<span item_type="fundamental" item_id="adf4e2f5936021474f35e138f0fd5f14" counter_id="ST/US/ECBK" env="prod"></span><span item_type="announcement" item_id="541724704854184961" env="prod"></span><p>EPS: As of FY2025 Q2, the actual value is USD 0.17.</p><p>EBIT: As of FY2025 Q2, the actual value is USD 1.915 M.</p><p></p><h3>Net Income</h3><p>ECB Bancorp, Inc. reported a net income of $1.4 million, or $0.17 per diluted share, for the quarter ended June 30, 2025, compared to $791,000, or $0.09 per diluted share, for the same period in 2024, marking an increase of $649,000 or 82.0%. For the six months ended June 30, 2025, net income was $2.7 million, or $0.33 per diluted share, compared to $1.4 million, or $0.17 per diluted share, for the same period in 2024, an increase of $1.3 million or 93.8%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1914605/000143774925023350/ex_821266.htm"></span></p><h3>Net Interest and Dividend Income</h3><p>Net interest and dividend income before provision for credit losses was $7.7 million for the quarter ended June 30, 2025, up from $6.0 million for the same period in 2024, an increase of $1.6 million or 27.4%. For the six months ended June 30, 2025, this income was $14.3 million, compared to $11.9 million for the same period in 2024, an increase of $2.4 million or 20.1%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1914605/000143774925023350/ex_821266.htm"></span></p><h3>Noninterest Income</h3><p>Noninterest income was $355,000 for the quarter ended June 30, 2025, compared to $289,000 for the same period in 2024, an increase of $66,000 or 22.8%. For the six months ended June 30, 2025, noninterest income was $626,000, compared to $594,000 for the same period in 2024, an increase of $32,000 or 5.4%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1914605/000143774925023350/ex_821266.htm"></span></p><h3>Noninterest Expense</h3><p>Noninterest expense was $5.0 million for the quarter ended June 30, 2025, compared to $4.9 million for the same period in 2024, an increase of $33,000 or 0.7%. For the six months ended June 30, 2025, noninterest expense remained at $10.2 million, the same as for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1914605/000143774925023350/ex_821266.htm"></span></p><h3>Cash Flow</h3><p>Cash and cash equivalents decreased by $59.0 million, or 37.4%, to $98.7 million at June 30, 2025, from $157.6 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1914605/000143774925023350/ex_821266.htm"></span></p><h3>Unique Metrics</h3><p>The efficiency ratio improved to 62.1% in the second quarter of 2025 from 78.5% in the second quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1914605/000143774925023350/ex_821266.htm"></span></p><h3>Outlook / Guidance</h3><p>ECB Bancorp, Inc. anticipates benefiting from a more stable interest rate environment as compared to previous years. The company continues to focus on strategic growth and improving net interest margins while maintaining strong credit quality. Expense management remains a priority, and the company has initiated a second stock repurchase plan to enhance shareholder value.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1914605/000143774925023350/ex_821266.htm"></span></p>

ECB Bancorp/MD | 8-K: FY2025 Q2 EPS: USD 0.17