{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-024237","form_type":"8-K","ticker":"ECBK","cik":"0001914605","company_name":"ECB Bancorp, Inc. /MD/","filed_at":"2026-07-23T13:01:38+00:00","discovered_at":"2026-07-23T13:02:00.263333+00:00","generated_at":"2026-07-23T13:02:08.583009+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"ECB Bancorp Q2 net income $3.3M ($0.39 EPS), up 126.5% YoY","bullets":["Net income $3.26M vs $1.44M a year ago; diluted EPS $0.39 vs $0.17.","Net interest and dividend income $10.0M, up 2% linked quarter; NIM 2.45%.","Total assets $1.67B; loans $1.39B; deposits $1.19B; book value $20.56.","Non-performing assets 0.09% of assets; allowance for credit losses 0.73%.","CEO cites planned Medford branch opening and continued loan/deposit growth."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-024237","json":"https://secwatch.observer/filing/0001437749-26-024237.json","markdown":"https://secwatch.observer/filing/0001437749-26-024237.md","text":"https://secwatch.observer/filing/0001437749-26-024237.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1914605/000143774926024237/0001437749-26-024237-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1914605/000143774926024237/ecbk20260515_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T13:02:08.583009+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"}