Every 8-K 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 8-K covers material events a company has to report between its quarterly 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 net income of $3.3 million, or $0.39 per diluted share, for the quarter ended June 30, 2026, compared with $3.1 million, or $0.38 per diluted share, in the prior quarter. Management highlighted year-over-year earnings growth of 126.5% versus Q2 2025.
Net interest and dividend income before provision for credit losses was $10.0 million, up from $9.8 million in Q1 2026, while the net interest margin was 2.45% versus 2.49% in the prior quarter and 2.08% a year earlier. The efficiency ratio improved to 56.21% from 62.13% in Q2 2025. Noninterest income was $304,000 and noninterest expense was $5.8 million, with higher advertising tied to a new marketing firm and lower professional fees.
Total assets were $1.67 billion and total loans $1.40 billion at June 30, 2026. Total deposits were $1.19 billion, down 0.6% from March 31, 2026, though deposits excluding brokered deposits increased $18.3 million. Asset quality remained strong, with non-performing assets at 0.09% of total assets, net charge-offs of $2,000, and an allowance for credit losses of 0.73% of loans. Book value per share rose to $20.56, and bank-level total risk-based capital was 14.90%.
ECB Bancorp, Inc. held its annual stockholders meeting on May 20, 2026. Stockholders elected Joseph Sachetta and Susan Sgroi to the board of directors for three-year terms, with 4,030,944 and 3,931,127 votes “for,” respectively, and over 1 million votes “withheld” for each nominee.
There were 1,879,363 broker non-votes on the director elections. Stockholders also ratified Wolf & Company, P.C. as the independent registered public accounting firm for the fiscal year ending December 31, 2026, with 6,952,190 votes “for,” 2,050 “against,” and 16,656 “abstain” and no broker non-votes.
ECB Bancorp, Inc., holding company for Everett Co-operative Bank, reported a strong first quarter of 2026. Net income rose to $3.1 million, or $0.38 per diluted share, up from $2.6 million, or $0.31, in the prior quarter and $1.3 million, or $0.16, a year earlier.
Net interest and dividend income increased to $9.8 million, helped by higher loan balances and yields and a lower average cost of interest-bearing liabilities. The net interest margin expanded to 2.49% from 2.32% in Q4 2025. Noninterest expense edged down, improving the efficiency ratio to 56.54% from 60.80%.
The balance sheet continued to grow, with total assets at $1.65 billion, loans at $1.40 billion, and deposits at $1.20 billion as of March 31, 2026. Asset quality remained solid: nonperforming assets were 0.07% of total assets, and the allowance for credit losses was $10.4 million, or 0.74% of total loans. Book value per share increased to $20.05, reflecting earnings and improved other comprehensive income.
ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, reported that it has released its financial results for the three months and year ended December 31, 2025, through a separate press release attached as an exhibit. The press release contains the detailed figures and discussion of performance.
The company also announced that its annual meeting of stockholders is scheduled for May 20, 2026. This meeting date sets the timeline for shareholder votes on routine corporate matters and any proposals the board presents.
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.
ECB Bancorp, Inc. (ECBK) furnished an earnings update. The company reported that it issued a press release announcing its financial results at and for the three and nine months ended September 30, 2025. The press release is provided as Exhibit 99.1 and is furnished under Item 2.02.
The company noted the press release is furnished and not deemed filed under the Exchange Act, and it is not incorporated by reference into Securities Act filings.