ECB Bancorp, Inc.
ECB Bancorp, Inc. (Nasdaq: ECBK) is a bank holding company that serves as the registered parent of Everett Co-operative Bank, a Massachusetts-chartered stock cooperative bank headquartered in Everett, Massachusetts. The company's website is www.everettbank.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What ECB Bancorp, Inc. does
In the company’s own words
ECB Bancorp, Inc. (Nasdaq: ECBK) is a bank holding company that serves as the registered parent of Everett Co-operative Bank, a Massachusetts-chartered stock cooperative bank headquartered in Everett, Massachusetts. The company's website is www.everettbank.com.
Everett Co-operative Bank, founded in 1890, operates three full-service banking offices located in Everett, Lynnfield, and Woburn, Massachusetts, all situated in the greater Boston metropolitan area within Middlesex and Essex Counties. The bank considers Middlesex, Essex, and Suffolk Counties as its primary deposit market area, with lending activities extending into Norfolk County as well.
The bank's core business consists of accepting deposits from the general public and deploying those funds primarily into real estate lending. As of December 31, 2025, the loan portfolio totaled approximately $1.38 billion and was diversified across multiple property types. One-to-four family residential real estate loans comprised 34.2 percent of the portfolio, multifamily real estate loans represented 30.8 percent, commercial real estate loans accounted for 24.3 percent, construction loans made up 6.4 percent, and home equity lines of credit and loans comprised 3.6 percent. Commercial business loans and consumer loans together represented less than one percent of the portfolio.
The bank offers a comprehensive suite of deposit products including certificate of deposit accounts, Individual Retirement Accounts, money market accounts, savings accounts, and both interest-bearing and noninterest-bearing checking accounts. Funding sources include retail deposits, Federal Home Loan Bank advances totaling $284.8 million at year-end 2025, and brokered deposits of $134.0 million.
ECB Bancorp completed its mutual-to-stock conversion and initial public offering in July 2022, raising approximately $89.2 million in gross offering proceeds. The company established the Everett Co-operative Bank Charitable Foundation with $600,000 in cash and 260,000 shares of common stock to support charitable organizations within its community.
The bank competes against larger regional banks and local community banks by emphasizing personalized service, responsive decision-making, and customized products. The bank is regulated by the Massachusetts Commissioner of the Division of Banks and the Federal Deposit Insurance Corporation.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- EVERETT, MA
- Fiscal year end
- December
- CIK
- 1914605
- SIC
- 6036
Financial performance, year by year
Fiscal 2022–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns ECB Bancorp, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · ECB Bancorp, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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