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ECBK on Nasdaq

ECB Bancorp, Inc. /MD/

ECB Bancorp, Inc. /MD/ is an American savings institutions company based in Everett, listed on Nasdaq (ECBK).1

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Last updated Oct 21, 2026.

Overview

Compare with First Northwest Bancorp, Rhinebeck Bancorp, Inc. or GREENE COUNTY BANCORP INC, or pick any stock.

  • TickerECBK on Nasdaq1
  • IndustrySavings Institutions, Not Federally Chartered1
  • HeadquartersEverett, Massachusetts1
  • Incorporated inMD2
  • Business address419 Broadway, Everett, Ma 021492
  • Filer category, Emerging growth company2

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These forward-looking statements are based on our current beliefs and expectations and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. We are under no duty to and do not take any obligation to update any forward-looking statements after the date of this Annual Report.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

1299.7%Net margin4
3.6%Revenue growth, 20254
4.5%Return on equity4
$9.0MFree cash flow4

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Income tax25¢$2.6M
  • Profit75¢$7.8M

Out of $598.0K in revenue.4

Where each dollar of operating cash went, fiscal 2025

  • Capital spending2¢$214.0K
  • Share buybacks50¢$4.6M
  • Kept or used elsewhere48¢$4.4M

Out of $9.2M of cash from operations.4

Financial statements

Revenue4$598.0K in 2025+4% since 2024
0$200.0K$400.0K$600.0K2024: $577.0K$577.0K20242025: $598.0K$598.0K2025+4%
Net income5674$7.8M in 2025+92% since 2021
0$2.0M$4.0M$6.0M$8.0M2021: $4.0M$4.0M20212022: $2.7M$2.7M2022−33%2023: $4.5M$4.5M2023+64%2024: $4.0M$4.0M2024−10%2025: $7.8M$7.8M2025+95%

Every line of the income statement as filed: the last 2 fiscal years, latest first.4

Period ending2025-12-312024-12-31
Interest and fees on loans$69.1M$57.9M
Interest and dividends on securities$4.0M$3.2M
Interest on short-term investments$5.0M$6.0M
Interest on interest-bearing time deposits$117.0K$3.0K
Total interest and dividend income$78.2M$67.0M
Interest on deposits$37.1M$33.4M
Interest on Federal Home Loan Bank advances$9.2M$8.6M
Total interest expense$46.3M$42.1M
Net interest and dividend income$31.9M$25.0M
Provision for credit losses$1.5M$174.0K
Net interest and dividend income after provision for credit losses$30.4M$24.8M
Customer service fees$598.0K$577.0K
Income from bank-owned life insurance$475.0K$473.0K
Net gain on sales of loans$132.0K$119.0K
Other income$121.0K$57.0K
Total noninterest income$1.3M$1.2M
Salaries and employee benefits$13.2M$13.1M
Director compensation$797.0K$834.0K
Occupancy and equipment$1.1M$1.0M
Data processing$1.3M$1.2M
Computer software and licensing$441.0K$443.0K
Advertising and promotions$639.0K$551.0K
Professional fees$1.4M$1.3M
Federal Deposit Insurance Corporation deposit insurance$883.0K$752.0K
Other$1.6M$1.5M
Total noninterest expense$21.3M$20.7M
Income before income tax expense$10.4M$5.4M
Income tax expense$2.6M$1.4M
Net income$7.8M$4.0M
Weighted average shares outstanding, basic (in shares)8.1M shares8.3M shares
Weighted average shares outstanding, diluted (in shares)8.3M shares8.3M shares
Basic earnings per share (in dollars per share)$0.96$0.48
Diluted earnings per share (in dollars per share)$0.94$0.48

Compare ECB Bancorp, Inc. /MD/ with another company

Corporate structure

ECB Bancorp, Inc. /MD/ sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of ECB Bancorp, Inc. /MD/

  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on ECB Bancorp, Inc. /MD/, latest Mar 26, 2026 (2 filings since Jan 30, 2025)
  • AllianceBernstein Filed SC 13G/A on ECB Bancorp, Inc. /MD/, latest Feb 14, 2024 (2 filings since Feb 14, 2023)
  • ECB Bancorp, Inc. /MD/ Everett, Massachusetts

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What ECB Bancorp, Inc. /MD/ reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Land$594.0K4 Dec 31, 2025$594.0K4 Dec 31, 20240%
Buildings and improvements$5.7M4 Dec 31, 2025$5.7M4 Dec 31, 2024+0.3%
Furniture and fixtures$1.8M4 Dec 31, 2025$1.8M4 Dec 31, 2024+3.9%
Leasehold improvements$351.0K4 Dec 31, 2025$351.0K4 Dec 31, 20240%
Property and equipment, before depreciation$8.5M4 Dec 31, 2025$8.4M4 Dec 31, 2024+1.0%
Accumulated depreciation$5.1M4 Dec 31, 2025$4.9M4 Dec 31, 2024+3.5%
Property and equipment, net$3.4M4 Dec 31, 2025$3.5M4 Dec 31, 2024−2.4%
Operating-lease assets (leased space)$1.6M4 Dec 31, 2025$1.1M4 Dec 31, 2024+42.1%

Investments

ItemLatestA year beforeChange
Marketable securities, current$82.8M4 Dec 31, 2025$151.8M4 Dec 31, 2024−45.4%
Debt securities available for sale$6.6M7 Dec 31, 2024$5.0M7 Dec 31, 2023+31.2%
Debt securities held to maturity$73.2M7 Dec 31, 2024$77.0M7 Dec 31, 2023−4.9%
Loans, net of allowance$1.4B4 Dec 31, 2025$1.1B4 Dec 31, 2024+20.7%
Deposits held (banks)$1.1B4 Dec 31, 2025$998.5M4 Dec 31, 2024+13.4%

Properties, in its own words

We conduct our business through our main office located in Everett, Massachusetts, and our branch offices located in Lynnfield, Massachusetts, both of which we own, and through our branch office in Woburn, Massachusetts, which we lease. Additionally, we lease office space in Everett, Massachusetts which services back office and loan administration functions. At December 31, 2025 the total net book value of our land, buildings, leasehold improvements, furniture, fixtures and equipment was $3.4 million.

Item 2 of the 10-K filed Mar 25, 2026.3

Leadership

Who has led ECB Bancorp, Inc. /MD/, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Richard J. O'Neil Jr.2022–now

President

  1. Richard J. O'Neil Jr.2022–now

Chief financial officer

  1. John A. Citrano2022–2024
  2. Brandon Lavertu2024–now

Chief operating officer

  1. John A. Citrano2022–2025
2025
Board members and other officers (10)

Timeline

  1. Sep 22, 20268-K Executive or director change22
  2. Jul 23, 20268-K Results of operations23
  3. May 21, 20268-K Shareholder vote24
  4. Apr 23, 20268-K Results of operations25
  5. Feb 5, 20268-K Results of operations26
  6. Jan 9, 20268-K Other events27
  7. Dec 22, 20258-K Executive or director change28
  8. Oct 22, 20258-K Results of operations29
  9. Jul 24, 20258-K Results of operations30
  10. May 22, 20258-K Shareholder vote31
  11. May 8, 20258-K Other events32
  12. Apr 24, 20258-K Results of operations33
  13. Jul 27, 2022New chief executive Richard J. O'Neil Jr. becomes CEO10

Calendar

Coming up

  1. Oct 28, 2026Reports results for the quarter ending Sep/202634

When it reported results

  1. Jul 23, 2026Reported quarterly or annual results23
  2. Apr 23, 2026Reported quarterly or annual results25
  3. Feb 5, 2026Reported quarterly or annual results26
  4. Oct 22, 2025Reported quarterly or annual results29
  5. Jul 24, 2025Reported quarterly or annual results30
  6. Apr 24, 2025Reported quarterly or annual results33
  7. Feb 5, 2025Reported quarterly or annual results35
  8. Oct 24, 2024Reported quarterly or annual results36

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

129 filings to the SEC since October 2021: 4 annual reports, 14 quarterly reports, 35 major events, 45 insider forms, 6 large holders, 25 other. The latest 20:

  1. Sep 23, 20263 EDGAR
  2. Sep 22, 20268-K EDGAR
  3. Aug 7, 202610-Q EDGAR
  4. Jul 23, 20268-K EDGAR
  5. May 21, 20268-K EDGAR
  6. May 8, 202610-Q EDGAR
  7. May 1, 20264 EDGAR
  8. Apr 23, 20268-K EDGAR
  9. Apr 10, 2026ARS EDGAR
  10. Apr 10, 2026DEFA14A EDGAR
  11. Apr 10, 2026DEF 14A EDGAR
  12. Mar 26, 2026SCHEDULE 13G/A EDGAR
  13. Mar 25, 202610-K EDGAR
  14. Mar 20, 20264/A EDGAR
  15. Feb 9, 20264 EDGAR
  16. Feb 5, 20268-K EDGAR
  17. Jan 9, 20268-K EDGAR
  18. Dec 22, 20258-K EDGAR
  19. Dec 19, 20254 EDGAR
  20. Dec 9, 20254 EDGAR

The 129 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

29 open-market trades by officers, directors and large owners since October 2021: 27 buys and 2 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Apr 30, 2026Lavertu BrandonCFOBuy40$17.89$716Form 4
Feb 9, 2026Sullivan Maura EllenDirectorBuy2,200$18.50$40.7KForm 4
Dec 9, 2025Sullivan Maura EllenDirectorBuy563$16.98$9.6KForm 4
Dec 8, 2025Sullivan Maura EllenDirectorBuy2,937$16.83$49.4KForm 4
Sep 16, 2025O'Neil Richard J JrPresident and CEOBuy1,250$15.85$19.8KForm 4
Feb 24, 2025Lavertu BrandonCFOBuy1,828$14.45$26.4KForm 4
Feb 21, 2025Lavertu BrandonCFOBuy1,772$14.35$25.4KForm 4
Feb 20, 2025Lavertu BrandonCFOBuy1,350$14.41$19.4KForm 4
Feb 13, 2025CITRANO John AEVP and COOBuy1,400$14.19$19.9KForm 4
Feb 12, 2025CITRANO John AEVP and COOBuy1,650$14.07$23.2KForm 4
Feb 11, 2025CITRANO John AEVP and COOBuy2,038$14.12$28.8KForm 4
Feb 10, 2025CITRANO John AEVP and COOBuy1,637$14.16$23.2KForm 4
Sep 19, 2024Lavertu BrandonCFOBuy5,000$13.97$69.9KForm 4
Sep 18, 2024CITRANO John AEVP and COOBuy4,650$13.61$63.3KForm 4
Sep 17, 2024CITRANO John AEVP and COOBuy5,000$13.47$67.4KForm 4
May 15, 2024CITRANO John AEVP and COOBuy399$12.35$4.9KForm 4
May 14, 2024CITRANO John AEVP and COOBuy1,400$12.10$16.9KForm 4
May 13, 2024CITRANO John AEVP and COOBuy4,800$12.21$58.6KForm 4
May 10, 2024CITRANO John AEVP and COOBuy3,500$11.83$41.4KForm 4
May 9, 2024CITRANO John AEVP and COOBuy901$11.87$10.7KForm 4

All 29 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Richard J. O'NeilJr.$520.2K$855.6K39
2025John Migliozzi$318.3K$602.0K39
2025John A. Citrano$307.3K$549.1K39
2024President and Chief Executive Officer$486.2K$793.7K39
2024Executive VicePresident and Chief Operating Officer$295.5K$508.8K39

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 60. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Alliancebernstein L.P.754,430$12.6M0.0%−32,849
BlackRock, Inc.418,386$8.4M0.0%+23,740
Vanguard Capital Management LLC337,942$6.8M0.0%−45,980
Geode Capital Management, LLC175,662$3.5M0.0%+21,415
Sachetta, LLC118,853$2.4M1.2%No change
Renaissance Technologies LLC83,800$1.7M0.0%−4,066
State Street Corp77,792$1.6M0.0%−1,800
Oppenheimer & Close, LLC61,007$1.2M0.8%No change
Northern Trust Corp57,212$1.1M0.0%−6,191
Maltese Capital Management LLC55,198$1.1M0.2%No change
Minerva Advisors LLC49,940$1.0M0.6%No change
Vanguard Portfolio Management LLC49,702$998.0K0.0%+6,449
Vanguard Fiduciary Trust Co48,957$983.1K0.0%+509
Morgan Stanley48,447$972.8K0.0%+4,587
HighTower Advisors, LLC43,005$863.5K0.0%No change
Raffles Associates LP26,510$532.3K0.2%+13,111
Charles Schwab Investment Management Inc22,256$446.9K0.0%+1,981
GRIMES & Co WEALTH MANAGEMENT, LLC20,000$401.6K0.0%No change
Stilwell Value LLC20,000$401.6K0.2%No change
Bank of New York Mellon Corp17,909$359.6K0.0%+938
Nuveen, LLC16,898$339.3K0.0%New
Aqr Capital Management LLC13,756$276.2K0.0%New
Mariner, LLC12,980$260.6K0.0%+93
Rhumbline Advisers10,154$203.9K0.0%+370
Citadel Advisors LLC10,083$202.5K0.0%New

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How ECB Bancorp, Inc. /MD/ is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARECB Bancorp, Inc. /MD/1
  • CIK0001914605
  • Employer ID (EIN)88-15020793
  • Filer statusNon-accelerated filer an emerging growth company; a smaller reporting company; not a shell company3
  • Incorporated inMaryland3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6036 Savings Institutions, Not Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address419 Broadway, Everett, MA 021491
  • Phone(617) 387-11101
  • Shares outstanding8,737,702 as of Aug 6, 20269
  • Public float$112.6M as of Jun 30, 20253
  • AuditorWolf & Company, P.C., Boston, Massachusetts PCAOB ID 392; no auditor attestation of internal control over financial reporting3
  • On EDGAR sinceMar 10, 20221
  • Filings129 in all: 8-K (35), 4 (32), 10-Q (14), 3 (12), 10-K (4), ARS (4), DEF 14A (4), DEFA14A (4)1
    All 23 form types

    424B3 (2), CORRESP (2), EFFECT (2), SC 13G (2), SC 13G/A (2), 4/A (1), 8-A12B (1), CERT (1), POS AM (1), S-1 (1), S-1/A (1), S-8 (1), SCHEDULE 13G (1), SCHEDULE 13G/A (1), UPLOAD (1)

  • Latest filingsAnnual report (10-K) Mar 25, 2026
    Quarterly report (10-Q) Aug 7, 2026
    Proxy statement (DEF 14A) Apr 10, 2026
    Latest 8-K (8-K) Sep 22, 2026

Securities registered for trading

ClassSymbolExchange
Common stock, par value $0.01 per shareECBKNASDAQ

From the cover page of the 10-K filed Mar 25, 2026 (Section 12(b) of the Exchange Act).3

Risk factors and legal proceedings

Legal proceedings

Among other things, the activities of Everett Co-operative Bank, including with respect to disclosures about and implementation of numerous consumer products, are subject to various laws and numerous regulations, including those related to unfair or deceptive acts or practices. If Everett Co-operative Bank is found to have violated one or more consumer protection laws, it may be required to pay restitution to certain affected customers in connection with certain of these practices. In addition, as a result of the extensive regulation, supervision and examination of our business described elsewhere in this Annual Report, we are also involved, from time to time, in other reviews, investigations and proceedings (both formal and informal) by governmental agencies regarding our business, certain of which may result in adverse judgments, settlements, fines, penalties, public or private censure, increased costs, required remediation, restriction on business activities or other impacts on us.

We are not involved in any pending legal proceedings as a plaintiff or defendant other than routine legal proceedings occurring in the ordinary course of business, and at December 31, 2025, we were not involved in any legal proceedings, the outcome of which would be material to our financial condition or results of operations.

The opening of Item 3, Legal Proceedings.3

Sources

The numbers on this page point here. Each one links to the record it came from.

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    SEC EDGAROther events
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