ECBK on Nasdaq
ECB Bancorp, Inc. /MD/
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.3 From its latest annual report
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Last updated Oct 19, 2026.
Overview
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- 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
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
Every line of the income statement as filed: the last 2 fiscal years, latest first.4
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| 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 shares | 8.3M shares |
| Weighted average shares outstanding, diluted (in shares) | 8.3M shares | 8.3M 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 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 3 fiscal years (annual) or 3 quarters (quarterly), latest first.4
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $4.1M | $5.8M | |
| Short-term investments | $82.8M | $151.8M | |
| Total cash and cash equivalents | $86.9M | $157.6M | |
| Interest-bearing time deposits | $8.0M | $100.0K | |
| Investments in available-for-sale securities (at fair value) | $34.3M | $6.6M | |
| Investments in held-to-maturity securities, at cost (fair values of $52,326 at December 31, 2025 and $67,505 at December 31, 2024) | $55.8M | $73.2M | |
| Loans held-for-sale | $357.0K | $0 | |
| Loans, net of allowance for credit losses of $10,255 as of December 31, 2025 and $8,884 as of December 31, 2024 | $1.4B | $1.1B | |
| Federal Home Loan Bank stock, at cost | $11.9M | $10.0M | |
| Premises and equipment, net | $3.4M | $3.5M | |
| Interest Receivable | $5.2M | $4.0M | |
| Deferred tax assets, net | $5.7M | $4.9M | |
| Bank-owned life insurance | $15.4M | $14.9M | |
| Other Assets | $6.9M | $6.8M | |
| Total assets | $1.6B | $1.4B | |
| Noninterest-bearing | $81.5M | $85.0M | |
| Interest-bearing | $1.1B | $913.6M | |
| Total deposits | $1.1B | $998.5M | |
| Federal Home Loan Bank advances | $284.8M | $234.0M | |
| Other Liabilities | $16.6M | $17.4M | |
| Total liabilities | $1.4B | $1.2B | |
| Preferred Stock, par value $0.01; Authorized: 1,000,000 shares; No shares issued or outstanding | $0 | $0 | |
| Common Stock, par value $0.01; Authorized: 30,000,000 shares; Issued and outstanding: 8,792,719 shares and 9,095,833 shares, at December 31, 2025 and December 31, 2024, respectively | $88.0K | $91.0K | |
| Additional paid-in capital | $83.0M | $86.2M | |
| Retained earnings | $95.6M | $87.8M | |
| Accumulated other comprehensive (loss) income | -$896.0K | $382.0K | |
| Unallocated common shares held by the Employee Stock Ownership Plan | -$5.9M | -$6.2M | |
| Total shareholders' equity | $171.9M | $168.3M | $164.9M |
| Total liabilities and shareholders' equity | $1.6B | $1.4B | |
| Investments in held-to-maturity securities, fair value | $52.3M | $67.5M | |
| Allowance for credit losses for loans | $10.3M | $8.9M | $8.6M |
| Preferred Stock, par value (in dollars per share) | $0.01 | $0.01 | |
| Preferred Stock, authorized (in shares) | 1.0M shares | 1.0M shares | |
| Preferred Stock, issued (in shares) | 0 shares | 0 shares | |
| Preferred Stock, outstanding (in shares) | 0 shares | 0 shares | |
| Common Stock, par value (in dollars per share) | $0.01 | $0.01 | |
| Common Stock, authorized (in shares) | 30.0M shares | 30.0M shares | |
| Common Stock, issued (in shares) | 8.8M shares | 9.1M shares | |
| Common Stock, outstanding (in shares) | 8.8M shares | 9.1M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $4.1M | $5.8M | |
| Short-term investments | $82.8M | $151.8M | |
| Total cash and cash equivalents | $86.9M | $157.6M | |
| Interest-bearing time deposits | $8.0M | $100.0K | |
| Investments in available-for-sale securities (at fair value) | $34.3M | $6.6M | |
| Investments in held-to-maturity securities, at cost (fair values of $52,326 at December 31, 2025 and $67,505 at December 31, 2024) | $55.8M | $73.2M | |
| Loans held-for-sale | $357.0K | $0 | |
| Loans, net of allowance for credit losses of $10,255 as of December 31, 2025 and $8,884 as of December 31, 2024 | $1.4B | $1.1B | |
| Federal Home Loan Bank stock, at cost | $11.9M | $10.0M | |
| Premises and equipment, net | $3.4M | $3.5M | |
| Interest Receivable | $5.2M | $4.0M | |
| Deferred tax assets, net | $5.7M | $4.9M | |
| Bank-owned life insurance | $15.4M | $14.9M | |
| Other Assets | $6.9M | $6.8M | |
| Total assets | $1.6B | $1.4B | |
| Noninterest-bearing | $81.5M | $85.0M | |
| Interest-bearing | $1.1B | $913.6M | |
| Total deposits | $1.1B | $998.5M | |
| Federal Home Loan Bank advances | $284.8M | $234.0M | |
| Other Liabilities | $16.6M | $17.4M | |
| Total liabilities | $1.4B | $1.2B | |
| Preferred Stock, par value $0.01; Authorized: 1,000,000 shares; No shares issued or outstanding | $0 | $0 | |
| Common Stock, par value $0.01; Authorized: 30,000,000 shares; Issued and outstanding: 8,792,719 shares and 9,095,833 shares, at December 31, 2025 and December 31, 2024, respectively | $88.0K | $91.0K | |
| Additional paid-in capital | $83.0M | $86.2M | |
| Retained earnings | $95.6M | $87.8M | |
| Accumulated other comprehensive (loss) income | -$896.0K | $382.0K | |
| Unallocated common shares held by the Employee Stock Ownership Plan | -$5.9M | -$6.2M | |
| Total shareholders' equity | $171.9M | $168.3M | $164.9M |
| Total liabilities and shareholders' equity | $1.6B | $1.4B | |
| Investments in held-to-maturity securities, fair value | $52.3M | $67.5M | |
| Allowance for credit losses for loans | $10.3M | $8.9M | $8.6M |
| Preferred Stock, par value (in dollars per share) | $0.01 | $0.01 | |
| Preferred Stock, authorized (in shares) | 1.0M shares | 1.0M shares | |
| Preferred Stock, issued (in shares) | 0 shares | 0 shares | |
| Preferred Stock, outstanding (in shares) | 0 shares | 0 shares | |
| Common Stock, par value (in dollars per share) | $0.01 | $0.01 | |
| Common Stock, authorized (in shares) | 30.0M shares | 30.0M shares | |
| Common Stock, issued (in shares) | 8.8M shares | 9.1M shares | |
| Common Stock, outstanding (in shares) | 8.8M shares | 9.1M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 2 fiscal years, latest first.4
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income | $7.8M | $4.0M |
| Accretion of securities, net | -$183.0K | -$63.0K |
| Provision for credit losses | $1.5M | $174.0K |
| Change in deferred loan costs/fees | $288.0K | $276.0K |
| Gain on sales of loans, net | -$132.0K | -$119.0K |
| Proceeds from sales of loans | $10.2M | $7.9M |
| Loans originated for sale, net | -$10.4M | -$7.8M |
| Depreciation and amortization expense | $297.0K | $302.0K |
| Increase in accrued interest receivable | -$1.2M | -$249.0K |
| Increase (decrease) in accrued interest payable | $302.0K | -$16.0K |
| Increase in bank-owned life insurance | -$475.0K | -$473.0K |
| Deferred income tax benefit | -$246.0K | -$250.0K |
| ESOP expense | $579.0K | $494.0K |
| Stock-based compensation expense | $1.2M | $1.3M |
| Increase in other assets | -$627.0K | -$3.4M |
| Increase in other liabilities | $302.0K | $4.1M |
| Net cash provided by operating activities | $9.2M | $6.2M |
| Purchases of held-to-maturity securities | -$28.7M | -$8.9M |
| Proceeds from paydowns and maturities of held-to-maturity securities | $46.2M | $12.7M |
| Purchases of available-for-sale securities | -$31.1M | -$6.6M |
| Proceeds from paydowns and maturities of available-for-sale securities | $3.8M | $5.0M |
| Purchase of interest-bearing time deposits | -$8.0M | -$200.0K |
| Proceeds from maturities of interest bearing time deposits | $100.0K | $100.0K |
| Investment in low-income housing tax credit funds | -$3.0M | $0 |
| Purchase of Federal Home Loan Bank Stock | -$5.9M | -$2.5M |
| Redemption of Federal Home Loan Bank Stock | $4.1M | $2.4M |
| Loan originations and principal collections, net | -$234.3M | -$89.1M |
| Purchase of loans | -$2.8M | -$8.2M |
| Capital expenditures | -$214.0K | -$60.0K |
| Net cash used in investing activities | -$259.9M | -$95.3M |
| Net increase in demand deposits, NOW and savings accounts | $11.0M | $23.3M |
| Net increase in time deposits | $122.8M | $107.0M |
| Proceeds from long-term Federal Home Loan Bank advances | $30.8M | $55.0M |
| Repayments of long-term Federal Home Loan Bank advances | -$25.0M | -$70.0M |
| Net change in short-term Federal Home Loan Bank advances | $45.0M | $15.0M |
| Restricted stock awards issued, net of awards surrendered | -$30.0K | -$24.0K |
| Stock options exercised | $0 | $69.0K |
| Payments for shares repurchased under share repurchase plan | -$4.6M | -$2.7M |
| Net cash provided by financing activities | $180.0M | $127.6M |
| Net (decrease) increase in cash and cash equivalents | -$70.7M | $38.6M |
| Interest paid | $46.6M | $42.0M |
| Federal | $2.0M | $1.1M |
No quarter-by-quarter statement was filed.
Leadership
Who has led ECB Bancorp, Inc. /MD/, and when. Pick a name to see everywhere that person has worked.
Chief executive
President
Chief financial officer
Chief operating officer
2025
- Chief executive officerRichard J. O'Neil Jr. Jul 27, 2022 to now10
- PresidentRichard J. O'Neil Jr. Jul 27, 2022 to now10
- Chief financial officerBrandon Lavertu Sep 20, 2024 to now11
- Chief financial officerJohn A. Citrano Jul 27, 2022 to May 16, 202412
- Chief operating officerJohn A. Citrano Jul 27, 2022 to Feb 14, 202512
Board members and other officers (10)
- CAOBrandon Lavertu Jul 27, 2022 to Nov 1, 202313
- Board memberMatthew J. Cushing Sep 23, 2026 to now14
- Board memberMaura Ellen Sullivan May 27, 2025 to now15
- Board memberDennis J. Leonard Sep 11, 2023 to Sep 11, 202316
- Board memberJoseph Sachetta Jul 27, 2022 to now17
- Board memberMarjorie A. White Jul 27, 2022 to Sep 11, 202318
- Board memberPaul A. Delroy Jul 27, 2022 to May 16, 202419
- Board memberRichard J. O'Neil Jr. Jul 27, 2022 to now10
- Board memberSusan Sgroi Jul 27, 2022 to Sep 11, 202320
- General counselJohn Migliozzi Jul 27, 2022 to Nov 1, 202321
Timeline
- Jul 27, 2022New chief executive Richard J. O'Neil Jr. becomes CEO10
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:
- Sep 23, 20263 EDGAR
- Sep 22, 20268-K EDGAR
- Aug 7, 202610-Q EDGAR
- Jul 23, 20268-K EDGAR
- May 21, 20268-K EDGAR
- May 8, 202610-Q EDGAR
- May 1, 20264 EDGAR
- Apr 23, 20268-K EDGAR
- Apr 10, 2026ARS EDGAR
- Apr 10, 2026DEFA14A EDGAR
- Apr 10, 2026DEF 14A EDGAR
- Mar 26, 2026SCHEDULE 13G/A EDGAR
- Mar 25, 202610-K EDGAR
- Mar 20, 20264/A EDGAR
- Feb 9, 20264 EDGAR
- Feb 5, 20268-K EDGAR
- Jan 9, 20268-K EDGAR
- Dec 22, 20258-K EDGAR
- Dec 19, 20254 EDGAR
- 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.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Apr 30, 2026 | Lavertu BrandonCFO | Buy | 40 | $17.89 | $716 | Form 4 |
| Feb 9, 2026 | Sullivan Maura EllenDirector | Buy | 2,200 | $18.50 | $40.7K | Form 4 |
| Dec 9, 2025 | Sullivan Maura EllenDirector | Buy | 563 | $16.98 | $9.6K | Form 4 |
| Dec 8, 2025 | Sullivan Maura EllenDirector | Buy | 2,937 | $16.83 | $49.4K | Form 4 |
| Sep 16, 2025 | O'Neil Richard J JrPresident and CEO | Buy | 1,250 | $15.85 | $19.8K | Form 4 |
| Feb 24, 2025 | Lavertu BrandonCFO | Buy | 1,828 | $14.45 | $26.4K | Form 4 |
| Feb 21, 2025 | Lavertu BrandonCFO | Buy | 1,772 | $14.35 | $25.4K | Form 4 |
| Feb 20, 2025 | Lavertu BrandonCFO | Buy | 1,350 | $14.41 | $19.4K | Form 4 |
| Feb 13, 2025 | CITRANO John AEVP and COO | Buy | 1,400 | $14.19 | $19.9K | Form 4 |
| Feb 12, 2025 | CITRANO John AEVP and COO | Buy | 1,650 | $14.07 | $23.2K | Form 4 |
| Feb 11, 2025 | CITRANO John AEVP and COO | Buy | 2,038 | $14.12 | $28.8K | Form 4 |
| Feb 10, 2025 | CITRANO John AEVP and COO | Buy | 1,637 | $14.16 | $23.2K | Form 4 |
| Sep 19, 2024 | Lavertu BrandonCFO | Buy | 5,000 | $13.97 | $69.9K | Form 4 |
| Sep 18, 2024 | CITRANO John AEVP and COO | Buy | 4,650 | $13.61 | $63.3K | Form 4 |
| Sep 17, 2024 | CITRANO John AEVP and COO | Buy | 5,000 | $13.47 | $67.4K | Form 4 |
| May 15, 2024 | CITRANO John AEVP and COO | Buy | 399 | $12.35 | $4.9K | Form 4 |
| May 14, 2024 | CITRANO John AEVP and COO | Buy | 1,400 | $12.10 | $16.9K | Form 4 |
| May 13, 2024 | CITRANO John AEVP and COO | Buy | 4,800 | $12.21 | $58.6K | Form 4 |
| May 10, 2024 | CITRANO John AEVP and COO | Buy | 3,500 | $11.83 | $41.4K | Form 4 |
| May 9, 2024 | CITRANO John AEVP and COO | Buy | 901 | $11.87 | $10.7K | Form 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.
- VANGUARD GROUP INCSCHEDULE 13G/A, 2 filings Jan 30, 2025 to Mar 26, 202622
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.
| Fund | Shares | Value | Share of the fund | Change |
|---|---|---|---|---|
| Alliancebernstein L.P. | 754,430 | $12.6M | 0.0% | −32,849 |
| BlackRock, Inc. | 418,386 | $8.4M | 0.0% | +23,740 |
| Vanguard Capital Management LLC | 337,942 | $6.8M | 0.0% | −45,980 |
| Geode Capital Management, LLC | 175,662 | $3.5M | 0.0% | +21,415 |
| Sachetta, LLC | 118,853 | $2.4M | 1.2% | No change |
| Renaissance Technologies LLC | 83,800 | $1.7M | 0.0% | −4,066 |
| State Street Corp | 77,792 | $1.6M | 0.0% | −1,800 |
| Oppenheimer & Close, LLC | 61,007 | $1.2M | 0.8% | No change |
| Northern Trust Corp | 57,212 | $1.1M | 0.0% | −6,191 |
| Maltese Capital Management LLC | 55,198 | $1.1M | 0.2% | No change |
| Minerva Advisors LLC | 49,940 | $1.0M | 0.6% | No change |
| Vanguard Portfolio Management LLC | 49,702 | $998.0K | 0.0% | +6,449 |
| Vanguard Fiduciary Trust Co | 48,957 | $983.1K | 0.0% | +509 |
| Morgan Stanley | 48,447 | $972.8K | 0.0% | +4,587 |
| HighTower Advisors, LLC | 43,005 | $863.5K | 0.0% | No change |
| Raffles Associates LP | 26,510 | $532.3K | 0.2% | +13,111 |
| Charles Schwab Investment Management Inc | 22,256 | $446.9K | 0.0% | +1,981 |
| GRIMES & Co WEALTH MANAGEMENT, LLC | 20,000 | $401.6K | 0.0% | No change |
| Stilwell Value LLC | 20,000 | $401.6K | 0.2% | No change |
| Bank of New York Mellon Corp | 17,909 | $359.6K | 0.0% | +938 |
| Nuveen, LLC | 16,898 | $339.3K | 0.0% | New |
| Aqr Capital Management LLC | 13,756 | $276.2K | 0.0% | New |
| Mariner, LLC | 12,980 | $260.6K | 0.0% | +93 |
| Rhumbline Advisers | 10,154 | $203.9K | 0.0% | +370 |
| Citadel Advisors LLC | 10,083 | $202.5K | 0.0% | New |
13F reports cover disclosed long positions in U.S. stocks only.
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 13SEC EDGARBrandon Lavertu, CAO
- 14SEC EDGARMatthew J. Cushing, Board member
- 15SEC EDGARMaura Ellen Sullivan, Board member
- 16SEC EDGARDennis J. Leonard, Board member
- 17SEC EDGARJoseph Sachetta, Board member
- 18SEC EDGARMarjorie A. White, Board member
- 19SEC EDGARPaul A. Delroy, Board member
- 20SEC EDGARSusan Sgroi, Board member
- 21SEC EDGARJohn Migliozzi, General counsel
- 22