ECB Bancorp, Inc. /MD/ (ECBK) Form 8-K — Oct 22, 2026
ECB Bancorp (NASDAQ: ECBK), holding company for Everett Co-operative Bank, reported Q3 2026 net income of $3.4 million, or $0.40 per diluted share, up from $3.3 million in the prior quarter and $2.4 million a year ago. Net interest margin expanded 11 basis points to 2.56%, while total loans grew $55.5 million (3.9%) in the quarter and deposits excluding brokered deposits increased $63.2 million. Credit quality remains strong with non-performing assets at just 0.08% of total assets. The company opened its fourth full-service branch in Medford, Massachusetts on October 13, 2026, supporting its growth strategy in its core market.
Key figures
- Eps
- 0.4
- Revenue
- 10790000
- Net Income
- 3391000
- Total Debt
- 282500000
- Revenue Yoy
- 27.6% increase in net interest and dividend income
- Total Assets
- 1693081000
- Cash Position
- 96084000
- Shares Outstanding
- 8737641
- Total loans
- 1459613000
- Total deposits
- 1210971000
- Loan growth qoq
- $55.5 million, or 3.9%
- Efficiency ratio
- 56.56%
- Net interest margin
- 2.56%
- Book value per share
- 21.16
- Return on average assets
- 0.80%
- Return on average equity
- 7.36%
- Diluted eps prior quarter
- 0.39
- Non performing assets ratio
- 0.08%
- Diluted eps year ago quarter
- 0.29
- Allowance for credit losses ratio
- 0.71%
AI analysis
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