Results of Operations and Financial Condition On July 23, 2026, ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, issued a press release announcing its financial results at and for the quarter ended June 30, 2026. A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference i…

Results of Operations and Financial Condition On April 23, 2026, ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, issued a press release announcing its financial results at and for the three months ended March 31, 2026. A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by refe…

Results of Operations and Financial Condition On February 5, 2026, ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, issued a press release announcing its financial results at and for the three months and year ended December 31, 2025. A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorp…

John Migliozzi: The severance multiplier in the Change in Control Agreement was increased from 2.0x to 2.5x.

Results of Operations and Financial Condition On October 22, 2025, ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, issued a press release announcing its financial results at and for the three and nine months ended September 30, 2025. A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incor…

Results of Operations and Financial Condition On July 24, 2025, ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, issued a press release announcing its financial results at and for the three and six months ended June 30, 2025. A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated b…

Other Events On May 8, 2025, the Company announced an additional stock repurchase plan that authorizes the Company to repurchase up to 451,092 shares, or approximately 5%, of its then outstanding common stock.

Results of Operations and Financial Condition On April 24, 2025, ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, issued a press release announcing its financial results at and for the three months ended March 31, 2025. A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by refe…

Other Events On April 11, 2025, ECB Bancorp, Inc. (the “Company”) announced the completion of its stock repurchase program. Under the plan, the Company repurchased 458,762 shares, or approximately 5.0%, of its then outstanding common stock. The shares were repurchased by the Company at an average price of $12.92 per share. SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned ther…

The filing describes a new deferred compensation plan for the CFO, which is a routine management action.

Results of Operations and Financial Condition On February 5, 2025, ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, issued a press release announcing its financial results at and for the three months and year ended December 31, 2024.

Results of Operations and Financial Condition On October 24, 2024, ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, issued a press release announcing its financial results at and for the three and nine months ended September 30, 2024.

Results of Operations and Financial Condition On July 25, 2024, ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, issued a press release announcing its financial results at and for the three and six months ended June 30, 2024.

Chief Financial Officer — Brandon N. Lavertu: Brandon N. Lavertu was promoted to Chief Financial Officer.

Results of Operations and Financial Condition On April 25, 2024, ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, issued a press release announcing its financial results at and for the three months ended March 31, 2024.

Change in Registrant’s Certifying Accountant . (b) As previously disclosed, on January 16, 2024, Baker Newman & Noyes LLC informed ECB Bancorp, Inc. (the “Company”) that it is declining to stand for re-appointment as the Company’s independent registered public accounting firm for the audit of the fiscal year ending December 31, 2024 as a result of its decision to exit its banking public company audit practice. On March 11, 2024, the Company engaged Wolf & Company, P.C. as the Company’s indepe…

Results of Operations and Financial Condition On February 15, 2024, ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, issued a press release announcing its financial results at and for the three months and year ended December 31, 2023. A copy of the press release is included as Exhibit 99.1 to this report and shall not be deemed “filed” for any purpose, nor shall the information or Exhibit 99.1 be deemed incorporated by reference in any filings under the Securities Act of…

Change in Registrant’s Certifying Accountant . (a) On January 16, 2024, Baker Newman & Noyes LLC (“BNN”) informed ECB Bancorp, Inc. (the “Company”) that BNN is declining to stand for re-appointment as the Company’s independent registered public accounting firm for the audit of the fiscal year ending December 31, 2024 as a result of its decision to exit its banking public company audit practice. There is no dispute between the Company and BNN, and BNN will continue to serve as the Company’s in…

Results of Operations and Financial Condition On October 26, 2023, ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, issued a press release announcing its financial results at and for the three and nine months ended September 30, 2023. A copy of the press release is included as Exhibit 99.1 to this report and shall not be deemed “filed” for any purpose, nor shall the information or Exhibit 99.1 be deemed incorporated by reference in any filings under the Securities Act of…

Other Events. On August 10, 2023, ECB Bancorp, Inc. (the “Company”), the holding company for Everett Co-operative Bank, issued a press release announcing that the Company’s Board of Directors has authorized a program to repurchase up to 458,762 shares of the Company’s outstanding common stock, which equals approximately 5.0% of shares currently outstanding. Shares may be repurchased in open market or private transactions or pursuant to any trading plan that may be adopted in accordance with R…

Results of Operations and Financial Condition On July 27, 2023, ECB Bancorp, Inc., the holding company for Everett Co-operative Bank, issued a press release announcing its financial results at and for the three and six months ended June 30, 2023. A copy of the press release is included as Exhibit 99.1 to this report and shall not be deemed “filed” for any purpose, nor shall the information or Exhibit 99.1 be deemed incorporated by reference in any filings under the Securities Act of 1933, as…

John Migliozzi: The filing describes a new deferred compensation plan for an existing officer, not a management change.

The filing details new employment and change in control agreements for certain officers.

Entry Into a Material Definitive Agreement. On May 13, 2022, ECB Bancorp, Inc., a Maryland corporation (the “Company”), and Everett Co-operative Bank (the “Bank”) entered into an Agency Agreement with Keefe, Bruyette & Woods, Inc. (“KBW”). KBW will assist in the marketing of the Company’s common stock during the Company’s stock offering in connection with the Bank’s pending conversion from a Massachusetts mutual co-operative bank to a Massachusetts stock co-operative bank. For its services in…