ECB Bancorp, Inc. /MD/
For the period ended Mar 31, 2026. Filed May 8, 2026.
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.
Mar 31, 2026 · Filed May 8, 2026
ECBK$21.45-0.5%Stored close · as of Nov 6, 2026
Contents
Consolidated Balance Sheets as of March 31, 2026 and December 31, 2025
Consolidated Balance Sheets
(Dollars in thousands)
| March 31, 2026 | December 31, 2025 | |
|---|---|---|
| ASSETS | ||
| Cash and due from banks | $3,043 | $4,121 |
| Short-term investments | 108,248 | 82,801 |
| Total cash and cash equivalents | 111,291 | 86,922 |
| Interest-bearing time deposits | 11,497 | 7,998 |
| Investments in available-for-sale securities, at fair value | 37,066 | 34,317 |
| Investments in held-to-maturity securities, at cost (fair values of $48,044 as of March 31, 2026, and $52,326 at December 31, 2025) | 51,624 | 55,764 |
| Loans held-for-sale | — | 357 |
| Loans, net of allowance for credit losses of $10,412 at March 31, 2026, and $10,255 at December 31, 2025. | 1,391,489 | 1,371,819 |
| Federal Home Loan Bank stock, at cost | 11,142 | 11,852 |
| Premises and equipment, net | 3,358 | 3,429 |
| Accrued interest receivable | 5,329 | 5,214 |
| Deferred tax asset, net | 5,048 | 5,667 |
| Bank-owned life insurance | 15,537 | 15,420 |
| Other assets | 6,914 | 6,894 |
| Total assets | $1,650,295 | $1,605,653 |
| LIABILITIES AND SHAREHOLDERS' EQUITY | ||
| Deposits: | ||
| Noninterest-bearing | $80,233 | $81,497 |
| Interest-bearing | 1,119,162 | 1,050,847 |
| Total deposits | 1,199,395 | 1,132,344 |
| Federal Home Loan Bank advances | 260,815 | 284,815 |
| Other liabilities | 14,158 | 16,560 |
| Total liabilities | 1,474,368 | 1,433,719 |
| Commitments and contingencies (see Note 7) | — | — |
| 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: 8,773,025 shares and 8,792,719 shares at March 31, 2026 and December 31, 2025, respectively | 88 | 88 |
| Additional paid-in capital | 83,026 | 82,997 |
| Retained earnings | 98,739 | 95,617 |
| Accumulated other comprehensive loss | (144) | (896) |
| Unallocated common shares held by the Employee Stock Ownership Plan | (5,782) | (5,872) |
| Total shareholders' equity | 175,927 | 171,934 |
| Total liabilities and shareholders' equity | $1,650,295 | $1,605,653 |
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