AI brief of an SEC Form 8-K · ECB Bancorp, Inc. /MD/ (ECBK)

ECB Bancorp Q2 net income rises to $3.3 million, $0.39 per diluted share

Positive Impact 3 of 5 earnings Written later

ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, reported net income of $3.3 million, or $0.39 per diluted share, for the quarter ended June 30, 2026. That was up from $3.1 million, or $0.38 per diluted share, in the first quarter and up 126.5% in net income from the second quarter of 2025. Net interest margin narrowed to 2.45% from 2.49%, and total deposits fell slightly during the quarter.

Key points

Net income of $3.3 million, or $0.39 per diluted share, for the quarter ended June 30, 2026, versus $3.1 million, or $0.38, for the prior quarter
Net income up 126.5% from $1.4 million, or $0.17 per diluted share, in the second quarter of 2025
Net interest margin was 2.45%, down from 2.49% in the first quarter, mainly due to lower loan prepayment fee income
Total deposits were $1.19 billion at June 30, 2026, down $6.7 million, or 0.6%, from March 31, 2026; total loans were $1.404 billion

The filing

CompanyECB Bancorp, Inc. /MD/ (ECBK)

Form8-K, current report

Filed with the SECJul 23, 2026, 9:01 AM ET

Accession number0001437749-26-024237

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 11:44 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 23, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.