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ECB Bancorp (ECBK) investor relations material
ECB Bancorp Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income for Q2 2026 was $3.3 million, up 126.5% year-over-year and 4.5% sequentially from Q1 2026.
Diluted EPS rose to $0.39, compared to $0.38 in Q1 2026 and $0.17 in Q2 2025.
Strong asset quality and disciplined community banking approach supported results.
Planned expansion into the Medford market with a new branch.
Financial highlights
Net interest and dividend income was $10.0 million, up 2.0% sequentially and 31.0% year-over-year.
Net interest margin decreased to 2.45% from 2.49% in Q1 2026.
Efficiency ratio improved to 56.21% from 62.13% a year ago.
Total assets reached $1.67 billion, up 1.3% from Q1 2026 and 10.3% year-over-year.
Book value per share increased to $20.56, up 2.5% sequentially and 9.3% year-over-year.
Outlook and guidance
Focus remains on supporting customers, expanding into new markets, and growing loans and deposits.
Management highlights continued momentum and disciplined growth strategy.
- Q1 2026 net income rose 140.7% to $3.1M, with strong loan, asset, and deposit growth.ECBK
Q1 20268 May 2026 - 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
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