Welcome to our dedicated page for ECB Bancorp SEC filings (Ticker: ECBK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
ECB Bancorp, Inc. filings document the public-company disclosures of a Maryland bank holding company and its wholly owned subsidiary, Everett Co-operative Bank. Form 8-K reports include quarterly and annual financial results, net interest and dividend income, earnings, and material operating events for the bank, including branch-application disclosures.
Proxy materials cover annual meeting procedures, director elections, auditor ratification, stockholder voting, board governance, and common stock voting matters. The filings also frame the company’s deposit-funded banking model and real estate lending categories, including residential, commercial, multifamily, construction and land loans, and home equity lines of credit.
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 (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.
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.
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.
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.