwatch.observer — SEC 8-K summary
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Issuer:     ECB Bancorp, Inc. /MD/ (ECBK)
CIK:        0001914605
Form:       8-K
Filed at:   2026-02-05T23:59:59+00:00
Accession:  0001437749-26-003106
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1914605/000143774926003106/0001437749-26-003106-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1914605/000143774926003106/ecbk20251117_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-26-003106

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