ECB Bancorp, Inc. /MD/

For the period ended Apr 23, 2026. Filed Apr 23, 2026.

About this filing

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

See the whole filing, with its images and exhibits

EX-99.1 · (dollars in thousands except share data)

(dollars in thousands except share data)

As of · March 31, 2026 Change From
March 31, 2026 · December 31, 2025 · March 31, 2025 · December 31, 2025 · March 31, 2025
ASSETS
Cash and due from banks	$3,043	$4,121	$4,431	$(1,078)	-26.2%	$(1,388)	-31.3%
Short-term investments	108,248	82,801	143,677	25,447	30.7%	(35,429)	-24.7%
Total cash and cash equivalents	111,291	86,922	148,108	24,369	28.0%	(36,817)	-24.9%
Interest-bearing time deposits	11,497	7,998	100	3,499	43.7%	11,397	11397.0%
Investments in available-for-sale securities (at fair value)	37,066	34,317	13,950	2,749	8.0%	23,116	165.7%
Investments in held-to-maturity securities, at cost (fair values of $48,044 as of March 31, 2026, $52,326 at December 31, 2025 and $63,355 at March 31, 2025)	51,624	55,764	68,081	(4,140)	-7.4%	(16,457)	-24.2%
Loans held-for-sale	—	357	83	(357)	-100.0%	(83)	-100.0%
Loans, net of allowance for credit losses of $10,412 at March 31, 2026, $10,255 at December 31, 2025 and $8,808 at March 31, 2025	1,391,489	1,371,819	1,177,543	19,670	1.4%	213,946	18.2%
Federal Home Loan Bank stock, at cost	11,142	11,852	10,000	(710)	-6.0%	1,142	11.4%
Premises and equipment, net	3,358	3,429	3,455	(71)	-2.1%	(97)	-2.8%
Accrued interest receivable	5,329	5,214	4,343	115	2.2%	986	22.7%
Deferred tax asset, net	5,048	5,667	4,920	(619)	-10.9%	128	2.6%
Bank-owned life insurance	15,537	15,420	15,061	117	0.8%	476	3.2%
Other assets	6,914	6,894	6,547	20	0.3%	367	5.6%
Total assets	$1,650,295	$1,605,653	$1,452,191	$44,642	2.8%	$198,104	13.6%
LIABILITIES AND SHAREHOLDERS' EQUITY
Deposits:
Noninterest-bearing	$80,233	$81,497	$79,853	$(1,264)	-1.6%	$380	0.5%
Interest-bearing	1,119,162	1,050,847	956,767	68,315	6.5%	162,395	17.0%
Total deposits	1,199,395	1,132,344	1,036,620	67,051	5.9%	162,775	15.7%
Federal Home Loan Bank advances	260,815	284,815	234,000	(24,000)	-8.4%	26,815	11.5%
Other liabilities	14,158	16,560	12,993	(2,402)	-14.5%	1,165	9.0%
Total liabilities	1,474,368	1,433,719	1,283,613	40,649	2.8%	190,755	14.9%
Shareholders' Equity:
Preferred Stock, par value $0.01; Authorized: 1,000,000 shares; No shares issued	—	—	—	—	0.0%	—	0.0%
Common Stock, par value $0.01; Authorized: 30,000,000 shares; Issued and outstanding: 8,773,025 shares, 8,792,719 shares and 9,049,790 at March 31, 2026, December 31, 2025 and March 31, 2025, respectively	88	88	90	—	0.0%	(2)	-2.2%
Additional paid-in capital	83,026	82,997	85,879	29	0.0%	(2,853)	-3.3%
Retained earnings	98,739	95,617	89,142	3,122	3.3%	9,597	10.8%
Accumulated other comprehensive (loss) income	(144)	(896)	(385)	752	-83.9%	241	-62.6%
Unearned compensation - ESOP	(5,782)	(5,872)	(6,148)	90	-1.5%	366	-6.0%
Total shareholders' equity	175,927	171,934	168,578	3,993	2.3%	7,349	4.4%
Total liabilities and shareholders' equity	$1,650,295	$1,605,653	$1,452,191	$44,642	2.8%	$198,104	13.6%
Book value per common share	$20.05	$19.55	$18.63	$0.50	2.6%	$1.42	7.6%
Regulatory Capital Ratios (Everett Co-operative Bank)
Total capital to risk weighted assets	14.55%	14.29%	16.23%	0.26%		-1.68%
Tier 1 capital to risk weighted assets	13.60%	13.34%	15.25%	0.26%		-1.65%
Tier 1 capital to average assets	9.83%	9.86%	10.31%	-0.03%		-0.48%

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