The bank maintains a conservative capital structure with an equity-to-assets ratio of 0.11, supported by a substantial $1.6 billion investment securities portfolio.
| Cash & Short Term Investments | 340.7M | 103.8M | 172.28M | 124.04M | 67.35M | 57.98M | 48.45M |
| Cash & Due from Banks | 3.04M | 94.92M | 157.72M | 119.04M | 62.35M | 52.98M | 43.41M |
| Short Term Investments | 0 | 8.88M | 14.57M | 5M | 5M | 5.01M | 5.04M |
| Total Investments | 1.61B | 1.46B | 1.22B | 1.12B | 968.27M | 589.01M | 525.61M |
| Investments Growth % | 80.39% | 20.23% | 8.42% | 15.85% | 64.39% | 12.06% | - |
| Long-Term Investments | 5.81B | 1.45B | 1.2B | 1.12B | 963.26M | 584M | 520.57M |
| Accounts Receivables | 5.33M | 5.21M | 4.01M | 3.77M | 2.63M | 1.48M | 1.82M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 3.36M | 3.43M | 3.51M | 3.75M | 3.7M | 3.78M | 3.98M |
| Other Assets | 22.45M | 34.17M | 31.77M | 27.24M | 23.17M | 15.96M | 10.88M |
| Total Current Assets | 8.37M | 109.02M | 176.3M | 127.81M | 69.98M | 59.47M | 50.27M |
| Total Non-Current Assets | 1.64B | 1.5B | 1.24B | 1.15B | 994.48M | 607.02M | 537.36M |
| Total Assets | 1.65B | 1.61B | 1.42B | 1.28B | 1.06B | 666.49M | 587.63M |
| Asset Growth % | 54.61% | 13.22% | 10.76% | 20.28% | 59.71% | 13.42% | - |
| Return on Assets (ROA) | 0.61% | 0.51% | 0.3% | 0.38% | 0.31% | 0.64% | 0.83% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 260.81M | 284.81M | 234M | 234M | 174M | 9M | 18M |
| Net Debt | 257.77M | 189.9M | 76.28M | 114.96M | 111.65M | -43.98M | -25.41M |
| Long-Term Debt | 260.81M | 284.81M | 234M | 234M | 174M | 9M | 18M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 1.21B | 16.56M | 17.35M | 13.22M | 9.58M | 8.46M | 5.19M |
| Total Current Liabilities | 0 | 1.13B | 998.53M | 868.21M | 718.15M | 571.75M | 491.4M |
| Total Non-Current Liabilities | 1.47B | 301.38M | 251.35M | 247.22M | 183.58M | 17.46M | 23.19M |
| Total Liabilities | 1.47B | 1.43B | 1.25B | 1.12B | 901.73M | 589.22M | 514.59M |
| Total Equity | 175.93M | 171.93M | 168.27M | 164.9M | 162.73M | 77.27M | 73.03M |
| Equity Growth % | 9.59% | 2.18% | 2.04% | 1.33% | 110.59% | 5.8% | - |
| Equity / Assets (Capital Ratio) | 10.66% | 10.71% | 11.87% | 12.88% | 15.29% | 11.59% | 12.43% |
| Return on Equity (ROE) | 5.6% | 4.57% | 2.4% | 2.72% | 2.27% | 5.38% | 6.65% |
| Book Value per Share | 21.20 | 20.69 | 20.16 | 19.35 | 19.24 | 6.32 | 5.97 |
| Tangible BV per Share | 21.20 | 20.69 | 20.16 | 19.35 | 19.24 | 6.32 | 5.97 |
| Common Stock | 88K | 88K | 91K | 93K | 92K | 0 | 0 |
| Additional Paid-in Capital | 83.03M | 83M | 86.19M | 87.43M | 89.29M | 0 | 0 |
| Retained Earnings | 98.74M | 95.62M | 87.84M | 83.85M | 80.08M | 77.36M | 73.31M |
| Accumulated OCI | -144K | -896K | 382K | 129K | 249K | -83K | -280K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Commercial real estate concentration
As reported in financial statements, ECBK's total assets grew to $1.7 billion in 2026Q1, driven primarily by a strategic shift in the investment securities portfolio which reached $1.6 billion, suggesting a deliberate effort to deploy excess liquidity into interest-earning assets following the bank's recent conversion.
The growth trajectory appears to be heavily weighted toward investment securities rather than organic loan book expansion, which may indicate a cautious approach to credit risk in the current environment. Investors should monitor whether this asset mix shift provides sufficient yield to improve the bank's currently compressed net interest margin.
Based on the provided balance sheet data, ECBK maintains an equity-to-assets ratio of 0.11 as of 2026Q1, which, when viewed alongside the $94.9 million cash position reported in 2025Q4, suggests a significant capital buffer that provides management with substantial flexibility for future strategic initiatives.
The bank's capital position appears robust relative to its size, though the persistent low ROE suggests that this capital is currently underutilized. This excess capacity warrants further investigation into whether management intends to pursue more aggressive loan growth or further share repurchases to enhance shareholder returns.
According to recent quarterly filings, ECBK's liquidity profile is characterized by a substantial investment securities portfolio of $1.6 billion, which, while providing a stable foundation, highlights a potential reliance on market-based assets rather than core deposit-funded loan growth to drive the bank's balance sheet activity.
The high concentration of assets in securities suggests that the bank is currently operating with a conservative liquidity posture that prioritizes capital preservation over aggressive lending. This strategy may protect the bank during economic volatility but likely contributes to the observed stagnation in net interest margin performance.
Based on the bank's reported figures, the heavy concentration of $1.6 billion in investment securities relative to total assets of $1.7 billion suggests that ECBK may be exposed to significant duration risk, which could impact tangible book value if interest rates remain elevated for an extended period.
While the bank's balance sheet appears healthy on the surface, the lack of diversification away from fixed-income securities may create a hidden sensitivity to interest rate movements. Investors should monitor the duration of this portfolio, as any significant repricing could pressure the bank's capital position more than its current loan-to-deposit profile would imply.
Quick answers to the most common questions about buying ECBK stock.
As of 2025, ECB Bancorp, Inc. (ECBK) had total assets of $1.61B including $109.0M in current assets.
ECB Bancorp, Inc. (ECBK) carries total debt of $284.8M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
ECB Bancorp, Inc. (ECBK) has total shareholders' equity (book value) of $171.9M ($20.69 book value per share). Book value represents the net worth of the company belonging to common stock holders.
ECB Bancorp, Inc. (ECBK) reported a current ratio of 0.10x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.