ECB Bancorp Inc. reported net income of USD 2.6 million, or USD 0.31 per diluted share, for the fourth quarter (Q4) ended December 31, 2025. For the full year (FY) 2025, net income was USD 7.8 million, or USD 0.94 per diluted share. Net interest and dividend income before provision for credit losses reached USD 9.2 million in Q4 2025, an increase of 34.9%. The net interest margin for Q4 2025 expanded by 38 basis points to 2.32%. Loans increased by 20.7% year over year to USD 1.38 billion as of December 31, 2025, while deposits grew by 13.4% to USD 1.13 billion. The efficiency ratio improved significantly to 64.2% for FY 2025 from 78.8% in the previous year. Total non-performing assets were USD 1.1 million, representing 0.07% of total assets as of December 31, 2025. ECB Bancorp Inc. also announced plans to expand its branch network with the upcoming opening of a new branch in Medford, Massachusetts.

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