---
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"
generated_at: "2026-07-23T13:02:08.583009+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# ECB Bancorp Q2 net income $3.3M ($0.39 EPS), up 126.5% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-024237
- JSON: https://secwatch.observer/filing/0001437749-26-024237.json
- Plain text: https://secwatch.observer/filing/0001437749-26-024237.txt

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