secwatch.observer — SEC 8-K summary
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Issuer:     ECB Bancorp, Inc. /MD/ (ECBK)
CIK:        0001914605
Form:       8-K
Filed at:   2026-10-22T12:30:12+00:00
Accession:  0001437749-26-033178
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1914605/000143774926033178/0001437749-26-033178-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1914605/000143774926033178/ecbk20260808_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-26-033178

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer