ECB Bancorp (ECBK) Q2 2026 earnings summary

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.