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ECB Bancorp (ECBK) investor relations material
ECB Bancorp Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income for Q1 2026 was $3.1 million, up from $2.6 million in Q4 2025 and $1.3 million in Q1 2025, with EPS of $0.38 per diluted share, up from $0.31 in the prior quarter.
CEO highlighted disciplined loan growth, strong deposit relationships, and prudent expense management as drivers of sustained success.
Expansion continues with a new branch in Medford, Massachusetts.
Financial highlights
Net interest and dividend income rose to $9.8 million, up 7.5% sequentially and 47.9% year-over-year.
Net interest margin expanded to 2.49% from 2.32% in the prior quarter.
Efficiency ratio improved to 56.54% from 60.80% in Q4 2025.
Total assets increased 2.8% sequentially to $1.65 billion.
Book value per share rose to $20.05 from $19.55 in Q4 2025.
Outlook and guidance
Management remains confident in long-term growth through branch expansion and innovative banking products.
- Director elections, auditor ratification, and strong governance with detailed executive compensation.ECBK
Proxy filing10 Apr 2026 - Shareholders will vote on director elections and auditor ratification at the 2026 annual meeting.ECBK
Proxy filing10 Apr 2026 - Earnings surged on strong loan growth, margin expansion, and improved efficiency.ECBK
Q4 20255 Feb 2026 - Annual meeting to elect directors and ratify auditor, with strong governance and oversight.ECBK
Proxy Filing2 Dec 2025 - Director elections and auditor ratification headline the annual meeting agenda.ECBK
Proxy Filing2 Dec 2025 - Net income surged 115% in Q3 2025 on strong loan growth and robust asset quality.ECBK
Q3 20257 Nov 2025 - Net income surged 82% year-over-year in Q2 2025 as margins and loan growth accelerated.ECBK
Q2 20258 Aug 2025 - Net income and margins fell, but strong loan growth and capital ratios were maintained.ECBK
Q3 202413 Jun 2025 - Net income dropped 44% as margins narrowed, but loan growth and asset quality remained strong.ECBK
Q2 202413 Jun 2025
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