ECB Bancorp (ECBK) Balance Sheet: Assets & Liabilities

ECB Bancorp (ECBK) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), ECB Bancorp reported total assets of $1.61B and total liabilities of $1.43B. Shareholders' equity was $171.93M, up 2.2% from $168.27M a year earlier. Total debt stood at $284.81M against $103.80M in cash and short-term investments, a net debt position of $181.01M. That puts debt-to-equity at 1.66, compared with 1.39 a year earlier.

ECB Bancorp Balance Sheet Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for ECB Bancorp, Inc. (ECBK) - Annual data in billions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Current Assets
Cash and Cash Equivalents	0.09	0.16	0.12	0.06	0.05	0.04
Short-Term Investments	0.01	0.01	0.01	0.01	0.01	0.01
Cash & Short-Term Investments	0.10	0.17	0.12	0.07	0.06	0.05
Accounts Receivable	0.01	0.00	0.00	0.00	0.00	0.00
Inventory	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.00	0.00	0.00	0.00	0.00	-0.05
Total Current Assets	0.11	0.18	0.13	0.07	0.06	0.00
Non-Current Assets
Property, Plant & Equipment (Net)	0.00	0.00	0.00	0.00	0.00	0.00
Long-Term Investments	1.45	1.20	1.12	0.96	0.00	0.52
Other Non-Current Assets	0.03	0.03	0.03	0.02	0.02	0.06
Total Non-Current Assets	1.50	1.24	1.15	0.99	0.61	0.59
Total Assets	1.61	1.42	1.28	1.06	0.67	0.59
Current Liabilities
Accounts Payable	0.00	0.00	0.00	0.00	0.00	0.00
Short-Term Debt	0.00	0.00	0.00	0.00	0.00	0.01
Other Current Liabilities	1.13	1.00	0.87	0.72	0.57	0.48
Total Current Liabilities	1.13	1.00	0.87	0.72	0.57	0.49
Non-Current Liabilities
Long-Term Debt	0.28	0.23	0.23	0.17	0.01	0.02
Other Non-Current Liabilities	0.02	0.02	0.01	0.01	0.01	0.01
Total Non-Current Liabilities	0.30	0.25	0.25	0.18	0.02	0.02
Total Liabilities	1.43	1.25	1.12	0.90	0.59	0.51
Stockholders' Equity
Common Stock	0.00	0.00	0.00	0.00	0.00	0.00
Retained Earnings	0.10	0.09	0.08	0.08	0.08	0.07
Accumulated Other Comprehensive Income	0.00	0.00	0.00	0.00	0.00	0.00
Additional Paid-in Capital	0.08	0.08	0.08	0.09	0.00	0.00
Shares Outstanding	0.01	0.01	0.01	0.01	0.01	-
Total Stockholders' Equity	0.17	0.17	0.16	0.16	0.08	0.07
Total Liabilities & Equity	1.61	1.42	1.28	1.06	0.67	0.59

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About ECB Bancorp Balance Sheet

How much debt does ECB Bancorp have?

ECB Bancorp had total debt of $284.81M as of Dec 31, 2025, against $103.80M in cash and short-term investments. Its debt-to-equity ratio was 1.66. Total debt was $234.00M a year earlier.

What are ECB Bancorp's total assets?

ECB Bancorp reported total assets of $1.61B as of Dec 31, 2025, up 13.2% from $1.42B a year earlier. Total liabilities were $1.43B.

What is ECB Bancorp's shareholders' equity?

ECB Bancorp's shareholders' equity was $171.93M as of Dec 31, 2025, or about $19.55 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition