ECB Bancorp, Inc. /MD/
For the period ended Jul 23, 2026. Filed Jul 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.
Jul 23, 2026 · Filed Jul 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 | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| June 30, 2026 · March 31, 2026 · June 30, 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 | $1,393,019 | $19,748 | 5.69% | $1,382,221 | $19,577 | 5.74% | $1,244,406 | $16,862 | 5.43% |
| Securities (1) | 89,533 | 991 | 4.44 | 87,438 | 944 | 4.38 | 88,039 | 812 | 3.70 |
| Short-term investments | 115,440 | 1,058 | 3.68 | 89,970 | 814 | 3.67 | 112,816 | 1,244 | 4.42 |
| Interest-earning time deposits | 13,612 | 139 | 4.10 | 8,964 | 93 | 4.21 | 38 | 1 | 5.37 |
| Total interest-earning assets | 1,611,604 | 21,936 | 5.46% | 1,568,593 | 21,428 | 5.54% | 1,445,299 | 18,919 | 5.25% |
| Non-interest-earning assets | 40,113 | 40,827 | 38,221 | ||||||
| Total assets | $1,651,717 | $1,609,420 | $1,483,520 | ||||||
| Interest-bearing liabilities: | |||||||||
| Checking accounts | 19,415 | 4 | 0.08% | 18,707 | 4 | 0.09% | 19,850 | 5 | 0.10% |
| Savings accounts | 78,815 | 302 | 1.54 | 86,152 | 341 | 1.61 | 92,469 | 480 | 2.08 |
| Money market accounts | 221,139 | 1,593 | 2.89 | 212,755 | 1,508 | 2.87 | 208,777 | 1,759 | 3.38 |
| Certificates of deposit | 785,497 | 7,559 | 3.86 | 755,407 | 7,345 | 3.94 | 658,102 | 6,878 | 4.19 |
| Total interest-bearing deposits | 1,104,866 | 9,458 | 3.43 | 1,073,021 | 9,198 | 3.48 | 979,198 | 9,122 | 3.74 |
| Federal Home Loan Bank advances | 269,032 | 2,645 | 3.94 | 263,592 | 2,582 | 3.97 | 236,076 | 2,319 | 3.94 |
| Total interest-bearing liabilities | 1,373,898 | 12,103 | 3.53% | 1,336,613 | 11,780 | 3.57% | 1,215,274 | 11,441 | 3.78% |
| Non-interest-bearing demand deposits | 85,352 | 82,279 | 85,317 | ||||||
| Non-interest-bearing liabilities | 13,738 | 15,777 | 13,516 | ||||||
| Total liabilities | 1,472,988 | 1,434,669 | 1,314,107 | ||||||
| Shareholders' equity | 178,729 | 174,751 | 169,413 | ||||||
| Total liabilities and shareholders' equity | $1,651,717 | $1,609,420 | $1,483,520 | ||||||
| Net interest income | $9,833 | $9,648 | $7,478 | ||||||
| Net interest rate spread (2) | 1.93% | 1.97% | 1.47% | ||||||
| Net interest-earning assets (3) | $237,706 | $231,980 | $230,025 | ||||||
| Net interest margin (4) | 2.45% | 2.49% | 2.08% | ||||||
| Average interest-earning assets to interest-bearing liabilities | 117.30% | 117.36% | 118.93% | ||||||
| (1) | Excludes interest and dividends on cost method investments of $202,000, $186,000 and $182,000 for the three months ended June 30, 2026, March 31, 2026 and June 30, 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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