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
Net Interest Income	31.92	24.99	24.79	23.64	18.69
Net Interest Income Growth	27.73%	0.80%	4.86%	26.47%	17.94%
Non-Interest Income	1.33	1.23	1.05	1.4	1.22
Non-Interest Income Growth	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 Credit 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%
Compensation Expenses	13.99	13.9	12.26	10.36	10.03
Selling, General & Admin	4.85	4.48	4.56	3.46	2.79
Other Non-Interest Expenses	2.5	2.29	2.24	4.79	1.27
Total Non-Interest Expense	21.33	20.67	19.05	18.61	14.09
Pretax Income	10.38	5.37	5.99	3.5	5.47
Provision for Income Taxes	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%
Shares Outstanding (Basic)	8	8	8	8	8
Shares Outstanding (Diluted)	8	8	9	8	8
Shares Change (YoY)	-0.40%	-2.09%	0.80%	12.67%	-
EPS (Basic)	0.96	0.48	0.53	0.32	0.45
EPS (Diluted)	0.94	0.48	0.52	0.32	0.45
EPS Growth	95.83%	-7.69%	62.50%	-28.89%	-
Free Cash Flow	1.53	6.24	6.1	7.55	6.35
Free Cash Flow Growth	-75.41%	2.26%	-19.26%	19.05%	27.74%
Free Cash Flow Per Share	0.18	0.75	0.72	0.89	0.85
Profit Margin	24.51%	15.33%	17.80%	12.31%	20.67%
FCF Margin	4.84%	23.95%	24.36%	34.18%	32.45%
EBITDA	0	0.3	0.28	0.3	0.3
EBITDA Margin	0.00%	1.16%	1.11%	1.37%	1.53%
Effective Tax Rate	25.12%	25.69%	25.55%	22.20%	26.12%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q