ECB Bancorp, Inc. /MD/
For the period ended Feb 5, 2026. Filed Feb 5, 2026.
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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.
Feb 5, 2026 · Filed Feb 5, 2026
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)
| December 31, 2025 | December 31, 2024 | |
|---|---|---|
| ASSETS | ||
| Cash and due from banks | $4,121 | $5,828 |
| Short-term investments | 82,801 | 151,789 |
| Total cash and cash equivalents | 86,922 | 157,617 |
| Interest-bearing time deposits | 7,998 | 100 |
| Investments in available-for-sale securities (at fair value) | 34,317 | 6,564 |
| Investments in held-to-maturity securities, at cost (fair values of $52,326 at December 31, 2025 and $67,505 at December 31, 2024) | 55,764 | 73,215 |
| Loans held-for-sale | 357 | — |
| Loans, net of allowance for credit losses of $10,255 as of December 31, 2025 and $8,884 as of December 31, 2024 | 1,371,819 | 1,136,449 |
| Federal Home Loan Bank stock, at cost | 11,852 | 10,000 |
| Premises and equipment, net | 3,429 | 3,512 |
| Accrued interest receivable | 5,214 | 4,015 |
| Deferred tax asset, net | 5,667 | 4,914 |
| Bank-owned life insurance | 15,420 | 14,945 |
| Other assets | 6,894 | 6,822 |
| Total assets | $1,605,653 | $1,418,153 |
| LIABILITIES AND SHAREHOLDERS' EQUITY | ||
| Deposits: | ||
| Noninterest-bearing | $81,497 | $84,958 |
| Interest-bearing | 1,050,847 | 913,575 |
| Total deposits | 1,132,344 | 998,533 |
| Federal Home Loan Bank advances | 284,815 | 234,000 |
| Other liabilities | 16,560 | 17,352 |
| Total liabilities | 1,433,719 | 1,249,885 |
| Shareholders' Equity: | ||
| Preferred Stock, par value $0.01; Authorized: 1,000,000 shares; No shares issued or outstanding | — | — |
| Common Stock, par value $0.01; Authorized: 30,000,000 shares; Issued and outstanding: 8,792,719 shares and 9,095,833 shares, at December 31, 2025 and December 31, 2024, respectively | 88 | 91 |
| Additional paid-in capital | 82,997 | 86,189 |
| Retained earnings | 95,617 | 87,845 |
| Accumulated other comprehensive (loss) income | (896) | 382 |
| Unearned compensation - ESOP | (5,872) | (6,239) |
| Total stockholders' equity | 171,934 | 168,268 |
| Total liabilities and stockholders' equity | $1,605,653 | $1,418,153 |
| Book value per common share | $19.55 | $18.50 |
| Regulatory Capital Ratios (Everett Co-operative Bank) | ||
| Total capital to risk weighted assets | 14.29% | 16.58% |
| Tier 1 capital to risk weighted assets | 13.34% | 15.56% |
| Tier 1 capital to average assets | 9.86% | 10.47% |
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