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

ECB Bancorp Q3 Net Income Rises to $3.4 Million, or $0.40 Per Diluted Share

Positive Impact 3 of 5 earnings Written later

ECB Bancorp, Inc., holding company for Everett Co-operative Bank, reported third-quarter 2026 net income of $3.4 million, or $0.40 per diluted share, up from $3.3 million, or $0.39, in the prior quarter and $2.4 million, or $0.29, a year earlier. Net interest margin widened to 2.56% and total loans grew $55.5 million during the quarter, though noninterest expense rose 8.0% from the prior quarter.

Key points

Net income of $3.4 million, or $0.40 per diluted share, for the quarter ended September 30, 2026, versus $3.3 million, or $0.39, in the prior quarter
Net interest margin rose 11 basis points to 2.56%; total loans increased $55.5 million, or 3.9%, to $1.46 billion
Noninterest expense rose $463,000, or 8.0%, to $6.3 million, partly tied to the new Medford branch, which opened October 13, 2026
Book value per common share was $21.16, up from $20.56 at June 30, 2026

The filing

CompanyECB Bancorp, Inc. /MD/ (ECBK)

Form8-K, current report

Filed with the SECOct 22, 2026, 8:30 AM ET

Accession number0001437749-26-033178

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 October 22, 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.