Filing Flows › ECB Bancorp (ECBK) › Q3 2026 › vs Q2 2026
ECB Bancorp (ECBK) Q3 2026 vs Q2 2026 (quarter over quarter)
ECB Bancorp's revenue rose $755K (+7%) from $10.3M in Q2 2026 to $11.1M in Q3 2026. The biggest changes: Net interest income +$755K (+8%); Noninterest income +$0 (0%). Operating margin 41.6% against 43.2% (-1.6 pts).
ECB Bancorp, Q3 2026: revenue $11.1M (+26% year over year), operating margin 41.6%, net earnings $3.4M, operating cash flow $4.6M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 41.6% | 43.2% | -1.6 pts |
| Net margin | 30.6% | 31.5% | -1.0 pts |
| Free cash flow margin | 30.9% | 113.9% | -83.0 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Net interest income | $10.8M | $10.0M | $755K | +8% |
| Noninterest income | $304K | $304K | $0 | 0% |
| Revenue | $11.1M | $10.3M | $755K | +7% |
| Operating profit | $4.6M | $4.5M | $148K | +3% |
| Costs & expenses | $6.5M | $5.9M | $607K | +10% |
| Pre-tax earnings | $4.6M | $4.5M | $148K | +3% |
| Credit loss provision | $205K | $61K | $144K | +236% |
| Noninterest expense | $6.3M | $5.8M | $463K | +8% |
| Net earnings | $3.4M | $3.3M | $130K | +4% |
| Income tax | $1.2M | $1.2M | $18K | +1% |
| Depreciation & amortization | $72K | $75K | −$3K | -4% |
| Share-based compensation | $358K | $335K | $23K | +7% |
| Working capital & other | $774K | $8.3M | −$7.5M | -91% |
| Operating cash flow | $4.6M | $12.0M | −$7.4M | -62% |
| Free cash flow (OCF − capex) | $3.4M | $11.8M | −$8.4M | -71% |
| Capital expenditures | $1.2M | $213K | $954K | +448% |
Questions
How much did ECB Bancorp's revenue grow quarter over quarter in Q3 2026?
ECB Bancorp's revenue rose $755K (+7%) from $10.3M in Q2 2026 to $11.1M in Q3 2026.
What drove ECB Bancorp's revenue change in Q3 2026?
Net interest income +$755K (+8%); Noninterest income +$0 (0%).