Every 10-Q that ECB Bancorp, Inc. (ECBK) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, 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. reported Q2 2026 net income of $3,261 thousand, up from $1,440 thousand a year earlier, with diluted EPS of $0.39 versus $0.17. Net interest and dividend income rose to $10,035 thousand, while the total provision for credit losses was $61 thousand.
Total assets reached $1,671,515 thousand as of June 30, 2026, with loans, net, of $1,393,194 thousand and deposits of $1,192,702 thousand. Non-accrual loans totaled $1,455 thousand, and the allowance for credit losses on loans was $10,238 thousand. The bank remained well capitalized, with a total risk-based capital ratio of 14.90% and Common Equity Tier 1 ratio of 13.94%.
ECB Bancorp, Inc. reported stronger results for the quarter ended March 31, 2026. Net income rose to $3.1 million from $1.3 million a year earlier, and diluted earnings per share increased to $0.38 from $0.16. Net interest and dividend income grew to $9.8 million from $6.6 million, as interest and fee income on loans climbed while funding costs also increased.
Total assets reached $1.65 billion at March 31, 2026, up from $1.61 billion at year-end, driven by loan growth to $1.40 billion and higher cash and short-term investments. Deposits rose to $1.20 billion, with time deposits expanding notably, and Federal Home Loan Bank advances declined.
Credit quality remained solid, with non-accrual loans of about $1.2 million and an allowance for credit losses on loans of $10.4 million. The bank stayed well capitalized, posting a total risk-based capital ratio of 14.55% and a Tier 1 leverage ratio of 9.83%. Derivative cash flow hedges on borrowings helped manage interest rate risk and contributed to a swing to positive other comprehensive income.
ECB Bancorp (ECBK) reported stronger Q3 2025 results. Net income was $2.439 million, up from $1.133 million a year ago, with diluted EPS of $0.29 (basic $0.30). Net interest and dividend income rose to $8.456 million from $6.291 million as loan interest increased. The quarterly provision for credit losses was $183,000.
Total assets reached $1.553 billion versus $1.418 billion at year-end. Net loans grew to $1.306 billion (allowance $10.015 million) and deposits were $1.109 billion. Federal Home Loan Bank advances were $259.815 million. Noninterest expense was $5.358 million.
Credit quality metrics were stable: nonaccrual loans were $1.149 million at September 30, 2025, down from $1.957 million at December 31, 2024. Accumulated other comprehensive income shifted to a $998,000 loss. Shares outstanding were 8,825,827 at quarter‑end; as of November 6, 2025, 8,796,890 shares were outstanding.