Monitor next quarter for sustained margin expansion and loan growth trends; the improving efficiency ratio and strong asset quality suggest operating leverage is building.
Price Chart
Executive Summary
ECB Bancorp reported Q1 2026 net income of $3.1 million ($0.38 diluted EPS), up from $2.6 million ($0.31) in Q4 2025, driven by higher net interest income and margin expansion. Net interest margin rose 17 bps to 2.49% on increased loan yields and lower funding costs.
Key Financial Metrics
Key Facts
- Q1 2026 diluted EPS of $0.38 vs $0.31 in prior quarter (+22.6%)
- Net interest margin expanded 17 bps to 2.49% sequentially
- Net interest income increased 7.5% to $9.8 million
- Efficiency ratio improved to 56.54% from 60.80%
- Loans grew $19.8 million (1.4%) to $1.40 billion
Financial Impact
Net income increased 20.2% sequentially to $3.1 million, with EPS growing 22.6%
Risk Factors
- Net interest margin expansion may be pressured by future rate cuts
- Commercial real estate loan concentration risk (335.4M or 24.1% of total loans)
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001437749-26-013178 |
| Document: ecbk20260115_8k.htm | 0001437749-26-013178 |
| Document: 0001437749-26-013178-index-headers.html | 0001437749-26-013178 |
| Document: 0001437749-26-013178-index.html | 0001437749-26-013178 |
| Document: 0001437749-26-013178.txt | 0001437749-26-013178 |
| 8-K Data (Synthetic) | 0001437749-26-013178 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 4d ago | 8-K | $21.33 $21.66 | ▲ +1.55% | ▲ +2.07% | $21.17 (−0.75%) |
Sep 23, 2026 4w ago | 3 | $20.05 $20.70 | ▲ +3.24% | ▲ +3.32% | $21.17 (+5.59%) |
Sep 22, 2026 4w ago | 8-K | $20.05 $20.70 | ▲ +3.24% | ▲ +3.32% | $21.17 (+5.59%) |
Jul 23, 2026 13w ago | 8-K | $20.23 $19.91 | ▼ −1.58% | ▼ −1.68% | $21.17 (+4.65%) |
Apr 23, 2026 26w ago | 8-K | $18.27 $18.12 | ▼ −0.82% | ▼ −0.98% | $21.17 (+15.87%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers