ECB Bancorp第二季純利326萬美元按年增126% 每股盈利0.39美元

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Balances of accrued interest receivable excluded from amortized cost and the calculation of allowance for credit losses amounted to $4.6 million as of March 31, 2026 and December 31, 2025.
All loans not formally rated were accruing as of March 31, 2026 and December 31, 2025.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 10-Q

(Mark One)

 ☒
 QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 

 

For the quarterly period ended June 30, 2026

 

OR

 

 ☐
 TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 

 

For the transition period from ________________________ to ______________________

 

Commission File Number: 001-41456

ECB Bancorp, Inc.

(Exact Name of Registrant as Specified in its Charter)

 

 

 Maryland
 88-1502079
 

 ( State or other jurisdiction of
 incorporation or organization)
 (I.R.S. Employer
 Identification No.)
 

 419 Broadway
 Everett, Massachusetts
 02149
 

 (Address of principal executive offices)
 (Zip Code)
 

 

Registrant’s telephone number, including area code: (617) 387-1110

 

 

Securities registered pursuant to Section 12(b) of the Act:

 

 Title of each class 
     
 Ticker Symbol
     
 Name of each exchange on which registered
 

 Common Stock, $0.01 par value
   ECBK
   The NASDAQ Stock Market, LLC
 

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such requirements for the past 90 days.

Yes ☒   No ☐

 

Indicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the Registrant was required to submit such files).

Yes ☒   No ☐

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b‑2 of the Exchange Act:

 

 Large accelerated filer ☐
 Accelerated filer ☐
 

 Non-accelerated filer ☒
 Smaller reporting company ☒
 

  Emerging growth company ☒
 

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

Indicate by check mark whether the Registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes ☐   No ☒

 

As of  August 6, 2026, 8,737,702 shares of the Registrant’s common stock, par value $0.01 per share, were issued and outstanding.

 

 

 
 
 
  
 

 

 

 
 
 
 
  
 

 

 

 

 
  
 

 
 ECB Bancorp, Inc. 

 Form 10-Q

  

 Index

  

 
 
 
  
  
 Page
 
 

 
 Part I. Financial Information
 
 

 
  
  
  
 

 
 Item 1.
 
 Financial Statements (unaudited)
 
  
 

 
  
  
  
 

 
  
 Consolidated Balance Sheets as of June 30, 2026 and December 31, 2025
 
 1
 
 

 
  
  
  
 

 
  
 Consolidated Statements of Income for the Three and Six Months Ended June 30, 2026 and 2025
 
 2
 
 

 
  
  
  
 

 
  
 Consolidated Statements of Comprehensive Income for the Three and Six Months Ended June 30, 2026 and 2025
 
 3
 
 

 
  
  
  
 

 
  
 Consolidated Statements of Changes in Shareholders' Equity for the Three and Six Months Ended June 30, 2026 and 2025
 
 4
 
 

 
  
  
  
 

 
  
 Consolidated Statements of Cash Flows for the Six Months Ended June 30, 2026 and 2025
 
 5
 
 

 
  
  
  
 

 
  
 Notes to Consolidated Financial Statements
 
 6
 
 

 
  
  
  
 

 
 Item 2.
 
 Management’s Discussion and Analysis of Financial Condition and Results of Operations
 
 24
 
 

 
  
  
  
 

 
 Item 3.
 
 Quantitative and Qualitative Disclosures about Market Risk
 
 33
 
 

 
  
  
  
 

 
 Item 4.
 
 Controls and Procedures
 
 33
 
 

 
  
  
  
 

 
 Part II. Other Information
 
 

 
  
  
  
 

 
 Item 1.
 
 Legal Proceedings
 
 34
 
 

 
  
  
  
 

 
 Item 1A.
 
 Risk Factors
 
 34
 
 

 
  
  
  
 

 
 Item 2.
 
 Unregistered Sales of Equity Securities and Use of Proceeds
 
 34
 
 

 
  
  
  
 

 
 Item 3.
 
 Defaults upon Senior Securities
 
 34
 
 

 
  
  
  
 

 
 Item 4.
 
 Mine Safety Disclosures
 
 34
 
 

 
  
  
  
 

 
 Item 5.
 
 Other Information
 
 34
 
 

 
  
  
  
 

 
 Item 6.
 
 Exhibits
 
 35
 
 

 
  
  
  
 

 
  
 Signature Page
 
 36
 
 

 
 
  

 
 
 
 
  
 

 

 

 
 
 
 
  
 

 

 

 

  

 

 
  
 

 
  
 

 Part I. – Financial Information

  

 Item 1. Financial Statements

  

 ECB Bancorp, Inc. and Subsidiary

 Consolidated Balance Sheets 

 (unaudited)

 (Dollars in thousands)

  

 
    June 30, 2026
    December 31, 2025
  

         

 ASSETS
         

 Cash and due from banks
  $2,943  $4,121 

 Short-term investments
   121,026   82,801 

 Total cash and cash equivalents
   123,969   86,922 

 Interest-earning time deposits
   14,245   7,998 

 Investments in available-for-sale securities, at fair value
   40,065   34,317 

 Investments in held-to-maturity securities, at cost (fair values of $46,837 as of June 30, 2026, and $52,326 at December 31, 2025)
   50,452   55,764 

 Loans held-for-sale
   —   357 

 Loans, net of allowance for credit losses of $10,238 at June 30, 2026, and $10,255 at December 31, 2025.
   1,393,194   1,371,819 

 Federal Home Loan Bank stock, at cost
   12,203   11,852 

 Premises and equipment, net
   3,496   3,429 

 Accrued interest receivable
   5,266   5,214 

 Deferred tax asset, net
   4,982   5,667 

 Bank-owned life insurance
   15,656   15,420 

 Other assets
   7,987   6,894 

 Total assets
  $1,671,515  $1,605,653 

         

 LIABILITIES AND SHAREHOLDERS' EQUITY
         

 Deposits:
         

 Noninterest-bearing
  $102,806  $81,497 

 Interest-bearing
   1,089,896   1,050,847 

 Total deposits
   1,192,702   1,132,344 

 Federal Home Loan Bank advances
   285,000   284,815 

 Other liabilities
   13,934   16,560 

 Total liabilities
   1,491,636   1,433,719 

 Commitments and contingencies (see Note 7)
   —    —  

 Shareholders' equity:
         

 Preferred Stock, par value $0.01; Authorized: 1,000,000 shares; No shares issued
   —   — 

 Common Stock, par value $0.01; Authorized: 30,000,000 shares; Issued and outstanding: 8,747,150 shares and 8,792,719 shares at June 30, 2026 and December 31, 2025, respectively
   87   88 

 Additional paid-in capital
   82,770   82,997 

 Retained earnings
   102,000   95,617 

 Accumulated other comprehensive income (loss)
   712   (896)

 Unallocated common shares held by the Employee Stock Ownership Plan
   (5,690)  (5,872)

 Total shareholders' equity
   179,879   171,934 

 Total liabilities and shareholders' equity
  $1,671,515  $1,605,653 

 

  

 The accompanying notes are an integral part of these unaudited consolidated financial statements.

  

 
 
 
 
 1
 

 

 

 
 
 
 
  
 

 

 

 

 
  
 

  

 ECB Bancorp, Inc. and Subsidiary

 Consolidated Statements of Income

 (unaudited)

 (Dollars in thousands, except share data)

  

 
    Three months ended
    Six months ended
  

   June 30,
    June 30,
  

   2026
    2025
    2026
    2025
  

 Interest and dividend income:
                 

 Interest and fees on loans
  $19,748  $16,862  $39,324  $32,005 

 Interest and dividends on securities
   1,193   994   2,324   1,847 

 Interest on short-term investments
   1,058   1,244   1,871   2,869 

 Interest on interest-earning time deposits
   139   1   232   2 

 Total i