ECB Bancorp Q3 net income $3.4M, EPS $0.40 vs $0.29 a year ago; NIM 2.56%

ECB Bancorp, Inc. /MD/

Net income $3.4M, or $0.40 per diluted share, vs $3.3M/$0.39 in Q2 2026 and $2.4M/$0.29 in Q3 2025.
Net interest and dividend income $10.8M, up 7.5% QoQ; net interest margin 2.56%, up 11 bps from 2.45%.
Total loans rose $55.5M, or 3.9%, to $1.46B; commercial real estate +$14.6M, multifamily +$14.2M, construction +$13.8M.
Deposits excluding brokered increased $63.2M while brokered CDs fell $45.0M; total deposits $1.21B, up 1.5%.
NPAs 0.08% of assets; book value/share $21.16, up $0.60 QoQ; opened fourth branch in Medford on Oct. 13, 2026.

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