GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

ECBK · Jun 30, 2026

ECB Bancorp, Inc. /MD/. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 4[email protected]
Inspectable configuration

State dimensions

Filing0001437749-26-026449Bank
Sequential deposit growth6thOwn-history percentile · N=16
Evidence method

Sequential · gp.financial.deposits

-0.56% · CORE · VALID

Net-income growth92thOwn-history percentile · N=12
Evidence method

Yoy · gp.fundamentals.net_income

126.46% · CORE · VALID

Interest-income growth8thOwn-history percentile · N=13
Evidence method

Yoy · gp.financial.interest_income

15.90% · CORE · VALID

Sequential loan growth8thOwn-history percentile · N=12
Evidence method

Sequential · gp.financial.loans

0.12% · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History14 statesSelf-history eligible
Mar 31, 20230/5 normalizedLevel 3Jun 30, 20230/5 normalizedLevel 3Sep 30, 20230/4 normalizedLevel 3Dec 31, 20230/5 normalizedLevel 3Mar 31, 20240/5 normalizedLevel 3Jun 30, 20241/4 normalizedLevel 3Sep 30, 20241/4 normalizedLevel 3Dec 31, 20241/3 normalizedLevel 3Mar 31, 20252/3 normalizedLevel 3Jun 30, 20254/4 normalizedLevel 3Sep 30, 20254/4 normalizedLevel 3Dec 31, 20254/4 normalizedLevel 3Mar 31, 20264/4 normalizedLevel 3Jun 30, 20264/4 normalizedLevel 4
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
5.92%
Current
-0.56%
Delta
-6.48%
Earnings Growth Decreased
Previous
140.71%
Current
126.46%
Delta
-14.25%
Interest Income Growth Decreased
Previous
22.66%
Current
15.90%
Delta
-6.76%
Loan Growth Decreased
Previous
1.43%
Current
0.12%
Delta
-1.31%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Dec 31, 2025
Similarity
76%
Compared
4 dimensions
Coverage
100%
Loan Growth 41.7 · Deposit Growth 15.2 · Earnings Growth 11.7 · Interest Income Growth 10.5
Jun 30, 2025
Similarity
59%
Compared
4 dimensions
Coverage
100%
Loan Growth 79.2 · Deposit Growth 18.8 · Earnings Growth 4.2 · Interest Income Growth 3.4
Research Graph

Related governed research

Compared To · Savings Institutions, Not Federally Chartered peers →Analogous To · ECBK state analogue 1 →Analogous To · ECBK state analogue 2 →Has State · ECB Bancorp, Inc. /MD/ →Transitioned To · ECBK Fundamental State →Transitioned To · ECBK DEPOSIT_GROWTH_DECREASED →Transitioned To · ECBK EARNINGS_GROWTH_DECREASED →Transitioned To · ECBK INTEREST_INCOME_GROWTH_DECREASED →Transitioned To · ECBK LOAN_GROWTH_DECREASED →

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.