Filing Flows › ECB Bancorp (ECBK) › How it makes money
How ECB Bancorp (ECBK) makes money
ECB Bancorp (ECBK) made $11.1M of revenue in the third quarter 2026 (Q3 2026), +26% from a year earlier. Net interest income brought in $10.8M (97%); Noninterest income brought in $304K (3%). Of every dollar of revenue, 42¢ was left as operating profit, 31¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $10.8M | 97.3% | +8% | +28% |
| Noninterest income | $304K | 2.7% | 0% | -11% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $11.1M | 100.0% |
| Operating profit | $4.6M | 41.6% |
| Income tax | $1.2M | 11.0% |
| Net earnings | $3.4M | 30.6% |
| Operating cash flow | $4.6M | 41.4% |
| Free cash flow | $3.4M | 30.9% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $11.1M | +26% |
| Q2 2026 | $10.3M | +29% |
| Q1 2026 | $10.2M | +47% |
| Q2 2025 | $8.0M | +27% |
| Q1 2025 | $6.9M | +11% |
From ECB Bancorp's 10-Q filed Nov 6, 2026 (on EDGAR).
Questions
How does ECB Bancorp make money?
ECB Bancorp (ECBK) made $11.1M of revenue in the third quarter 2026 (Q3 2026), +26% from a year earlier. Net interest income brought in $10.8M (97%); Noninterest income brought in $304K (3%). Of every dollar of revenue, 42¢ was left as operating profit, 31¢ was left as net earnings.
What is ECB Bancorp's biggest business?
Net interest income: $10.8M in the third quarter 2026, 97% of revenue, +28% from a year earlier.
What is ECB Bancorp's profit margin?
Net earnings were $3.4M, 30.6% of revenue, in the third quarter 2026; the operating margin was 41.6%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.