ECB Bancorp, Inc. /MD/ — Form 8-K
Filed October 22, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 28/100
What the filing says
ECB Bancorp reported Q3 2026 net income of $3.4M ($0.40 diluted EPS) vs. $3.3M in Q2 2026 and $2.4M in Q3 2025. Total assets grew to $1.69B (+1.3% QoQ). Total loans increased $55.5M to $1.46B (+3.9%); deposits grew $18.3M to $1.21B (+1.5%), with core deposits excluding brokers up $63.2M. The company opened its fourth full-service branch in Medford on October 13, 2026. Book value per share increased to $21.16 (+$0.60 QoQ). Net interest margin expanded 11 bps to 2.56%. Asset quality remains strong with NPAs at 0.08% of total assets.
Why this rating
Modest sequential earnings growth and steady loan/deposit expansion typical of small regional bank operations. Relative to $112.6M market cap, $21.6M asset growth and $55.5M loan increase are notable but not transformational. Branch expansion is standard growth strategy, not a material event. No material M&A, financing, guidance change, or risk event.
See more from October 22, 2026.
EDGAR·FLOW summarizes public SEC EDGAR filings with automated analysis. Materiality scores and stock-impact predictions are algorithmically generated and are not investment advice. Always verify against the source filing on SEC.gov.