ECB Bancorp, Inc. /MD/
For the period ended Apr 23, 2026. Filed Apr 23, 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.
Apr 23, 2026 · Filed Apr 23, 2026
ECBK$21.45-0.5%Stored close · as of Nov 6, 2026
Contents
EX-99.1 · AVERAGE BALANCE, RATE & YIELD ANALYSIS
AVERAGE BALANCE, RATE & YIELD ANALYSIS
| For the Three Months Ended | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| March 31, 2026 · December 31, 2025 · March 31, 2025 | |||||||||
| Average · Average · Average | |||||||||
| Outstanding · Yield/ · Outstanding · Yield/ · Outstanding · Yield/ | |||||||||
| Balance | Interest | Rate | Balance | Interest | Rate | Balance | Interest | Rate | |
| (Dollars in thousands) | |||||||||
| Interest-earning assets: | |||||||||
| Total loans | $1,382,221 | $19,577 | 5.74% | $1,343,347 | $18,928 | 5.59% | $1,157,934 | $15,142 | 5.30% |
| Securities (1) | 87,438 | 944 | 4.38 | 89,492 | 923 | 4.09 | 80,925 | 672 | 3.37 |
| Short term investments | 89,970 | 814 | 3.67 | 89,807 | 896 | 3.96 | 148,262 | 1,625 | 4.45 |
| Interest-bearing time deposits | 8,964 | 93 | 4.21 | 7,998 | 87 | 4.32 | 100 | 1 | 4.06 |
| Total interest-earning assets | 1,568,593 | 21,428 | 5.54% | 1,530,644 | 20,834 | 5.40% | 1,387,221 | 17,440 | 5.10% |
| Non-interest-earning assets | 40,827 | 38,069 | 38,096 | ||||||
| Total assets | $1,609,420 | $1,568,713 | $1,425,317 | ||||||
| Interest-bearing liabilities: | |||||||||
| Checking accounts | 18,707 | 4 | 0.09% | 19,991 | 5 | 0.10% | 17,462 | 3 | 0.07% |
| Savings accounts | 86,152 | 341 | 1.61 | 89,271 | 414 | 1.84 | 98,934 | 513 | 2.10 |
| Money market accounts | 212,755 | 1,508 | 2.87 | 218,847 | 1,719 | 3.12 | 189,339 | 1,564 | 3.35 |
| Certificates of deposit | 755,407 | 7,345 | 3.94 | 729,799 | 7,394 | 4.02 | 638,676 | 6,779 | 4.30 |
| Total interest-bearing deposits | 1,073,021 | 9,198 | 3.48 | 1,057,908 | 9,532 | 3.57 | 944,411 | 8,859 | 3.80 |
| Federal Home Loan Bank advances | 263,592 | 2,582 | 3.97 | 236,988 | 2,356 | 3.94 | 217,111 | 2,114 | 3.95 |
| Total interest-bearing liabilities | 1,336,613 | 11,780 | 3.57% | 1,294,896 | 11,888 | 3.64% | 1,161,522 | 10,973 | 3.83% |
| Non-interest-bearing demand deposits | 82,279 | 82,271 | 79,781 | ||||||
| Non-interest-bearing liabilities | 15,777 | 15,181 | 14,741 | ||||||
| Total liabilities | 1,434,669 | 1,392,348 | 1,256,044 | ||||||
| Shareholders' Equity | 174,751 | 171,365 | 169,273 | ||||||
| Total liabilities and shareholders' equity | $1,609,420 | $1,563,713 | $1,425,317 | ||||||
| Net interest income | $9,648 | $8,946 | $6,467 | ||||||
| Net interest rate spread (2) | 1.97% | 1.76% | 1.27% | ||||||
| Net interest-earning assets (3) | $231,980 | $235,748 | $225,699 | ||||||
| Net interest margin (4) | 2.49% | 2.32% | 1.89% | ||||||
| Average interest-earning assets to interest-bearing liabilities | 117.36% | 118.21% | 119.43% | ||||||
| (1) | Excludes interest and dividends on cost method investments of $186,000, $206,000 and $181,000 for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively. |
| (2) | Net interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average rate of interest-bearing liabilities. |
| (3) | Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities. |
| (4) | Net interest margin represents net interest income divided by average total interest-earning assets. |
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