ECB Bancorp, Inc. /MD/
For the period ended Oct 22, 2025. Filed Oct 22, 2025.
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A notice of a major event between regular reports, such as results, a deal or a change of executives. It is often the first formal record of the news.
Oct 22, 2025 · Filed Oct 22, 2025
ECBK$21.45-0.5%Stored close · as of Nov 6, 2026
Contents
EX-99.1 · (in thousands except share data)
(in thousands except share data)
| September 30, 2025 | December 31, 2024 | |
|---|---|---|
| ASSETS | ||
| Cash and due from banks | $3,351 | $5,828 |
| Short-term investments | 99,269 | 151,789 |
| Total cash and cash equivalents | 102,620 | 157,617 |
| Interest-bearing time deposits | 7,998 | 100 |
| Investments in available-for-sale securities (at fair value) | 31,020 | 6,564 |
| Investments in held-to-maturity securities, at amortized cost (fair values of $54,729 at September 30, 2025 and $67,505 at December 31, 2024) | 58,485 | 73,215 |
| Loans, net of allowance for credit losses of $10,015 at September 30, 2025 and $8,884 at December 31, 2024 | 1,305,547 | 1,136,449 |
| Federal Home Loan Bank stock, at cost | 11,102 | 10,000 |
| Premises and equipment, net | 3,427 | 3,512 |
| Accrued interest receivable | 5,251 | 4,015 |
| Deferred tax asset, net | 5,612 | 4,914 |
| Bank-owned life insurance | 15,299 | 14,945 |
| Other assets | 6,292 | 6,822 |
| Total assets | $1,552,653 | $1,418,153 |
| LIABILITIES AND SHAREHOLDERS' EQUITY | ||
| Deposits: | ||
| Noninterest-bearing | $84,759 | $84,958 |
| Interest-bearing | 1,023,846 | 913,575 |
| Total deposits | 1,108,605 | 998,533 |
| Federal Home Loan Bank advances | 259,815 | 234,000 |
| Other liabilities | 14,924 | 17,352 |
| Total liabilities | 1,383,344 | 1,249,885 |
| Shareholders' Equity: | ||
| Preferred Stock, par value $0.01; Authorized: 1,000,000 shares; No shares issued | — | — |
| Common Stock, par value $0.01; Authorized: 30,000,000 shares; Issued and outstanding: 8,825,827 shares and 9,095,833 shares at September 30, 2025 and December 31, 2024, respectively | 88 | 91 |
| Additional paid-in capital | 83,162 | 86,189 |
| Retained earnings | 93,021 | 87,845 |
| Accumulated other comprehensive (loss) income | (998) | 382 |
| Unearned compensation - ESOP | (5,964) | (6,239) |
| Total stockholders' equity | 169,309 | 168,268 |
| Total liabilities and stockholders' equity | $1,552,653 | $1,418,153 |
| Book value per common share | $19.18 | $18.50 |
| Regulatory Capital Ratios (Everett Co-operative Bank) | ||
| Total capital to risk weighted assets | 14.68% | 16.58% |
| Tier 1 capital to risk weighted assets | 13.71% | 15.56% |
| Tier 1 capital to average assets | 9.85% | 10.47% |
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