ECB Bancorp, Inc. /MD/
For the period ended Jun 30, 2025. Filed Aug 8, 2025.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Jun 30, 2025 · Filed Aug 8, 2025
ECBK$21.45-0.5%Stored close · as of Nov 6, 2026
Contents
Consolidated Balance Sheets as of June 30, 2025 and December 31, 2024
Consolidated Balance Sheets
(Dollars in thousands)
| June 30, 2025 | December 31, 2024 | |
|---|---|---|
| ASSETS | ||
| Cash and due from banks | $6,329 | $5,828 |
| Short-term investments | 92,333 | 151,789 |
| Total cash and cash equivalents | 98,662 | 157,617 |
| Interest-bearing time deposits | — | 100 |
| Investments in available-for-sale securities, at fair value | 20,038 | 6,564 |
| Investments in held-to-maturity securities, at amortized cost (fair values of $62,547 at June 30, 2025 and $67,505 at December 31, 2024) | 66,845 | 73,215 |
| Loans held-for-sale | 1,504 | — |
| Loans, net of allowance for credit losses of $9,886 at June 30, 2025 and $8,884 at December 31, 2024 | 1,281,741 | 1,136,449 |
| Federal Home Loan Bank stock, at cost | 11,302 | 10,000 |
| Premises and equipment, net | 3,430 | 3,512 |
| Accrued interest receivable | 4,775 | 4,015 |
| Deferred tax asset, net | 5,511 | 4,914 |
| Bank-owned life insurance | 15,178 | 14,945 |
| Other assets | 6,028 | 6,822 |
| Total assets | $1,515,014 | $1,418,153 |
| LIABILITIES AND SHAREHOLDERS' EQUITY | ||
| Deposits: | ||
| Noninterest-bearing | $87,862 | $84,958 |
| Interest-bearing | 979,576 | 913,575 |
| Total deposits | 1,067,438 | 998,533 |
| Federal Home Loan Bank advances | 264,815 | 234,000 |
| Other liabilities | 14,484 | 17,352 |
| Total liabilities | 1,346,737 | 1,249,885 |
| Shareholders' Equity: | ||
| Preferred Stock, par value $0.01; Authorized: 1,000,000 shares; Issued and outstanding: 0 shares | — | — |
| Common Stock, par value $0.01; Authorized: 30,000,000 shares; Issued and outstanding: 8,946,958 shares and 9,095,833 shares at June 30, 2025 and December 31, 2024, respectively | 89 | 91 |
| Additional paid-in capital | 84,755 | 86,189 |
| Retained earnings | 90,582 | 87,845 |
| Accumulated other comprehensive (loss) income | (1,092) | 382 |
| Unallocated common shares held by the Employee Stock Ownership Plan | (6,057) | (6,239) |
| Total shareholders' equity | 168,277 | 168,268 |
| Total liabilities and shareholders' equity | $1,515,014 | $1,418,153 |
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