ECB Bancorp, Inc. (ECBK)

ECB Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	65.54	57.85	48.33	26.95	21.32	19.97
Interest Income on Investments	9.41	9.19	6.45	2.2	1.06	1.51
Total Interest Income	74.95	67.05	54.78	29.16	22.38	21.49
Interest Paid on Deposits	36.49	33.44	21.41	4.57	3.55	5.26
Interest Paid on Borrowings	8.92	8.62	8.57	0.95	0.14	0.38
Total Interest Expense	45.4	42.06	29.99	5.52	3.68	5.64
Net Interest Income	29.55	24.99	24.79	23.64	18.69	15.85
Net Interest Income Growth (YoY)	22.38%	0.80%	4.86%	26.47%	17.94%	-
Other Non-Interest Income	1.16	1.11	1.03	1.32	0.78	0.87
Total Non-Interest Income	1.29	1.23	1.05	1.4	1.22	1.28
Non-Interest Income Growth (YoY)	11.65%	16.54%	-24.91%	14.65%	-4.68%	-
Revenues Before Loan Losses	30.84	26.21	25.84	25.04	19.92	17.13
Provision for Loan Losses	0.98	0.17	0.8	2.94	0.36	0.29
Revenue	29.86	26.04	25.04	22.1	19.56	16.84
Revenue Growth (YoY)	20.84%	4.00%	13.28%	13.02%	16.13%	-
Salaries and Employee Benefits	11.19	11.19	10.94	9.37	9.6	6.02
Occupancy Expenses	0.84	0.83	0.77	0.7	0.72	0.77
Federal Deposit Insurance	0.83	0.75	0.79	0.23	0.16	0.07
Selling, General & Administrative	6.55	6.35	5.11	3.75	2.5	2.29
Other Non-Interest Expense	1.62	1.54	1.44	1.31	1.06	1.17
Total Non-Interest Expense	21.03	20.67	19.05	18.61	14.09	10.31
EBT Excluding Unusual Items	8.83	5.37	5.99	3.5	5.47	6.53
Pretax Income	8.83	5.37	5.99	3.5	5.47	6.53
Income Tax Expense	2.21	1.38	1.53	0.78	1.43	1.67
Net Income	6.62	3.99	4.46	2.72	4.04	4.86
Net Income to Common	6.62	3.99	4.46	2.72	4.04	4.86
Net Income Growth	98.62%	-10.44%	63.82%	-32.71%	-16.83%	-
Basic Shares Outstanding	8	8	8	8	-	-
Diluted Shares Outstanding	8	8	9	8	-	-
Shares Change (YoY)	-1.16%	-2.09%	0.80%	-	-	-
EPS (Basic)	0.81	0.48	0.53	0.32	-	-
EPS (Diluted)	0.80	0.48	0.52	0.32	-	-
EPS Growth	104.95%	-7.69%	62.50%	-	-	-
Effective Tax Rate	25.01%	25.69%	25.55%	22.20%	26.12%	25.61%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q