Welcome to our dedicated page for ECB Bancorp SEC filings (Ticker: ECBK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
ECB Bancorp, Inc. (ECBK) files regulatory reports with the U.S. Securities and Exchange Commission as a Maryland-incorporated bank holding company for Everett Co-operative Bank. This SEC filings page brings those disclosures together and pairs them with AI-powered summaries to help explain the information they contain.
The company uses current reports on Form 8-K to furnish press releases that discuss its results of operations and financial condition for specified reporting periods. In one such filing, ECB Bancorp, Inc. notes that it issued a press release announcing financial results for three- and nine-month periods, and that the press release is included as an exhibit. The filing also references an Inline XBRL cover page data file, reflecting standard public company reporting practices.
On this page, users can review ECB Bancorp, Inc.’s 8-K filings and other SEC documents as they become available, including exhibits such as earnings press releases. The AI features summarize key points from lengthy filings, highlight sections related to financial performance, and clarify technical language so that investors can more easily understand the company’s disclosures.
In addition to current reports, this page can surface other core SEC filings for ECB Bancorp, Inc., such as annual and quarterly reports when they are filed. Users interested in the company’s results of operations, financial condition, and regulatory reporting can rely on this page to access those documents and see AI-generated explanations that outline the main themes and disclosures in each filing.
ECB Bancorp, Inc. calls its 2026 annual meeting for May 20, 2026 to elect two directors, Joseph Sachetta and Susan Sgroi, for three-year terms and to ratify Wolf & Company, P.C. as independent auditor for 2026.
The proxy details board committee roles, independence and director qualifications, and highlights governance policies, including insider trading and anti-hedging rules, stock ownership guidelines effective January 1, 2026, and a clawback policy aligned with SEC and Nasdaq rules. It outlines 2025 executive pay, with CEO Richard J. O’Neil, Jr. receiving total compensation of $855,646, heavily tied to an annual incentive plan funded at 145% of target based on bank performance metrics.
The filing also summarizes equity awards under the 2023 Equity Incentive Plan, employment and change-in-control agreements, retirement and deferred compensation arrangements, director fees and retirement benefits, and major shareholdings, including AllianceBernstein L.P. at 9.09%, the ESOP at 8.27%, and directors and officers as a group at 10.4% ownership.
The Vanguard Group amended its Schedule 13G for ECB Bancorp Inc. and reports 0 shares beneficially owned, representing 0% of the common stock. The amendment explains an internal realignment effected January 12, 2026, after which certain Vanguard subsidiaries report ownership separately under SEC Release No. 34-39538.
ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, provides a detailed overview of its community banking operations in Massachusetts for the year ended December 31, 2025. The company focuses on deposit-funded lending in the greater Boston area, with total loans of $1.38 billion, led by one-to-four family residential ($473.4 million), multifamily ($425.4 million) and commercial real estate ($336.4 million).
Credit quality metrics are strong: non-performing assets total $1.1 million, or 0.08% of total loans and 0.07% of total assets, while the allowance for credit losses is $10.3 million, or 0.74% of loans, after modest net charge-offs of $86,000. The loan book is predominantly adjustable-rate beyond 2026, and commercial and multifamily exposures are diversified by property type and largely within the primary market area.
On the funding side, total deposits are $1.13 billion, with certificates of deposit representing 64.3% and all balances fully insured through FDIC and Depositors Insurance Fund coverage. The bank supplements deposits with $284.8 million of Federal Home Loan Bank advances and maintains additional unused borrowing capacity. The report also highlights ongoing branch expansion, technology investment, and a community-oriented charitable foundation funded with cash and shares from the 2022 mutual-to-stock conversion.
ECB Bancorp director Joseph Sachetta exercised stock options to acquire 5,832 shares of Common Stock at $11.80 per share on December 18, 2024. Following the transaction, he holds 17,496 common shares directly, 35,000 shares through an IRA, and 15,000 shares through his spouse’s Roth IRA. The options and related restricted stock vest at 20% per year beginning September 8, 2024.
ECB Bancorp, Inc. director Maura Ellen Sullivan reported an insider purchase of common stock. On February 9, 2026, a spouse-related account bought 2,200 shares of ECBK at $18.50 per share, reported as indirectly owned. Following this transaction, Sullivan beneficially owns 5,700 indirectly held shares through her spouse and 1,150 directly held shares, which include restricted stock scheduled to vest 100% on December 17, 2026.
ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, reported that it has released its financial results for the three months and year ended December 31, 2025, through a separate press release attached as an exhibit. The press release contains the detailed figures and discussion of performance.
The company also announced that its annual meeting of stockholders is scheduled for May 20, 2026. This meeting date sets the timeline for shareholder votes on routine corporate matters and any proposals the board presents.
ECB Bancorp, Inc. reported that its wholly owned subsidiary, Everett Co-operative Bank, is filing an application to open a new branch office at 501 High Street in Medford, Massachusetts. The new location is planned as an additional branch of the bank.
The company stated that the Medford branch is expected to open in the third quarter of 2026, indicating a planned geographic expansion of its community banking presence in Massachusetts.
ECB Bancorp (ECBK) reported stronger Q3 2025 results. Net income was $2.439 million, up from $1.133 million a year ago, with diluted EPS of $0.29 (basic $0.30). Net interest and dividend income rose to $8.456 million from $6.291 million as loan interest increased. The quarterly provision for credit losses was $183,000.
Total assets reached $1.553 billion versus $1.418 billion at year-end. Net loans grew to $1.306 billion (allowance $10.015 million) and deposits were $1.109 billion. Federal Home Loan Bank advances were $259.815 million. Noninterest expense was $5.358 million.
Credit quality metrics were stable: nonaccrual loans were $1.149 million at September 30, 2025, down from $1.957 million at December 31, 2024. Accumulated other comprehensive income shifted to a $998,000 loss. Shares outstanding were 8,825,827 at quarter‑end; as of November 6, 2025, 8,796,890 shares were outstanding.
ECB Bancorp, Inc. (ECBK) furnished an earnings update. The company reported that it issued a press release announcing its financial results at and for the three and nine months ended September 30, 2025. The press release is provided as Exhibit 99.1 and is furnished under Item 2.02.
The company noted the press release is furnished and not deemed filed under the Exchange Act, and it is not incorporated by reference into Securities Act filings.