ECB Bancorp (ECBK) CEO adds 1,250 IRA shares at $15.85 each

Rhea-AI Filing Summary

ECB Bancorp, Inc. reported an open-market insider purchase by its President and CEO, Richard J. O'Neil Jr. On September 16, 2025, an IRA associated with him bought 1,250 shares of common stock at $15.85 per share.

After this trade, that IRA held 27,355 common shares, with additional holdings of 67,399 direct shares, 15,000 shares in a Roth IRA, and 4,417 shares through an ESOP. He also held 168,498 stock options that vest 20% per year beginning October 31, 2024.

Insider Trade Summary

Net Buyer: 1,250 shares ($19,813)

Net Buy 5 txns

Insider O'Neil Richard J Jr

Role President and CEO

Bought 1,250 shs ($20K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	1,250	$15.85	$20K
holding	Stock Options	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 27,355 shares (Indirect, By IRA); Stock Options — 168,498 shares (Direct); Common Stock — 67,399 shares (Direct)

Footnotes (1)

1. Includes shares of restricted stock which vest at a rate of 20% per year commencing on October 31, 2024. Stock options vest at a rate of 20% per year commencing on October 31, 2024. Reflects transactions not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934, as amended.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

O'Neil Richard J Jr

(Last) (First) (Middle)

419 BROADWAY

(Street)

EVERETT 02149

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
ECB Bancorp, Inc. /MD/ [ ECBK ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	President and CEO

3. Date of Earliest Transaction (Month/Day/Year)
09/16/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/16/2025		P		1,250	A	$15.85	27,355	I	By IRA
Common Stock								67,399(1)	D
Common Stock								15,000	I	By Roth IRA
Common Stock								4,417(3)	I	By ESOP

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Options	$10.12							10/31/2024	10/31/2033	Common Stock	168,498(2)		168,498(2)	D

Explanation of Responses:

1. Includes shares of restricted stock which vest at a rate of 20% per year commencing on October 31, 2024.

2. Stock options vest at a rate of 20% per year commencing on October 31, 2024.

3. Reflects transactions not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934, as amended.

	/s/ Steven T. Lanter, pursuant to power of attorney	09/18/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did ECB Bancorp (ECBK) disclose in this Form 4?

ECB Bancorp disclosed that President and CEO Richard J. O'Neil Jr., through an IRA, bought 1,250 shares of common stock at $15.85 per share on September 16, 2025. This was reported as an open-market or private purchase transaction.

How many ECB Bancorp (ECBK) shares does the CEO hold after the reported trade?

After the reported trade, an IRA associated with the CEO held 27,355 common shares. He also reported 67,399 common shares held directly, 15,000 common shares through a Roth IRA, and 4,417 common shares through an ESOP, plus 168,498 stock options.

What price was paid per share in the ECB Bancorp (ECBK) CEO’s purchase?

The IRA associated with ECB Bancorp’s President and CEO purchased 1,250 common shares at a price of $15.85 per share. This transaction on September 16, 2025 was identified with code P, indicating an open-market or private purchase.

How are the ECB Bancorp (ECBK) CEO’s stock options structured?

The CEO reported 168,498 stock options on ECB Bancorp common stock with an exercise price of $10.12 per share. These options vest at a rate of 20% per year, commencing on October 31, 2024, and are held directly, expiring on October 31, 2033.

What indirect holdings of ECB Bancorp (ECBK) stock does the CEO report?

The CEO reports indirect ownership of ECB Bancorp common stock through multiple accounts: 27,355 shares held by an IRA, 15,000 shares held by a Roth IRA, and 4,417 shares held through an ESOP. These are in addition to his directly held common shares and options.