Ellington Credit posts Q2 2025 results update

Ellington Credit Company furnished an 8-K current report to share information about its latest quarterly performance.

Rhea-AI Filing Summary

Ellington Credit Company furnished an 8-K current report to share information about its latest quarterly performance. On August 19, 2025, the company issued a press release announcing its financial results for the quarter ended June 30, 2025, and attached that release as Exhibit 99.1.

The company states that the information about results of operations and financial condition in Items 2.02 and 7.01, including Exhibit 99.1, is being furnished under Regulation FD and will not be treated as filed for liability purposes under the Exchange Act, unless specifically incorporated by reference in another filing.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Ellington Credit Company (EARN) disclose in this 8-K?

Ellington Credit Company furnished an 8-K to provide a press release, included as Exhibit 99.1, announcing its financial results for the quarter ended June 30, 2025.

When did Ellington Credit Company announce its Q2 2025 results?

The company announced its quarterly financial results in a press release dated August 19, 2025, which is furnished as Exhibit 99.1 to this report.

Which items of the 8-K does Ellington Credit Company use for its results?

The company uses Item 2.02 (Results of Operations and Financial Condition) and incorporates related disclosure into Item 7.01 (Regulation FD Disclosure).

Is the Ellington Credit Company press release considered filed with the SEC?

The company states that the information in Item 2.02 and the related disclosure in Item 7.01, including Exhibit 99.1, is being furnished and is not deemed "filed" under Section 18 of the Exchange Act unless specifically incorporated by reference elsewhere.

What exhibits are attached to Ellington Credit Company’s 8-K?

The report includes Exhibit 99.1, the press release dated August 19, 2025, and Exhibit 104, the cover page interactive data file embedded within the Inline XBRL document.

Who signed Ellington Credit Company’s 8-K current report?

The report was signed on behalf of Ellington Credit Company by Christopher Smernoff, who is the company’s Chief Financial Officer.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 08/19/2025 - 05:00 PM EDT Learn about SEC filing dates

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): August 19, 2025

Ellington Credit Company

(Exact name of registrant specified in its charter)

Delaware

001-35896

46-0687599

(State or Other Jurisdiction Of Incorporation)

(Commission File Number)

(IRS Employer Identification No.)

53 Forest Avenue

Old Greenwich, CT 06870

(Address of principal executive offices, zip code)

Registrant's telephone number, including area code: (203) 698-1200

Not applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class

Trading Symbol(s)

Name of Each Exchange on Which Registered

Common Shares of Beneficial Interest, $0.01 par value per share

EARN

The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company    ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.     ☐

Item 2.02    Results of Operations and Financial Condition.

The information in this Item 2.02 and the disclosure incorporated by reference in Item 7.01 with respect to Exhibit 99.1 attached to this Current Report on Form 8-K are being furnished by Ellington Credit Company (the "Company") pursuant to Item 7.01 of Form 8-K in satisfaction of the public disclosure requirements of Regulation FD and Item 2.02 of Form 8-K, insofar as they disclose historical information regarding the Company’s results of operations or financial condition for the quarter ended June 30, 2025.

On August 19, 2025, the Company issued a press release announcing its financial results for the quarter ended June 30, 2025. A copy of the press release is furnished herewith as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.

In accordance with General Instructions B.2 and B.6 of Form 8-K, the information included in Item 2.02 and the disclosure incorporated by reference in Item 7.01 shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any filing made by the Company under the Exchange Act or the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such a filing.

Item 7.01    Regulation FD Disclosure.

The disclosure contained in Item 2.02 is incorporated herein by reference.

Item 9.01    Financial Statements and Exhibits.

(d) Exhibits. The following exhibits are being furnished herewith this Current Report on Form 8-K.

99.1    Press Release dated August 19, 2025

104    Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

									ELLINGTON CREDIT COMPANY
Dated:			August 19, 2025			By:			/s/ Christopher Smernoff
									Christopher Smernoff
									Chief Financial Officer