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ECB Bancorp (ECBK) investor relations material
ECB Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Net income for Q3 2025 was $2.4 million ($0.29 per diluted share), up 115.3% year-over-year; nine-month net income was $5.2 million ($0.62 per diluted share), up 103.4% year-over-year.
Strategic focus on disciplined balance sheet growth, high-quality loans, and expense management drove improved profitability.
Credit quality remains strong, and ongoing stock repurchases are accretive to book value per share.
Financial highlights
Net interest and dividend income before provision for credit losses rose 34.4% year-over-year to $8.5 million for Q3 2025; net interest margin expanded to 2.19% from 1.85%.
Provision for credit losses increased to $183,000 in Q3 2025, reflecting higher loan growth.
Noninterest income increased 12.2% year-over-year to $341,000 for Q3 2025.
Noninterest expense rose 6.9% year-over-year to $5.4 million for Q3 2025.
Income tax expense for Q3 2025 was $817,000, with an effective tax rate of 25.1%.
Segment performance
Commercial real estate loans grew 36% to $311.5 million; multi-family real estate loans up 18.4% to $407.4 million; residential real estate loans up 7.4% to $454.1 million as of September 30, 2025.
Consumer loans surged 505.7% to $854,000; construction loans and commercial loans declined.
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Next ECB Bancorp earnings date
Q4 20256 Feb, 2026
Next ECB Bancorp earnings date
Q4 20256 Feb, 2026
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Frequently asked questions
ECB Bancorp, Inc. operates as the holding company for Everett Co-operative Bank, a Massachusetts-chartered stock cooperative bank. The bank provides a range of financial services, including accepting various deposit products such as certificates of deposit, IRAs, money market accounts, and checking accounts. It also offers loan products, which include residential real estate loans, commercial and multifamily real estate loans, construction and land loans, as well as home equity loans and lines of credit. In addition to its core banking activities, ECB Bancorp invests in securities, primarily U.S. government obligations, mortgage-backed securities, and corporate bonds. The company is headquartered in Everett, Massachusetts, and its shares are listed on the NASDAQ.
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