ECB Bancorp, Inc. (ECBK)

ECB Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	69.09	57.85	48.33	26.95	21.32
Interest Income on Investments	9.1	9.19	6.45	2.2	1.06
Total Interest Income	78.18	67.05	54.78	29.16	22.38
Interest Paid on Deposits	37.06	33.44	21.41	4.57	3.55
Interest Paid on Borrowings	9.2	8.62	8.57	0.95	0.14
Total Interest Expense	46.26	42.06	29.99	5.52	3.68
Net Interest Income	31.92	24.99	24.79	23.64	18.69
Net Interest Income Growth (YoY)	27.73%	0.80%	4.86%	26.47%	17.94%
Other Non-Interest Income	1.19	1.11	1.03	1.32	0.78
Total Non-Interest Income	1.33	1.23	1.05	1.4	1.22
Non-Interest Income Growth (YoY)	8.16%	16.54%	-24.91%	14.65%	-4.68%
Revenues Before Loan Losses	33.24	26.21	25.84	25.04	19.92
Provision for Loan Losses	1.53	0.17	0.8	2.94	0.36
Revenue	31.71	26.04	25.04	22.1	19.56
Revenue Growth (YoY)	21.77%	4.00%	13.28%	13.02%	16.13%
Salaries and Employee Benefits	13.19	11.19	10.94	9.37	9.6
Occupancy Expenses	1.1	0.83	0.77	0.7	0.72
Federal Deposit Insurance	0.88	0.75	0.79	0.23	0.16
Selling, General & Administrative	4.54	6.35	5.11	3.75	2.5
Other Non-Interest Expense	1.62	1.54	1.44	1.31	1.06
Total Non-Interest Expense	21.33	20.67	19.05	18.61	14.09
EBT Excluding Unusual Items	10.38	5.37	5.99	3.5	5.47
Pretax Income	10.38	5.37	5.99	3.5	5.47
Income Tax Expense	2.61	1.38	1.53	0.78	1.43
Net Income	7.77	3.99	4.46	2.72	4.04
Net Income to Common	7.77	3.99	4.46	2.72	4.04
Net Income Growth	94.74%	-10.44%	63.82%	-32.71%	-16.83%
Basic Shares Outstanding	8	8	8	8	-
Diluted Shares Outstanding	8	8	9	8	-
Shares Change (YoY)	-0.40%	-2.09%	0.80%	-	-
EPS (Basic)	0.96	0.48	0.53	0.32	-
EPS (Diluted)	0.94	0.48	0.52	0.32	-
EPS Growth	95.83%	-7.69%	62.50%	-	-
Effective Tax Rate	25.12%	25.69%	25.55%	22.20%	26.12%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q