Ecb Bancorp, Inc. /Md/ (ECBK) — SEC Filings
Ecb Bancorp, Inc. /Md/ (ECBK) — 32 SEC filings. Latest: ARS (Apr 10, 2026). Includes 17 8-K, 6 10-Q, 3 10-K.
View Ecb Bancorp, Inc. /Md/ on SEC EDGAR
Overview
Ecb Bancorp, Inc. /Md/ (ECBK) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a ARS filed on Apr 10, 2026: ECB Bancorp, Inc. filed its Annual Report to Security Holders (ARS) on April 10, 2026, for the period ending December 31, 2025. The filing includes the complete submission text file and the ARS document itself, totaling over 9MB in size. The company's mailing and business address is 419 Broadway, Ev
Sentiment Summary
Across 32 filings, the sentiment breakdown is: 1 bullish, 29 neutral, 2 mixed. The dominant filing sentiment for Ecb Bancorp, Inc. /Md/ is neutral.
Filing Type Overview
Ecb Bancorp, Inc. /Md/ (ECBK) has filed 1 ARS, 1 DEFA14A, 3 10-K, 17 8-K, 6 10-Q, 2 DEF 14A, 2 SC 13G/A with the SEC between Jan 2024 to Apr 2026.
Filings by Year
Recent SEC Filings (32)
Risk Profile
Risk Assessment: Of ECBK's 28 recent filings, 0 were flagged as high-risk, 11 as medium-risk, and 17 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $1.38B |
Key Executives
- John F. O'Neill
- Michael J. O'Connor
- John J. O'Connor
- Richard J. O'Neil, Jr.
Industry Context
ECBK operates in the highly competitive Boston metropolitan banking market, facing pressure from larger regional banks and innovative fintech companies. The industry is characterized by a focus on deposit gathering, loan origination, and adapting to evolving customer preferences for digital services. Interest rate sensitivity remains a critical factor influencing net interest margins and overall profitability for banks of ECBK's size.
Top Tags
financial-reporting (6) · financials (5) · corporate-governance (4) · results-of-operations (3) · sec-filing (3) · 10-Q (3) · annual-report (2) · management-change (2) · Regional Banking (2) · 8-K (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| ARS Document Size | 9137905 | Indicates the volume of information provided in the annual report. |
| Complete Submission Text File Size | 12586947 | Represents the total size of the filing package. |
| Total Loan Portfolio | $1.38B | at December 31, 2025, reflecting growth strategy |
| One-to-Four Family Residential Real Estate Loans | $473.4M | 34.2% of total loan portfolio at December 31, 2025 |
| Multifamily Real Estate Loans | $425.4M | 30.8% of total loan portfolio at December 31, 2025, a key growth area |
| Commercial Real Estate Loans | $336.4M | 24.3% of total loan portfolio at December 31, 2025, a key growth area |
| FHLB Advances | $284.8M | outstanding at December 31, 2025, a significant funding source |
| Brokered Deposits | $134.0M | outstanding at December 31, 2025, a non-retail funding source |
| Aggregate Market Value of Non-Affiliate Common Equity | $112.6M | as of June 30, 2025, at $15.44 per share |
| Shares of Common Stock Outstanding | 8,778,585 | as of March 23, 2026 |
| Charitable Contributions by Foundation | $113,000 | during the year ended December 31, 2025 |
| Boston-Cambridge-Newton Unemployment Rate | 4.3% | in December 2025, lower than state and national averages |
| Net income for Q3 2025 | $2.439M | Increased 115.3% from $1.133M in Q3 2024 |
| Net income for nine months ended Sep 30, 2025 | $5.176M | Increased 103.4% from $2.545M in the prior year period |
| Net interest and dividend income for Q3 2025 | $8.456M | Increased 34.4% from $6.291M in Q3 2024 |
Frequently Asked Questions
What are the latest SEC filings for Ecb Bancorp, Inc. /Md/ (ECBK)?
Ecb Bancorp, Inc. /Md/ has 32 recent SEC filings from Jan 2024 to Apr 2026, including 17 8-K, 6 10-Q, 3 10-K. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of ECBK filings?
Across 32 filings, the sentiment breakdown is: 1 bullish, 29 neutral, 2 mixed. The dominant sentiment is neutral.
Where can I find Ecb Bancorp, Inc. /Md/ SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Ecb Bancorp, Inc. /Md/ (ECBK) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Ecb Bancorp, Inc. /Md/?
Key financial highlights from Ecb Bancorp, Inc. /Md/'s most recent 10-K include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for ECBK?
The investment thesis for ECBK includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Ecb Bancorp, Inc. /Md/?
Key executives identified across Ecb Bancorp, Inc. /Md/'s filings include John F. O'Neill, Michael J. O'Connor, John J. O'Connor, Richard J. O'Neil, Jr..
What are the main risk factors for Ecb Bancorp, Inc. /Md/ stock?
Of ECBK's 28 assessed filings, 0 were flagged high-risk, 11 medium-risk, and 17 low-risk.
What are recent predictions and forward guidance from Ecb Bancorp, Inc. /Md/?
Forward guidance and predictions for Ecb Bancorp, Inc. /Md/ are extracted from SEC filings as they are enriched.