ECB Bancorp, Inc. /MD/
For the period ended Oct 22, 2026. Filed Oct 22, 2026.
View on SEC.govAbout 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.
Oct 22, 2026 · Filed Oct 22, 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 | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| September 30, 2026 · June 30, 2026 · September 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 | $1,429,432 | $20,602 | 5.72% | $1,393,019 | $19,748 | 5.69% | $1,302,904 | $18,153 | 5.53% |
| Securities (1) | 90,454 | 1,126 | 4.94 | 89,533 | 991 | 4.44 | 86,398 | 844 | 3.88 |
| Short-term investments | 105,324 | 990 | 3.73 | 115,440 | 1,058 | 3.68 | 108,653 | 1,204 | 4.40 |
| Interest-earning time deposits | 19,659 | 203 | 4.10 | 13,612 | 139 | 4.10 | 2,548 | 28 | 4.36 |
| Total interest-earning assets | 1,644,869 | 22,921 | 5.53% | 1,611,604 | 21,936 | 5.46% | 1,500,503 | 20,229 | 5.35% |
| Non-interest-earning assets | 43,886 | 40,113 | 39,057 | ||||||
| Total assets | $1,688,755 | $1,651,717 | $1,539,560 | ||||||
| Interest-bearing liabilities: | |||||||||
| Checking accounts | 20,334 | 5 | 0.10% | 19,415 | 4 | 0.08% | 18,226 | 4 | 0.09% |
| Savings accounts | 76,004 | 293 | 1.53 | 78,815 | 302 | 1.54 | 91,144 | 481 | 2.09 |
| Money market accounts | 246,529 | 1,912 | 3.08 | 221,139 | 1,593 | 2.89 | 217,543 | 1,846 | 3.37 |
| Certificates of deposit | 734,424 | 7,017 | 3.79 | 785,497 | 7,559 | 3.86 | 696,263 | 7,217 | 4.11 |
| Total interest-bearing deposits | 1,077,291 | 9,227 | 3.40 | 1,104,866 | 9,458 | 3.43 | 1,023,176 | 9,548 | 3.70 |
| Federal Home Loan Bank advances | 310,652 | 3,097 | 3.96 | 269,032 | 2,645 | 3.94 | 243,673 | 2,413 | 3.93 |
| Total interest-bearing liabilities | 1,387,943 | 12,324 | 3.52% | 1,373,898 | 12,103 | 3.53% | 1,266,849 | 11,961 | 3.75% |
| Non-interest-bearing demand deposits | 104,073 | 85,352 | 89,252 | ||||||
| Non-interest-bearing liabilities | 13,883 | 13,738 | 14,165 | ||||||
| Total liabilities | 1,505,899 | 1,472,988 | 1,370,266 | ||||||
| Shareholders' equity | 182,856 | 178,729 | 169,294 | ||||||
| Total liabilities and shareholders' equity | $1,688,755 | $1,651,717 | $1,539,560 | ||||||
| Net interest income | $10,597 | $9,833 | $8,268 | ||||||
| Net interest rate spread (2) | 2.01% | 1.93% | 1.60% | ||||||
| Net interest-earning assets (3) | $256,926 | $237,706 | $233,654 | ||||||
| Net interest margin (4) | 2.56% | 2.45% | 2.19% | ||||||
| Average interest-earning assets to average interest-bearing liabilities | 118.51% | 117.30% | 118.44% | ||||||
| (1) | Excludes interest and dividends on cost method investments of $193,000, $202,000 and $188,000 for the three months ended September 30, 2026, June 30, 2026 and September 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. |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.