ECB Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	86.92	157.62	119.04	62.05	52.98
Investment Securities	98.08	30.05	32.54	31.03	25.76
Trading Asset Securities	-	0.56	-	-	-
Mortgage-Backed Securities	-	49.83	49.45	51.86	44.82
Total Investments	98.08	80.44	81.98	82.89	70.58
Gross Loans	1,382	1,146	1,049	893.13	521.8
Allowance for Loan Losses	-10.26	-8.88	-8.59	-7.2	-4.24
Other Adjustments to Gross Loans	-	-0.5	-0.23	-0.26	-0.43
Net Loans	1,372	1,136	1,040	885.67	517.13
Property, Plant & Equipment	3.43	4.66	5.05	3.98	3.78
Loans Held for Sale	0.36	-	-	-	1.3
Accrued Interest Receivable	5.21	4.01	3.77	2.63	1.48
Long-Term Deferred Tax Assets	5.67	4.91	4.77	4.34	2.97
Other Long-Term Assets	22.31	20.06	16.05	15.6	15.18
Total Assets	1,606	1,418	1,280	1,064	666.49
Interest Bearing Deposits	1,051	409.78	369.97	302.75	316.24
Institutional Deposits	-	503.8	419.9	330.5	172.2
Non-Interest Bearing Deposits	81.5	84.96	78.34	84.9	83.31
Total Deposits	1,132	998.53	868.21	718.15	571.75
Short-Term Borrowings	-	0.17	-	-	-
Current Portion of Long-Term Debt	-	25	30	55	-
Current Portion of Leases	-	0.19	-	-	-
Federal Home Loan Bank Debt, Long-Term	284.82	209	204	119	9
Long-Term Leases	-	1.01	1.34	0.28	-
Pension & Post-Retirement Benefits	-	1.86	1.88	1.85	2.23
Other Long-Term Liabilities	16.56	14.12	10.01	7.45	6.23
Total Liabilities	1,434	1,250	1,115	901.73	589.22
Common Stock	0.09	0.09	0.09	0.09	-
Additional Paid-In Capital	83	86.19	87.43	89.29	-
Retained Earnings	95.62	87.85	83.85	80.08	77.36
Comprehensive Income & Other	-6.77	-5.86	-6.48	-6.72	-0.08
Shareholders' Equity	171.93	168.27	164.9	162.73	77.27
Total Liabilities & Equity	1,606	1,418	1,280	1,064	666.49
Total Debt	284.82	235.37	235.34	174.28	9
Net Cash (Debt)	-189.9	-77.1	-116.3	-111.93	43.98
Net Cash Growth	-	-	-	-	73.06%
Net Cash Per Share	-22.85	-9.24	-13.64	-13.24	-
Filing Date Shares Outstanding	8.79	9.06	9.24	9.18	-
Total Common Shares Outstanding	8.79	9.1	9.29	9.18	-
Book Value Per Share	19.55	18.50	17.75	17.74	-
Tangible Book Value	171.93	168.27	164.9	162.73	77.27
Tangible Book Value Per Share	19.55	18.50	17.75	17.74	-

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

SEC Filings: 10-K · 10-Q