ECB Bancorp, Inc. is classed by the SEC under Savings Institutions, Not Federally Chartered (industry code 6036), based in Everett, MA. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $598 thousand and a profit of $8 million (its filed statements).
Lending businessSavings Institutions, Not Federally CharteredEverett, MAfilings since 20227 of 9 filed, 2 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6036, Savings Institutions, Not Federally Chartered); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.9 out of ten, 7 of 9 metrics filed and 2 estimated: past 5.2 out of ten, present 4.0 out of ten, future 5.6 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 3.9 out of ten. 2 warning events since 2022; the latest 2024-03-12. 39th percentile among 23 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 8.2 out of ten. +36.7% a year over 5 filed years; profitable in 5 of 5. 82nd percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 5.0 out of ten. Share count shrank 0.6% a year. 44% of cash flow returned. Insiders: 0 sales, 18 purchases. 50th percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 3.7 out of ten. ROE 5%: 5¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar. 37th percentile among 23 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 5.7 out of ten. top 43% of 22 in its family; net margin 9.9%. 57th percentile among 22 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 1.8 out of ten. CrossAssetData estimate 1.8/10, confidence 35 of 100 (one part). 18th percentile among 22 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Room to expand (future): 3.9 out of ten. CrossAssetData estimate 3.9/10, confidence 35 of 100 (one part). 39th percentile among 23 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Growth drivers (future): 6.7 out of ten. top 33% of 19 in its family for growth drivers. 67th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 6.2 out of ten. top 38% of 17 in its family for expectations against reality. 62nd percentile among 17 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-25 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-23 (on EDGAR). Newest filing: Form 3, 2026-09-23. Filings on record since 2022. Read from EDGAR 2026-10-12.
Who runs it
O'Neil, Richard J Jr (President and CEO); Lavertu, Brandon (CFO); Cushing, Matthew J. (director); Sachetta, Joseph (director); Sullivan, Maura Ellen (director). 5 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
Every stock is a company. We grade the company behind the stock. CrossAssetData is a company research product: no investment advice, no price targets, no price predictions; every claim carries its source, and unseen means unseen. The full file draws when the page's script runs: the essentials, the balance sheet, the estimators, the trend, and every filing of the last ten years.