ECB Bancorp (ECBK) investor relations material

Executive summary

• Q3 2026 net income was $3.391 million, or $0.40 per diluted share, vs. $3.261 million and $0.39 in Q2 2026; Q3 2025 net income was $2.439 million.

• Balance sheet growth continued: total assets reached $1.693 billion, up 1.3% QoQ; loans rose 3.9% to $1.460 billion.

Financial highlights

• Net interest and dividend income was $10.790 million, up 7.5% QoQ and 27.6% YoY; net interest income after provision was $10.585 million, up 6.1% QoQ.

• Diluted EPS was $0.40 vs. $0.39 QoQ and $0.29 YoY; reported net income increased 4.0% QoQ and 39.0% YoY.

• Noninterest income was $304,000, flat QoQ and down 10.9% YoY; noninterest expense was $6.275 million, up 8.0% QoQ and 17.1% YoY.

• 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 emphasized continued disciplined growth, prudent risk management and long-term shareholder value; 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.