$ECBK
ECB Bancorp, Inc. /MD/

2024 Q3 Form 10-Q Financial Statement

#000095017024094509 Filed on August 09, 2024

View on sec.gov

Income Statement

Concept 2024 Q3 2024 Q2
Revenue $17.16M $16.39M
YoY Change 21.1% 20.04%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $76.00K $76.00K
YoY Change 8.57% 8.57%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $10.86M $10.37M
YoY Change 34.46% 43.04%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $1.538M $1.063M
YoY Change -13.64% -44.87%
Income Tax $405.0K $272.0K
% Of Pretax Income 26.33% 25.59%
Net Earnings $1.133M $791.0K
YoY Change -15.51% -44.49%
Net Earnings / Revenue 6.6% 4.83%
Basic Earnings Per Share $0.14 $0.10
Diluted Earnings Per Share $0.14 $0.09
COMMON SHARES
Basic Shares Outstanding 9.188M 9.217M
Diluted Shares Outstanding 8.344M 8.343M

Balance Sheet

Concept 2024 Q3 2024 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $119.6M $111.4M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $3.587M $3.663M
YoY Change -3.81% 0.16%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $5.592M $4.604M
YoY Change 18.98% -2.04%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $1.358B $1.336B
YoY Change 11.88% 11.56%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities
YoY Change
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00
YoY Change
Other Long-Term Liabilities $13.58M $12.70M
YoY Change 16.07% 6.7%
Total Long-Term Liabilities $13.58M $12.70M
YoY Change 16.07% 6.7%
TOTAL LIABILITIES
Total Short-Term Liabilities
Total Long-Term Liabilities $13.58M $12.70M
Total Liabilities $1.192B $1.169B
YoY Change 13.7% 13.23%
SHAREHOLDERS EQUITY
Retained Earnings $86.40M $85.27M
YoY Change 4.01% 4.33%
Common Stock $92.00K $92.00K
YoY Change 0.0% 0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $166.0M $166.5M
YoY Change
Total Liabilities & Shareholders Equity $1.358B $1.336B
YoY Change 11.88% 11.56%

Cashflow Statement

Concept 2024 Q3 2024 Q2
OPERATING ACTIVITIES
Net Income $1.133M $791.0K
YoY Change -15.51% -44.49%
Depreciation, Depletion And Amortization $76.00K $76.00K
YoY Change 8.57% 8.57%
Cash From Operating Activities $861.0K $1.386M
YoY Change 110.0% -30.0%
INVESTING ACTIVITIES
Capital Expenditures $0.00 $40.00K
YoY Change -100.0% -55.56%
Acquisitions
YoY Change
Other Investing Activities -$13.56M -$32.88M
YoY Change -697.27% 17.92%
Cash From Investing Activities -$13.56M -$32.92M
YoY Change -736.53% 17.68%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 20.88M 30.60M
YoY Change 39.51% -20.55%
NET CHANGE
Cash From Operating Activities 861.0K 1.386M
Cash From Investing Activities -13.56M -32.92M
Cash From Financing Activities 20.88M 30.60M
Net Change In Cash 8.188M -926.0K
YoY Change -53.24% -107.39%
FREE CASH FLOW
Cash From Operating Activities $861.0K $1.386M
Capital Expenditures $0.00 $40.00K
Free Cash Flow $861.0K $1.346M
YoY Change 218.89% -28.78%

Facts In Submission

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us-gaap Net Income Loss
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us-gaap Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent
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us-gaap Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent
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us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax
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us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax
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us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
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us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
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CY2024Q2 us-gaap Comprehensive Income Net Of Tax
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CY2023Q2 us-gaap Comprehensive Income Net Of Tax
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us-gaap Comprehensive Income Net Of Tax
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us-gaap Comprehensive Income Net Of Tax
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CY2023Q2 us-gaap Amortization Of Esop Award
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CY2024Q1 us-gaap Stockholders Equity
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CY2024Q2 us-gaap Amortization Of Esop Award
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CY2024Q2 us-gaap Stock Repurchased During Period Value
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CY2024Q2 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
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CY2024Q2 us-gaap Stockholders Equity
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CY2022Q4 us-gaap Stockholders Equity
StockholdersEquity
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us-gaap Net Income Loss
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us-gaap Amortization Of Esop Award
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CY2023Q2 us-gaap Stockholders Equity
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CY2023Q4 us-gaap Stockholders Equity
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us-gaap Net Income Loss
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us-gaap Amortization Of Esop Award
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us-gaap Stock Repurchased During Period Value
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CY2024Q2 us-gaap Stockholders Equity
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us-gaap Profit Loss
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us-gaap Profit Loss
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ecbk Accretion Amortization Of Securities Net
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us-gaap Provision For Doubtful Accounts
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us-gaap Provision For Doubtful Accounts
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ecbk Change In Deferred Loan Costs And Fees
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us-gaap Proceeds From Sale Of Loans Held For Sale
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us-gaap Payments For Origination And Purchases Of Loans Held For Sale
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us-gaap Payments For Origination And Purchases Of Loans Held For Sale
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us-gaap Depreciation Amortization And Accretion Net
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ecbk Income From Bank Owned Life Insurance
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IncomeFromBankOwnedLifeInsurance
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DeferredIncomeTaxExpenseBenefit
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us-gaap Deferred Income Tax Expense Benefit
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us-gaap Share Based Compensation
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us-gaap Payments To Acquire Held To Maturity Securities
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us-gaap Payments To Acquire Held To Maturity Securities
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us-gaap Payments To Acquire Federal Home Loan Bank Stock
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us-gaap Payments To Acquire Loans Held For Investment
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ecbk Purchase Of Loans
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ecbk Purchase Of Loans
PurchaseOfLoans
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us-gaap Payments For Repurchase Of Common Stock
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us-gaap Debt Securities Held To Maturity Accrued Interest Writeoff
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CY2023Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
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2500000
CY2023Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
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CY2024Q2 us-gaap Debt Securities Available For Sale And Held To Maturity Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAndHeldToMaturityAllowanceForCreditLoss
0
CY2024Q2 us-gaap Notes Receivable Gross
NotesReceivableGross
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CY2024Q2 ecbk Loans And Leases Receivable Gross Carrying Amount Percentage
LoansAndLeasesReceivableGrossCarryingAmountPercentage
1
CY2023Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
1048606000
CY2023Q4 ecbk Loans And Leases Receivable Gross Carrying Amount Percentage
LoansAndLeasesReceivableGrossCarryingAmountPercentage
1
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FinancingReceivableDeferredIncome
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FinancingReceivableDeferredIncome
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NotesReceivableNet
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FinancingReceivableAllowanceForCreditLosses
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FinancingReceivableAllowanceForCreditLosses
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CY2023Q2 us-gaap Provision For Loan Losses Expensed
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CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses
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us-gaap Financing Receivable Allowance For Credit Losses Recovery
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us-gaap Provision For Loan Losses Expensed
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CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
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NotesReceivableGross
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CY2024Q2 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
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0
CY2024Q2 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
1197000
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CY2023Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
0
CY2023Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
1213000
CY2024Q2 us-gaap Financing Receivable Nonaccrual Interest Income
FinancingReceivableNonaccrualInterestIncome
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FinancingReceivableNonaccrualInterestIncome
14000
us-gaap Financing Receivable Nonaccrual Interest Income
FinancingReceivableNonaccrualInterestIncome
35000
us-gaap Financing Receivable Nonaccrual Interest Income
FinancingReceivableNonaccrualInterestIncome
14000
CY2024Q1 ecbk Number Of Internal Loan Rating Grades
NumberOfInternalLoanRatingGrades
7
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NumberOfInternalLoanRatingGrades
10
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AmountOfNonAccuralLoans
3000
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AmountOfNonAccuralLoans
0
CY2024Q2 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
0
CY2023Q2 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
0
ecbk Defined Contribution Plan Minimum Annual Contributions Per Employee Percent
DefinedContributionPlanMinimumAnnualContributionsPerEmployeePercent
0.01
us-gaap Defined Contribution Plan Maximum Annual Contributions Per Employee Percent
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us-gaap Defined Contribution Plan Employer Matching Contribution Percent Of Match
DefinedContributionPlanEmployerMatchingContributionPercentOfMatch
1
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DefinedContributionPlanEmployerMatchingContributionPercent
0.07
CY2024Q2 us-gaap Defined Contribution Plan Cost Recognized
DefinedContributionPlanCostRecognized
120000
us-gaap Defined Contribution Plan Cost Recognized
DefinedContributionPlanCostRecognized
243000
CY2023Q2 us-gaap Defined Contribution Plan Cost Recognized
DefinedContributionPlanCostRecognized
116000
us-gaap Defined Contribution Plan Cost Recognized
DefinedContributionPlanCostRecognized
231000
CY2024Q2 ecbk Incentive Plan Expense
IncentivePlanExpense
333000
ecbk Incentive Plan Expense
IncentivePlanExpense
687000
CY2023Q2 ecbk Incentive Plan Expense
IncentivePlanExpense
360000
ecbk Incentive Plan Expense
IncentivePlanExpense
714000
CY2022Q3 us-gaap Employee Stock Ownership Plan Esop Debt Structure Direct Loan Amount
EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount
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CY2022Q3 us-gaap Employee Stock Ownership Plan Esop Shares In Esop
EmployeeStockOwnershipPlanESOPSharesInESOP
734020
CY2022Q3 ecbk Employee Stock Ownership Plan Esop Debt Structure Duration Of Loan
EmployeeStockOwnershipPlanEsopDebtStructureDurationOfLoan
P20Y
CY2022Q3 ecbk Employee Stock Ownership Plan Esop Debt Structure Interest Rate
EmployeeStockOwnershipPlanEsopDebtStructureInterestRate
0.0475
CY2024Q2 us-gaap Employee Stock Ownership Plan Esop Compensation Expense
EmployeeStockOwnershipPlanESOPCompensationExpense
113000
us-gaap Employee Stock Ownership Plan Esop Compensation Expense
EmployeeStockOwnershipPlanESOPCompensationExpense
232000
CY2023Q2 us-gaap Employee Stock Ownership Plan Esop Compensation Expense
EmployeeStockOwnershipPlanESOPCompensationExpense
112000
us-gaap Employee Stock Ownership Plan Esop Compensation Expense
EmployeeStockOwnershipPlanESOPCompensationExpense
251000
CY2024Q2 us-gaap Employee Stock Ownership Plan Esop Number Of Allocated Shares
EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares
70438
CY2023Q4 us-gaap Employee Stock Ownership Plan Esop Number Of Allocated Shares
EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares
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CY2024Q2 us-gaap Employee Stock Ownership Plan Esop Number Of Committed To Be Released Shares
EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares
18250
CY2023Q4 us-gaap Employee Stock Ownership Plan Esop Number Of Committed To Be Released Shares
EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares
0
CY2024Q2 us-gaap Employee Stock Ownership Plan Esop Number Of Suspense Shares
EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares
642368
CY2023Q4 us-gaap Employee Stock Ownership Plan Esop Number Of Suspense Shares
EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares
660618
CY2024Q2 us-gaap Employee Stock Ownership Plan Esop Shares In Esop
EmployeeStockOwnershipPlanESOPSharesInESOP
731056
CY2023Q4 us-gaap Employee Stock Ownership Plan Esop Shares In Esop
EmployeeStockOwnershipPlanESOPSharesInESOP
732635
CY2024Q2 us-gaap Employee Stock Ownership Plan Esop Deferred Shares Fair Value
EmployeeStockOwnershipPlanESOPDeferredSharesFairValue
8017000
CY2023Q4 us-gaap Employee Stock Ownership Plan Esop Deferred Shares Fair Value
EmployeeStockOwnershipPlanESOPDeferredSharesFairValue
8297000
CY2024Q2 us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
325000
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
649000
CY2024Q2 us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense
71000
us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense
140000
CY2023Q2 us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
0
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
0
us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense
0
CY2023Q2 us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense
0
CY2024Q2 us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Stock Options
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions
5594000
CY2023Q4 us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Stock Options
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions
6243000
ecbk Letter Of Credit Outstanding Term
LetterOfCreditOutstandingTerm
P1Y
CY2024Q2 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
160794000
CY2023Q4 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
154507000
CY2024Q2 ecbk Allowance For Off Balance Sheet Loan Losses
AllowanceForOffBalanceSheetLoanLosses
757000
CY2023Q4 ecbk Allowance For Off Balance Sheet Loan Losses
AllowanceForOffBalanceSheetLoanLosses
756000
CY2024Q2 us-gaap Off Balance Sheet Credit Loss Liability Credit Loss Expense Reversal
OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal
-67000
us-gaap Off Balance Sheet Credit Loss Liability Credit Loss Expense Reversal
OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal
1000
CY2023Q2 us-gaap Off Balance Sheet Credit Loss Liability Credit Loss Expense Reversal
OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal
-213000
us-gaap Off Balance Sheet Credit Loss Liability Credit Loss Expense Reversal
OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal
-209000
CY2024Q2 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-26000
CY2023Q2 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
11000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
427000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-1000
CY2024Q2 us-gaap Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
0
CY2023Q4 us-gaap Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
3000
CY2024Q2 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
556000
CY2023Q4 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
129000
CY2024Q2 us-gaap Capital
Capital
151645000
CY2024Q2 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.1694
CY2024Q2 ecbk Capital Required For Capital Adequacy Plus Capital Conservation Buffer
CapitalRequiredForCapitalAdequacyPlusCapitalConservationBuffer
93981000
CY2024Q2 ecbk Capital Required For Capital Adequacy Plus Capital Conservation Buffer To Risk Weighted Assets
CapitalRequiredForCapitalAdequacyPlusCapitalConservationBufferToRiskWeightedAssets
0.105
CY2024Q2 us-gaap Capital Required To Be Well Capitalized
CapitalRequiredToBeWellCapitalized
89506000
CY2024Q2 us-gaap Capital Required To Be Well Capitalized To Risk Weighted Assets
CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.10
CY2024Q2 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
141863000
CY2024Q2 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.1585
CY2024Q2 ecbk Tier1 Risk Based Capital Required For Capital Adequacy Plus Capital Conservation Buffer
Tier1RiskBasedCapitalRequiredForCapitalAdequacyPlusCapitalConservationBuffer
76080000
CY2024Q2 ecbk Tier1 Risk Based Capital Required For Capital Adequacy Plus Capital Conservation Buffer To Risk Weighted Assets
Tier1RiskBasedCapitalRequiredForCapitalAdequacyPlusCapitalConservationBufferToRiskWeightedAssets
0.085
CY2024Q2 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized
TierOneRiskBasedCapitalRequiredToBeWellCapitalized
71605000
CY2024Q2 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.08
CY2024Q2 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
141863000
CY2024Q2 us-gaap Common Equity Tier One Capital Ratio
CommonEquityTierOneCapitalRatio
0.1585
CY2024Q2 ecbk Common Equity Tier1 Capital Required For Capital Adequacy Plus Capital Conservation Buffer
CommonEquityTier1CapitalRequiredForCapitalAdequacyPlusCapitalConservationBuffer
62654000
CY2024Q2 ecbk Banking Regulation Common Equity Tier1 Risk Based Capital Ratio Capital Adequacy Minimum Plus Capital Conservation Buffer
BankingRegulationCommonEquityTier1RiskBasedCapitalRatioCapitalAdequacyMinimumPlusCapitalConservationBuffer
0.07
CY2024Q2 us-gaap Common Equity Tier One Capital Required To Be Well Capitalized
CommonEquityTierOneCapitalRequiredToBeWellCapitalized
58179000
CY2024Q2 us-gaap Banking Regulation Common Equity Tier One Risk Based Capital Ratio Well Capitalized Minimum
BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum
0.065
CY2024Q2 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
141863000
CY2024Q2 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.1078
CY2024Q2 ecbk Tier1 Leverage Capital Required For Capital Adequacy Plus Capital Conservation Buffer
Tier1LeverageCapitalRequiredForCapitalAdequacyPlusCapitalConservationBuffer
52634000
CY2024Q2 ecbk Tier1 Leverage Capital Required For Capital Adequacy Plus Capital Conservation Buffer To Average Assets
Tier1LeverageCapitalRequiredForCapitalAdequacyPlusCapitalConservationBufferToAverageAssets
0.04
CY2024Q2 us-gaap Tier One Leverage Capital Required To Be Well Capitalized
TierOneLeverageCapitalRequiredToBeWellCapitalized
65792000
CY2024Q2 us-gaap Tier One Leverage Capital Required To Be Well Capitalized To Average Assets
TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets
0.05
CY2023Q4 us-gaap Capital
Capital
149014000
CY2023Q4 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.173
CY2023Q4 ecbk Capital Required For Capital Adequacy Plus Capital Conservation Buffer
CapitalRequiredForCapitalAdequacyPlusCapitalConservationBuffer
90440000
CY2023Q4 ecbk Capital Required For Capital Adequacy Plus Capital Conservation Buffer To Risk Weighted Assets
CapitalRequiredForCapitalAdequacyPlusCapitalConservationBufferToRiskWeightedAssets
0.105
CY2023Q4 us-gaap Capital Required To Be Well Capitalized
CapitalRequiredToBeWellCapitalized
86133000
CY2023Q4 us-gaap Capital Required To Be Well Capitalized To Risk Weighted Assets
CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.10
CY2023Q4 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
139667000
CY2023Q4 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.1622
CY2023Q4 ecbk Tier1 Risk Based Capital Required For Capital Adequacy Plus Capital Conservation Buffer
Tier1RiskBasedCapitalRequiredForCapitalAdequacyPlusCapitalConservationBuffer
73213000
CY2023Q4 ecbk Tier1 Risk Based Capital Required For Capital Adequacy Plus Capital Conservation Buffer To Risk Weighted Assets
Tier1RiskBasedCapitalRequiredForCapitalAdequacyPlusCapitalConservationBufferToRiskWeightedAssets
0.085
CY2023Q4 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized
TierOneRiskBasedCapitalRequiredToBeWellCapitalized
68907000
CY2023Q4 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.08
CY2023Q4 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
139667000
CY2023Q4 us-gaap Common Equity Tier One Capital Ratio
CommonEquityTierOneCapitalRatio
0.1622
CY2023Q4 ecbk Common Equity Tier1 Capital Required For Capital Adequacy Plus Capital Conservation Buffer
CommonEquityTier1CapitalRequiredForCapitalAdequacyPlusCapitalConservationBuffer
60293000
CY2023Q4 ecbk Banking Regulation Common Equity Tier1 Risk Based Capital Ratio Capital Adequacy Minimum Plus Capital Conservation Buffer
BankingRegulationCommonEquityTier1RiskBasedCapitalRatioCapitalAdequacyMinimumPlusCapitalConservationBuffer
0.07
CY2023Q4 us-gaap Common Equity Tier One Capital Required To Be Well Capitalized
CommonEquityTierOneCapitalRequiredToBeWellCapitalized
55987000
CY2023Q4 us-gaap Banking Regulation Common Equity Tier One Risk Based Capital Ratio Well Capitalized Minimum
BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum
0.065
CY2023Q4 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
139667000
CY2023Q4 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.1131
CY2023Q4 ecbk Tier1 Leverage Capital Required For Capital Adequacy Plus Capital Conservation Buffer
Tier1LeverageCapitalRequiredForCapitalAdequacyPlusCapitalConservationBuffer
49406000
CY2023Q4 ecbk Tier1 Leverage Capital Required For Capital Adequacy Plus Capital Conservation Buffer To Average Assets
Tier1LeverageCapitalRequiredForCapitalAdequacyPlusCapitalConservationBufferToAverageAssets
0.04
CY2023Q4 us-gaap Tier One Leverage Capital Required To Be Well Capitalized
TierOneLeverageCapitalRequiredToBeWellCapitalized
61758000
CY2023Q4 us-gaap Tier One Leverage Capital Required To Be Well Capitalized To Average Assets
TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets
0.05
CY2024Q2 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
791000
CY2023Q2 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
1425000
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
1412000
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
2326000
CY2024Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
8265579
CY2023Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
8490128
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
8282677
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
8485610
CY2024Q2 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
76937
CY2023Q2 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
0
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
76141
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
0
CY2024Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
8342516
CY2023Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
8490128
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
8358818
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
8485610
CY2024Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.1
CY2023Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.17
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.17
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.27
CY2024Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.09
CY2023Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.17
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.17
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.27
CY2024Q2 us-gaap Derivative Notional Amount
DerivativeNotionalAmount
60000000
CY2024Q2 us-gaap Derivative Fixed Interest Rate
DerivativeFixedInterestRate
0.038
CY2024Q2 us-gaap Derivative Variable Interest Rate
DerivativeVariableInterestRate
0.0535
us-gaap Derivative Term Of Contract
DerivativeTermOfContract
P4Y3M
CY2024Q2 us-gaap Interest Rate Cash Flow Hedge Gain Loss To Be Reclassified During Next12 Months Net
InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet
663000
us-gaap Maximum Length Of Time Hedged In Cash Flow Hedge1
MaximumLengthOfTimeHedgedInCashFlowHedge1
P4Y9M18D
CY2024Q2 us-gaap Derivative Collateral Obligation To Return Cash
DerivativeCollateralObligationToReturnCash
870000
us-gaap Derivative Cash Received On Hedge
DerivativeCashReceivedOnHedge
710000
CY2023Q4 us-gaap Derivative Notional Amount
DerivativeNotionalAmount
0
CY2023Q2 us-gaap Other Comprehensive Income Loss Derivative Excluded Component Increase Decrease After Adjustments Before Tax
OtherComprehensiveIncomeLossDerivativeExcludedComponentIncreaseDecreaseAfterAdjustmentsBeforeTax
0
us-gaap Other Comprehensive Income Loss Derivative Excluded Component Increase Decrease After Adjustments Before Tax
OtherComprehensiveIncomeLossDerivativeExcludedComponentIncreaseDecreaseAfterAdjustmentsBeforeTax
0

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FilingSummary.xml Edgar Link unprocessable