ECB Bancorp, Inc. /MD/ (ECBK) Financial Statements (2026 and earlier)

Company Profile

Business Address 419 BROADWAY
EVERETT, MA 02149
State of Incorp. MD
Fiscal Year End December 31
Industry (SIC) 6036 - Savings Institutions, Not Federally Chartered (benchmarking)
More info Complete Financial Analysis Financial Benchmarking

Balance Sheet (Statement of Financial Position) ($ in thousands)
Annual | Quarterly

3/31/2026
MRQ
12/31/2025
12/31/2024
12/31/2023
12/31/2022
ASSETS
Current Assets
Cash, cash equivalents, and short-term investments94,920157,717119,03662,350
Cash and cash equivalent12,1195,9283,7863,423
Short-term investments82,801151,789115,25058,927
Debt securities, held-to-maturity, accrued interest, after allowance for credit loss✕✕✕310 
Total current assets:94,920157,717119,34662,350
Noncurrent Assets
Operating lease, right-of-use asset 1,6331,1491,295 
Property, plant, and equipment, after accumulated depreciation, depletion, and amortization3,4293,5123,7543,698
Deferred income tax assets5,6674,9144,7674,344
Total noncurrent assets:10,7299,5759,8168,042
Other undisclosed assets1,500,0041,250,8611,151,173994,070
TOTAL ASSETS:1,605,6531,418,1531,280,3351,064,462
LIABILITIES AND EQUITY
Liabilities
Current Liabilities
Debt 79,815   
Total current liabilities: 79,815   
Noncurrent Liabilities
Other undisclosed liabilities1,353,9041,249,8851,115,434901,732
Total liabilities:1,433,7191,249,8851,115,434901,732
Equity
Equity, attributable to parent, including:171,934168,268164,901162,730
Common stock88919392
Additional paid in capital82,99786,18987,43189,286
Accumulated other comprehensive income (loss)(896)382129249
Retained earnings95,61787,84583,85480,076
Unearned esop shares  (6,239)(6,606)(6,973)
Other undisclosed equity, attributable to parent(5,872)   
Total equity:171,934168,268164,901162,730
TOTAL LIABILITIES AND EQUITY:1,605,6531,418,1531,280,3351,064,462

Income Statement (P&L) ($ in thousands)
Annual | Quarterly

3/31/2026
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
Revenues69,33457,97452,09627,745
Net investment income69,20257,85552,07527,661
Cost of revenue
(Provision for Loan, Lease, and Other Losses)		(1,534)(174)(803)(2,940)
Gross profit:67,80057,80051,29324,805
Operating expenses(4,406)(3,007)(3,242)(2,302)
Operating income:63,39454,79348,05122,503
Nonoperating income
(Bank Owned Life Insurance Income)		475473479828
Interest and debt expense   (29,986)(5,515)
Income from continuing operations before equity method investments, income taxes:63,86955,26618,54417,816
Other undisclosed loss from continuing operations before income taxes(53,490)(49,895)(12,559)(14,320)
Income from continuing operations before income taxes:10,3795,3715,9853,496
Income tax expense(2,607)(1,380)(1,529)(776)
Net income available to common stockholders, diluted:7,7723,9914,4562,720

Comprehensive Income ($ in thousands)
Annual | Quarterly

3/31/2026
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
Net income:7,7723,9914,4562,720
Other comprehensive income    
Other undisclosed comprehensive income    
Comprehensive income:7,7723,9914,4562,720
Other undisclosed comprehensive income (loss), net of tax, attributable to parent(1,278)253(120)332
Comprehensive income, net of tax, attributable to parent:6,4944,2444,3363,052

Statements Sources

The financial statements are based on the Company's filings with the U.S. Securities and Exchange Commission (SEC) through the Electronic Data Gathering, Analysis, and Retrieval system (EDGAR). The information is derived from the 10-K and 10-Q reports submitted to the SEC in XBRL (eXtensible Business Reporting Language) format and presented according to the US GAAP Taxonomy. Please review the original filings for a more detailed information.

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