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

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 · June 30, 2026 Change From
June 30, 2026 · March 31, 2026 · June 30, 2025 · March 31, 2026 · June 30, 2025
ASSETS
Cash and due from banks	$2,943	$3,043	$6,329	$(100)	-3.3%	$(3,386)	-53.5%
Short-term investments	121,026	108,248	92,333	12,778	11.8%	28,693	31.1%
Total cash and cash equivalents	123,969	111,291	98,662	12,678	11.4%	25,307	25.7%
Interest-earning time deposits	14,245	11,497	—	2,748	23.9%	14,245	—
Investments in available-for-sale securities (at fair value)	40,065	37,066	20,038	2,999	8.1%	20,027	99.9%
Investments in held-to-maturity securities, at cost (fair values of $46,837 at June 30, 2026, $48,044 at March 31, 2026 and $62,547 at June 30, 2025)	50,452	51,624	66,845	(1,172)	-2.3%	(16,393)	-24.5%
Loans held-for-sale	—	—	1,504	—	—	(1,504)	-100.0%
Loans, net of allowance for credit losses of $10,238 at June 30, 2026, $10,412 at March 31, 2026 and $9,886 at June 30, 2025	1,393,194	1,391,489	1,281,741	1,705	0.1%	111,453	8.7%
Federal Home Loan Bank stock, at cost	12,203	11,142	11,302	1,061	9.5%	901	8.0%
Premises and equipment, net	3,496	3,358	3,430	138	4.1%	66	1.9%
Accrued interest receivable	5,266	5,329	4,775	(63)	-1.2%	491	10.3%
Deferred tax asset, net	4,982	5,048	5,511	(66)	-1.3%	(529)	-9.6%
Bank-owned life insurance	15,656	15,537	15,178	119	0.8%	478	3.1%
Other assets	7,987	6,914	6,028	1,073	15.5%	1,959	32.5%
Total assets	$1,671,515	$1,650,295	$1,515,014	$21,220	1.3%	$156,501	10.3%
LIABILITIES AND SHAREHOLDERS' EQUITY
Deposits:
Noninterest-bearing	$102,806	$80,233	$87,862	$22,573	28.1%	$14,944	17.0%
Interest-bearing	1,089,896	1,119,162	979,576	(29,266)	-2.6%	110,320	11.3%
Total deposits	1,192,702	1,199,395	1,067,438	(6,693)	-0.6%	125,264	11.7%
Federal Home Loan Bank advances	285,000	260,815	264,815	24,185	9.3%	20,185	7.6%
Other liabilities	13,934	14,158	14,484	(224)	-1.6%	(550)	-3.8%
Total liabilities	1,491,636	1,474,368	1,346,737	17,268	1.2%	144,899	10.8%
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: 8,747,150 shares, 8,773,025 shares and 8,946,958 shares at June 30, 2026, March 31, 2026 and June 30, 2025, respectively	87	88	89	(1)	-1.1%	(2)	-2.2%
Additional paid-in capital	82,770	83,026	84,755	(256)	-0.3%	(1,985)	-2.3%
Retained earnings	102,000	98,739	90,582	3,261	3.3%	11,418	12.6%
Accumulated other comprehensive income (loss)	712	(144)	(1,092)	856	-594.4%	1,804	-165.2%
Unearned compensation - ESOP	(5,690)	(5,782)	(6,057)	92	-1.6%	367	-6.1%
Total shareholders' equity	179,879	175,927	168,277	3,952	2.2%	11,602	6.9%
Total liabilities and shareholders' equity	$1,671,515	$1,650,295	$1,515,014	$21,220	1.3%	$156,501	10.3%
Book value per common share	$20.56	$20.05	$18.81	$0.51	2.5%	$1.75	9.3%
Regulatory Capital Ratios (Everett Co-operative Bank)
Total capital to risk weighted assets	14.90%	14.55%	14.67%	0.35%		0.23%
Tier 1 capital to risk weighted assets	13.94%	13.60%	13.70%	0.34%		0.24%
Tier 1 capital to average assets	9.81%	9.83%	10.03%	-0.02%		-0.22%

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