ECB Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	102.62	157.62	119.04	62.05	52.98	43.41
Investment Securities	97.5	30.05	32.54	31.03	25.76	25.84
Trading Asset Securities	-	0.56	-	-	-	-
Mortgage-Backed Securities	-	49.83	49.45	51.86	44.82	32.17
Total Investments	97.5	80.44	81.98	82.89	70.58	58.01
Gross Loans	1,316	1,146	1,049	893.13	521.8	471.29
Allowance for Loan Losses	-10.02	-8.88	-8.59	-7.2	-4.24	-3.88
Other Adjustments to Gross Loans	-	-0.5	-0.23	-0.26	-0.43	-0.26
Net Loans	1,306	1,136	1,040	885.67	517.13	467.16
Property, Plant & Equipment	3.43	4.66	5.05	3.98	3.78	3.98
Loans Held for Sale	-	-	-	-	1.3	0.44
Accrued Interest Receivable	5.25	4.01	3.77	2.63	1.48	1.82
Long-Term Deferred Tax Assets	5.61	4.91	4.77	4.34	2.97	1.93
Other Long-Term Assets	21.59	20.06	16.05	15.6	15.18	9.46
Total Assets	1,553	1,418	1,280	1,064	666.49	587.63
Interest Bearing Deposits	1,024	409.78	369.97	302.75	316.24	303.17
Institutional Deposits	-	503.8	419.9	330.5	172.2	128.8
Non-Interest Bearing Deposits	84.76	84.96	78.34	84.9	83.31	59.43
Total Deposits	1,109	998.53	868.21	718.15	571.75	491.4
Short-Term Borrowings	-	0.17	-	-	-	-
Current Portion of Long-Term Debt	-	25	30	55	-	13
Current Portion of Leases	-	0.19	-	-	-	-
Federal Home Loan Bank Debt, Long-Term	259.82	209	204	119	9	5
Long-Term Leases	-	1.01	1.34	0.28	-	-
Pension & Post-Retirement Benefits	-	1.86	1.88	1.85	2.23	2.36
Other Long-Term Liabilities	14.92	14.12	10.01	7.45	6.23	2.83
Total Liabilities	1,383	1,250	1,115	901.73	589.22	514.59
Common Stock	0.09	0.09	0.09	0.09	-	-
Additional Paid-In Capital	83.16	86.19	87.43	89.29	-	-
Retained Earnings	93.02	87.85	83.85	80.08	77.36	73.31
Comprehensive Income & Other	-6.96	-5.86	-6.48	-6.72	-0.08	-0.28
Shareholders' Equity	169.31	168.27	164.9	162.73	77.27	73.03
Total Liabilities & Equity	1,553	1,418	1,280	1,064	666.49	587.63
Total Debt	259.82	235.37	235.34	174.28	9	18
Net Cash (Debt)	-149.2	-77.1	-116.3	-111.93	43.98	25.41
Net Cash Growth	-	-	-	-	73.06%	-
Net Cash Per Share	-17.92	-9.24	-13.64	-13.24	-	-
Filing Date Shares Outstanding	8.83	9.06	9.24	9.18	-	-
Total Common Shares Outstanding	8.83	9.1	9.29	9.18	-	-
Book Value Per Share	19.18	18.50	17.75	17.74	-	-
Tangible Book Value	169.31	168.27	164.9	162.73	77.27	73.03
Tangible Book Value Per Share	19.18	18.50	17.75	17.74	-	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q