---
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"
generated_at: "2026-05-15T04:38:33.885233+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# ECB Bancorp Q1 2026 net income $3.1M ($0.38 EPS) vs $2.6M prior quarter

## Summary
- 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.

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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-013178
- JSON: https://secwatch.observer/filing/0001437749-26-013178.json
- Plain text: https://secwatch.observer/filing/0001437749-26-013178.txt

## Key facts
- Earnings Releases
  ECB Bancorp, Inc. /MD/ reported financial results for three months ended March 31, 2026.
  - Period: three months ended March 31, 2026
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1914605/000143774926013178/0001437749-26-013178-index.htm

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