ECB Bancorp (NASDAQ: ECBK) plans Medford branch opening in Q3 2026

Rhea-AI Filing Summary

ECB Bancorp, Inc. reported that its wholly owned subsidiary, Everett Co-operative Bank, is filing an application to open a new branch office at 501 High Street in Medford, Massachusetts. The new location is planned as an additional branch of the bank.

The company stated that the Medford branch is expected to open in the third quarter of 2026, indicating a planned geographic expansion of its community banking presence in Massachusetts.

8-K Event Classification

2 items: 8.01, 9.01

2 items

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

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

Understanding 8-K Material Events →

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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): January 9, 2026

ECB BANCORP, INC.

(Exact Name of Registrant as Specified in Its Charter)

Maryland	001-41456	88-1502079
(State or other jurisdiction of	(Commission	(IRS Employer
incorporation or organization)	File Number)	Identification No.)

419 Broadway, Everett, Massachusetts 02149

(Address of principal executive offices) (Zip Code)

(617) 387-1110

(Registrant’s telephone number, including area code)

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 Stock, par value $0.01 per share	ECBK	The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

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 8.01.         Other Events.

On January 9, 2026, ECB Bancorp, Inc. (the “Company”) issued a press release announcing that its wholly owned subsidiary, Everett Co-operative Bank, is filing an application to establish a new branch office located at 501 High Street, Medford, Massachusetts. The new branch office is expected to open in the third quarter of 2026. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.

Item 9.01         Financial Statements and Other Exhibits.

      (d)        Exhibits

Number                       Description

99.1                             Press Release dated January 9, 2026

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

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

	ECB BANCORP, INC.
Date: January 9, 2026	By: /s/ Brandon N. Lavertu
	Brandon N. Lavertu
	Executive Vice President and Chief Financial Officer

FAQ

What did ECBK announce in this 8-K filing?

ECB Bancorp, Inc. announced that its subsidiary, Everett Co-operative Bank, is filing an application to establish a new branch office in Medford, Massachusetts.

Where will ECB Bancorp’s new branch be located?

The planned branch of Everett Co-operative Bank will be located at 501 High Street, Medford, Massachusetts.

When is ECB Bancorp’s new Medford branch expected to open?

The new Medford branch is expected to open in the third quarter of 2026.

Which ECB Bancorp subsidiary is opening the new branch?

The new branch will be opened by Everett Co-operative Bank, the wholly owned subsidiary of ECB Bancorp, Inc.

What exhibit is included with this ECBK 8-K?

The 8-K includes a press release dated January 9, 2026 as Exhibit 99.1, along with a cover page interactive data file as Exhibit 104.

Does the ECB Bancorp 8-K discuss any financial results?

This 8-K focuses on the planned new Medford branch and related press release; it does not present earnings or other financial results.