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 · (dollars in thousands except share data)
(dollars in thousands except share data)
| As of · September 30, 2026 Change From | |||||||
|---|---|---|---|---|---|---|---|
| September 30, 2026 · June 30, 2026 · September 30, 2025 · June 30, 2026 · September 30, 2025 | |||||||
| ASSETS | |||||||
| Cash and due from banks | $2,707 | $2,943 | $3,351 | $(236) | -8.0% | $(644) | -19.2% |
| Short-term investments | 93,377 | 121,026 | 99,269 | (27,649) | -22.8% | (5,892) | -5.9% |
| Total cash and cash equivalents | 96,084 | 123,969 | 102,620 | (27,885) | -22.5% | (6,536) | -6.4% |
| Interest-earning time deposits | 2,248 | 14,245 | 7,998 | (11,997) | -84.2% | (5,750) | -71.9% |
| Investments in available-for-sale securities (at fair value) | 48,686 | 40,065 | 31,020 | 8,621 | 21.5% | 17,666 | 57.0% |
| Investments in held-to-maturity securities, at amortized cost (fair values of $38,674 at September 30, 2026, $46,837 at June 30, 2026 and $54,729 at September 30, 2025) | 43,388 | 50,452 | 58,485 | (7,064) | -14.0% | (15,097) | -25.8% |
| Loans held-for-sale | — | — | — | — | — | — | — |
| Loans, net of allowance for credit losses of $10,330 at September 30, 2026, $10,238 at June 30, 2026 and $10,015 at September 30, 2025 | 1,448,546 | 1,393,194 | 1,305,547 | 55,352 | 4.0% | 142,999 | 11.0% |
| Federal Home Loan Bank stock, at cost | 13,290 | 12,203 | 11,102 | 1,087 | 8.9% | 2,188 | 19.7% |
| Premises and equipment, net | 4,591 | 3,496 | 3,427 | 1,095 | 31.3% | 1,164 | 34.0% |
| Accrued interest receivable | 5,577 | 5,266 | 5,251 | 311 | 5.9% | 326 | 6.2% |
| Deferred tax asset, net | 4,848 | 4,982 | 5,612 | (134) | -2.7% | (764) | -13.6% |
| Bank-owned life insurance | 15,777 | 15,656 | 15,299 | 121 | 0.8% | 478 | 3.1% |
| Other assets | 10,046 | 7,987 | 6,292 | 2,059 | 25.8% | 3,754 | 59.7% |
| Total assets | $1,693,081 | $1,671,515 | $1,552,653 | $21,566 | 1.3% | $140,428 | 9.0% |
| LIABILITIES AND SHAREHOLDERS' EQUITY | |||||||
| Deposits: | |||||||
| Noninterest-bearing | $92,125 | $102,806 | $84,759 | $(10,681) | -10.4% | $7,366 | 8.7% |
| Interest-bearing | 1,118,846 | 1,089,896 | 1,023,846 | 28,950 | 2.7% | 95,000 | 9.3% |
| Total deposits | 1,210,971 | 1,192,702 | 1,108,605 | 18,269 | 1.5% | 102,366 | 9.2% |
| Federal Home Loan Bank advances | 282,500 | 285,000 | 259,815 | (2,500) | -0.9% | 22,685 | 8.7% |
| Other liabilities | 14,740 | 13,934 | 14,924 | 806 | 5.8% | (184) | -1.2% |
| Total liabilities | 1,508,211 | 1,491,636 | 1,383,344 | 16,575 | 1.1% | 124,867 | 9.0% |
| 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: 8,737,641 shares, 8,747,150 shares and 8,825,827 shares at September 30, 2026, June 30, 2026 and September 30, 2025, respectively | 87 | 87 | 88 | — | 0.0% | (1) | -1.1% |
| Additional paid-in capital | 83,036 | 82,770 | 83,162 | 266 | 0.3% | (126) | -0.2% |
| Retained earnings | 105,391 | 102,000 | 93,021 | 3,391 | 3.3% | 12,370 | 13.3% |
| Accumulated other comprehensive income (loss) | 1,953 | 712 | (998) | 1,241 | 174.3% | 2,951 | -295.7% |
| Unearned compensation - ESOP | (5,597) | (5,690) | (5,964) | 93 | -1.6% | 367 | -6.2% |
| Total shareholders' equity | 184,870 | 179,879 | 169,309 | 4,991 | 2.8% | 15,561 | 9.2% |
| Total liabilities and shareholders' equity | $1,693,081 | $1,671,515 | $1,552,653 | $21,566 | 1.3% | $140,428 | 9.0% |
| Book value per common share | $21.16 | $20.56 | $19.18 | $0.60 | 2.9% | $1.98 | 10.3% |
| Regulatory Capital Ratios (Everett Co-operative Bank) | |||||||
| Total capital to risk weighted assets | 14.52% | 14.90% | 14.68% | -0.38% | -0.16% | ||
| Tier 1 capital to risk weighted assets | 13.59% | 13.94% | 13.71% | -0.35% | -0.12% | ||
| Tier 1 capital to average assets | 9.82% | 9.81% | 9.85% | 0.01% | -0.03% | ||
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.