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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
ECB Bancorp
ECB Bancorp (ECBK) investor relations material
ECB Bancorp Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Q3 2026 net income was $3.391 million, up 39.0% YoY; 9M net income was $9.8 million, up 88.8%.
Total assets reached $1.693 billion, up 5.4% from Dec. 31, 2025; gross loans rose 5.6% to $1.460 billion and deposits grew 6.9% to $1.211 billion.
Financial highlights
Q3 interest and dividend income increased 13.2% YoY to $23.1 million; interest expense rose 3.0% to $12.3 million.
Q3 net interest and dividend income was $10.790 million, up 27.6% YoY and 7.5% QoQ; 9M increased 34.7% to $30.7 million.
Q3 diluted EPS was $0.40 vs. $0.29 YoY and $0.39 QoQ; 9M diluted EPS was $1.17 vs. $0.62.
Q3 noninterest expense rose 17.1% YoY to $6.275 million; 9M rose 14.7% to $17.8 million, while 9M noninterest income declined 3.2% to $935,000.
Deposits were $1.211 billion, up 1.5% QoQ; nonbrokered deposits rose $63.2 million while brokered deposits fell $45.0 million.
Outlook and guidance
Management expects sufficient funds for current commitments and anticipates retaining a significant portion of maturing time deposits, based on retention experience and current pricing.
Approximately $1.1 million of cash-flow hedge gains are expected to be reclassified as a decrease to interest expense over the 12 months after Sept. 30, 2026; no numerical forward guidance was stated.
The Medford branch, opened October 13, 2026, is the fourth full-service location and expands presence in the core market.
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Latest events from ECB Bancorp
- Net income surged 126.5% in Q2 2026, driven by strong asset growth and robust capital ratios.ECBK
Q2 2026 - Q1 2026 net income rose 140.7% to $3.1M, with strong loan, asset, and deposit growth.ECBKQ1 2026
- Director elections, auditor ratification, and strong governance with detailed executive compensation.ECBKProxy filing
- Shareholders will vote on director elections and auditor ratification at the 2026 annual meeting.ECBKProxy filing
- Earnings surged on strong loan growth, margin expansion, and improved efficiency.ECBKQ4 2025
- Annual meeting to elect directors and ratify auditor, with strong governance and oversight.ECBKProxy Filing
- Director elections and auditor ratification headline the annual meeting agenda.ECBKProxy Filing
- Net income surged 115% in Q3 2025 on strong loan growth and robust asset quality.ECBKQ3 2025
- Net income surged 82% year-over-year in Q2 2025 as margins and loan growth accelerated.ECBKQ2 2025
Next ECB Bancorp earnings date
Q4 20265 Feb, 2027
ECB Bancorp
Next ECB Bancorp earnings date
Q4 20265 Feb, 2027
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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.