---
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"
generated_at: "2026-10-22T12:35:14.793622+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1914605/000143774926033178/0001437749-26-033178-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1914605/000143774926033178/ecbk20260808_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-033178
- JSON: https://secwatch.observer/filing/0001437749-26-033178.json
- Plain text: https://secwatch.observer/filing/0001437749-26-033178.txt

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