ECB Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Interest Income on Loans	76.4	69.09	57.85	48.33	26.95	21.32
Interest Income on Investments	8.8	9.1	9.19	6.45	2.2	1.06
Total Interest Income	85.21	78.18	67.05	54.78	29.16	22.38
Interest Paid on Deposits	37.74	37.06	33.44	21.41	4.57	3.55
Interest Paid on Borrowings	10	9.2	8.62	8.57	0.95	0.14
Total Interest Expense	47.73	46.26	42.06	29.99	5.52	3.68
Net Interest Income	37.48	31.92	24.99	24.79	23.64	18.69
Net Interest Income Growth	36.86%	27.73%	0.80%	4.86%	26.47%	17.94%
Other Non-Interest Income	1.2	1.19	1.11	1.03	1.32	0.78
Total Non-Interest Income	1.33	1.33	1.23	1.05	1.4	1.22
Non-Interest Income Growth	5.88%	8.16%	16.54%	-24.91%	14.65%	-4.68%
Revenues Before Loan Losses	38.81	33.24	26.21	25.84	25.04	19.92
Provision for Loan Losses	0.64	1.53	0.17	0.8	2.94	0.36
Revenue	38.17	31.71	26.04	25.04	22.1	19.56
Revenue Growth	37.33%	21.77%	4.00%	13.28%	13.02%	16.13%
Salaries and Employee Benefits	12.07	11.38	11.26	10.94	9.37	9.6
Occupancy Expenses	0.96	0.9	0.83	0.77	0.7	0.72
Federal Deposit Insurance	0.98	0.88	0.75	0.79	0.23	0.16
Selling, General & Administrative	7.04	6.56	6.28	5.11	3.75	2.5
Other Non-Interest Expense	1.65	1.62	1.54	1.44	1.31	1.06
Total Non-Interest Expense	22.7	21.33	20.67	19.05	18.61	14.09
EBT Excluding Unusual Items	15.47	10.38	5.37	5.99	3.5	5.47
Pretax Income	15.47	10.38	5.37	5.99	3.5	5.47
Income Tax Expense	4.05	2.61	1.38	1.53	0.78	1.43
Net Income	11.42	7.77	3.99	4.46	2.72	4.04
Net Income to Common	11.42	7.77	3.99	4.46	2.72	4.04
Net Income Growth	114.79%	94.74%	-10.44%	63.82%	-32.71%	-16.83%
Basic Shares Outstanding	8	8	8	8	8	-
Diluted Shares Outstanding	8	8	8	9	8	-
Shares Change	-0.60%	-0.40%	-2.09%	0.80%	-	-
EPS (Basic)	1.42	0.96	0.48	0.53	0.32	-
EPS (Diluted)	1.38	0.94	0.48	0.52	0.32	-
EPS Growth	115.87%	95.83%	-7.69%	62.50%	-	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Effective Tax Rate	26.20%	25.12%	25.69%	25.55%	22.20%	26.12%

SEC Filings: 10-K · 10-Q