Here are the 10-K annual reports from ECB Bancorp, Inc. (ECBK) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow ECBK and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full ECBK filings page.
ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, provides a detailed overview of its community banking operations in Massachusetts for the year ended December 31, 2025. The company focuses on deposit-funded lending in the greater Boston area, with total loans of $1.38 billion, led by one-to-four family residential ($473.4 million), multifamily ($425.4 million) and commercial real estate ($336.4 million).
Credit quality metrics are strong: non-performing assets total $1.1 million, or 0.08% of total loans and 0.07% of total assets, while the allowance for credit losses is $10.3 million, or 0.74% of loans, after modest net charge-offs of $86,000. The loan book is predominantly adjustable-rate beyond 2026, and commercial and multifamily exposures are diversified by property type and largely within the primary market area.
On the funding side, total deposits are $1.13 billion, with certificates of deposit representing 64.3% and all balances fully insured through FDIC and Depositors Insurance Fund coverage. The bank supplements deposits with $284.8 million of Federal Home Loan Bank advances and maintains additional unused borrowing capacity. The report also highlights ongoing branch expansion, technology investment, and a community-oriented charitable foundation funded with cash and shares from the 2022 mutual-to-stock conversion.