{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-013178","form_type":"8-K","ticker":"ECBK","cik":"0001914605","company_name":"ECB Bancorp, Inc. /MD/","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.274234+00:00","generated_at":"2026-05-15T04:38:33.885233+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"ECB Bancorp Q1 2026 net income $3.1M ($0.38 EPS) vs $2.6M prior quarter","bullets":["Net income $3.1M, diluted EPS $0.38; prior quarter $2.6M, $0.31.","Net interest margin expanded 17 bps to 2.49% from 2.32%.","Total assets $1.65B (+2.8% QoQ); loans $1.40B (+1.4%), deposits $1.20B (+5.9%).","No net charge-offs in Q1; non-performing assets 0.07% of assets.","CEO cites disciplined loan growth and plans new Medford branch."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-013178","json":"https://secwatch.observer/filing/0001437749-26-013178.json","markdown":"https://secwatch.observer/filing/0001437749-26-013178.md","text":"https://secwatch.observer/filing/0001437749-26-013178.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1914605/000143774926013178/0001437749-26-013178-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1914605/000143774926013178/ecbk20260115_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:38:33.885233+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":[{"claim_id":"d4425f5d46dc663d0f17ab0e2640fd7770f49348","claim":"ECB Bancorp, Inc. /MD/ reported financial results for three months ended March 31, 2026.","evidence_excerpt":"On April 23, 2026, ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, issued a press release announcing its financial results at and for the three months ended March 31, 2026.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1914605/000143774926013178/0001437749-26-013178-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended March 31, 2026"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}