{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-033178","form_type":"8-K","ticker":"ECBK","cik":"0001914605","company_name":"ECB Bancorp, Inc. /MD/","filed_at":"2026-10-22T12:30:12+00:00","discovered_at":"2026-10-22T12:35:02.179742+00:00","generated_at":"2026-10-22T12:35:14.793622+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 Q3 net income $3.4M, EPS $0.40 vs $0.29 a year ago; NIM 2.56%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-033178","json":"https://secwatch.observer/filing/0001437749-26-033178.json","markdown":"https://secwatch.observer/filing/0001437749-26-033178.md","text":"https://secwatch.observer/filing/0001437749-26-033178.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1914605/000143774926033178/0001437749-26-033178-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1914605/000143774926033178/ecbk20260808_8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-22T12:35:14.793622+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"}