ECBK - NASDAQ
ECB Bancorp, Inc.
$17.97
-0.83%ECB Bancorp, Inc. focuses on operating as a holding company for Everett Co-operative Bank that provides various banking products and services. The company accepts various deposit products, including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It also offers one- to four-family residential real estate, commercial real estate and multifamily real estate, construction and land, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company invests in securities, consisting primarily of U.S. government and federal agency obligations, mortgage-backed securities, and corporate bonds. It operates through two full-service banking offices located in Everett, Massachusetts and Lynnfield, Massachusetts. The company was founded in 1890 and is based in Everett, Massachusetts.
At a Glance
Live SnapshotECB Bancorp, Inc. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Financial Health Insight
Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.
ECB Bancorp, Inc. Balance Sheet
ECBK • NASDAQ
| ECB Bancorp, Inc. Balance Sheet | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
ASSETS | ||||||
CURRENT ASSETS | ||||||
94.9M | 157.7M | 119M | 62.4M | 53M | 43.4M | |
8.9M | 14.6M | 5M | 5M | 5M | 5M | |
103.8M | 172.3M | 124M | 67.4M | 58M | 48.4M | |
5.2M | 4M | 3.8M | 2.6M | 1.5M | 1.8M | |
5.2M | 4M | 3.8M | 2.6M | 1.5M | 1.8M | |
109M | 176.3M | 127.8M | 70M | 59.5M | 50.3M | |
NON-CURRENT ASSETS | ||||||
3.4M | 3.5M | 3.8M | 3.7M | 3.8M | 4M | |
1.5B | 1.2B | 1.1B | 963.3M | 584M | 520.6M | |
5.7M | 4.9M | 4.8M | 4.3M | 3.3M | 1.9M | |
34.2M | 31.8M | 27.2M | 23.2M | 16M | 10.9M | |
1.5B | 1.2B | 1.2B | 994.5M | 607M | 537.4M | |
1.6B | 1.4B | 1.3B | 1.1B | 666.5M | 587.6M | |
LIABILITIES | ||||||
CURRENT LIABILITIES | ||||||
1.1B | 998.5M | 868.2M | 718.1M | 571.8M | 491.4M | |
1.1B | 998.5M | 868.2M | 718.1M | 571.8M | 491.4M | |
NON-CURRENT LIABILITIES | ||||||
284.8M | 234M | 234M | 174M | 9M | 18M | |
16.6M | 17.4M | 13.2M | 9.6M | 8.5M | 5.2M | |
301.4M | 251.4M | 247.2M | 183.6M | 17.5M | 23.2M | |
1.4B | 1.2B | 1.1B | 901.7M | 589.2M | 514.6M | |
SHAREHOLDERS' EQUITY | ||||||
88K | 91K | 93K | 92K | 0.0 | 0.0 | |
83M | 86.2M | 87.4M | 89.3M | 0.0 | 0.0 | |
95.6M | 87.8M | 83.9M | 80.1M | 77.4M | 73.3M | |
-896K | 382K | 129K | 249K | -83K | -280K | |
-5.9M | -6.2M | -6.6M | -7M | 0.0 | 0.0 | |
171.9M | 168.3M | 164.9M | 162.7M | 77.3M | 73M | |
171.9M | 168.3M | 164.9M | 162.7M | 77.3M | 73M | |
SUMMARY | ||||||
1.6B | 1.4B | 1.3B | 1.1B | 666.5M | 587.6M | |
1.5B | 1.2B | 1.1B | 968.3M | 589M | 525.6M | |
284.8M | 234M | 234M | 174M | 9M | 18M | |
189.9M | 76.3M | 115M | 111.7M | -44M | -25.4M | |
8,851,046 | 8,851,046 | 8,851,046 | 8,851,046 | 8,851,046 | 8,851,046 |
SEC Filings
ECBK - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 21, 2026 | May 20, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 10, 2026 | May 20, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 25, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 05, 2026 | February 05, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 09, 2026 | January 09, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 22, 2025 | December 17, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 22, 2025 | October 22, 2025 | 2025 |
Related Guides
Continue your ECBK research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.