ECB Bancorp (ECBK) investor relations material

Executive summary

• Net income for Q2 2026 was $3.3 million, up 126.5% year-over-year and 4.5% sequentially from Q1 2026; six-month net income was $6.4 million, up 133.2% year-over-year.

• Diluted EPS was $0.39 for Q2 2026 and $0.77 for the six months, up from $0.17 in Q2 2025.

• Total assets grew 4.1% to $1.67 billion from December 2025, up 1.3% sequentially and 10.3% year-over-year.

• Shareholders' equity increased 4.6% to $179.9 million, with book value per share rising to $20.56, up 2.5% sequentially and 9.3% year-over-year.

• Strong asset quality and disciplined community banking approach supported results.

Financial highlights

• Net interest and dividend income rose 31.0% year-over-year to $10.0 million for Q2 and 38.9% to $19.9 million for the six months.

• Net interest margin was 2.45% in Q2 2026, down from 2.49% in Q1 2026 but up from 2.08% in Q2 2025.

• Provision for credit losses dropped to $61,000 in Q2 2026 from $1.1 million in Q2 2025.

• Efficiency ratio improved to 56.21% from 62.13% a year ago.

• Noninterest income decreased 14.4% year-over-year in Q2, while noninterest expense increased 16.7%.

Outlook and guidance

• Management anticipates sufficient liquidity to meet funding commitments and expects to retain a significant portion of maturing time deposits.

• Focus remains on supporting customers, expanding into new markets, and growing loans and deposits.

• The bank remains well-capitalized and exceeds all regulatory capital requirements.

• Management highlights continued momentum and disciplined growth strategy.