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ECB Bancorp (ECBK) investor relations material
ECB Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $1.4 million, up 82% year-over-year; six-month net income was $2.7 million, up 93.8% from the prior year.
Improved net interest margins and strong credit quality contributed to earnings growth.
Book value per share increased to $18.81 from $18.50 at year-end 2024.
Efficiency ratio improved to 62.1% in Q2 2025 from 78.5% in Q2 2024.
Second stock repurchase plan initiated following completion of the first.
Financial highlights
Net interest and dividend income rose 27.4% year-over-year to $7.7 million for Q2 2025; net interest margin increased to 2.08%.
Total interest and dividend income for Q2 2025 was $19.1 million, up 16.6% year-over-year.
Provision for credit losses increased to $1.1 million in Q2 2025, reflecting higher loan growth.
Noninterest income for Q2 2025 was $355,000, up 22.8% year-over-year; noninterest expense was $5.0 million, up 0.7%.
Provision for income tax expense was $475,000 for Q2 2025, effective tax rate 24.8%.
Outlook and guidance
Management anticipates sufficient liquidity to meet funding commitments and expects to retain a significant portion of maturing time deposits.
The company remains well-capitalized and expects to maintain strong liquidity and capital positions.
Management expects to benefit from a more stable interest rate environment and continues to focus on disciplined growth.
Ongoing expense management and credit quality remain priorities.
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Next ECB Bancorp earnings date
Q3 202530 Oct, 2025
Next ECB Bancorp earnings date
Q3 202530 Oct, 2025
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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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