# EDGAR Filing Document

**Accession Number:** 0001914605
**File Stem:** 0001437749-26-000982
**Filing Date:** 2026-1
**Character Count:** 8735
**Document Hash:** 962ff650ba9929c0a40a7b174c19ea4b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001437749-26-000982.hdr.sgml**: 20260109

**ACCESSION NUMBER**: 0001437749-26-000982

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20260109

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260109

**DATE AS OF CHANGE**: 20260109

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** ECB Bancorp, Inc. /MD/
- **CENTRAL INDEX KEY:** 0001914605
- **STANDARD INDUSTRIAL CLASSIFICATION:** SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-41456
- **FILM NUMBER:** 26523130

**BUSINESS ADDRESS:**
- **STREET 1:** 419 BROADWAY
- **CITY:** EVERETT
- **STATE:** MA
- **ZIP:** 02149
- **BUSINESS PHONE:** (617) 387-1110

**MAIL ADDRESS:**
- **STREET 1:** 419 BROADWAY
- **CITY:** EVERETT
- **STATE:** MA
- **ZIP:** 02149

?xml version='1.0' encoding='ASCII'? ecbk20260106_8k.htm

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, DC 20549**

**FORM 8-K**

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

Date of Report (Date of earliest event reported): January 9, 2026

**<u>ECB BANCORP, INC.</u>**

(Exact Name of Registrant as Specified in Its Charter)

---

| | | |
|:---|:---|:---|
| **<u>Maryland</u>** | <u>**001-41456**</u> | **<u>88-1502079</u>**  |
| (State or other jurisdiction of | (Commission | (IRS Employer |
| incorporation or organization) | File Number) | Identification No.) |

---

**<u>419 Broadway, Everett, Massachusetts 02149</u>**

(Address of principal executive offices) (Zip Code)

**<u>(617) 387-1110</u>**

(Registrant's telephone number, including area code)

**<u>Not Applicable</u>**

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

---

| | |
|:---|:---|
| Title of each class | Name of each exchange on which registered |
| Common Stock, par value $0.01 per share<br> ECBK | The Nasdaq Stock Market LLC |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

------

**Item 8.01.**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>**Other Events.**</u>

On January 9, 2026, ECB Bancorp, Inc. (the "Company") issued a press release announcing that its wholly owned subsidiary, Everett Co-operative Bank, is filing an application to establish a new branch office located at 501 High Street, Medford, Massachusetts. The new branch office is expected to open in the third quarter of 2026. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.

**Item 9.01**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **<u>Financial Statements and Other Exhibits</u>.**

&nbsp;&nbsp;&nbsp;&nbsp; (d)&nbsp;&nbsp;&nbsp;&nbsp; Exhibits

<u>Number</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Description</u>

99.1 [Press Release dated January 9, 2026](ex_904720.htm)

104&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cover Page Interactive Data File (embedded within the Inline XBRL document)

------

**SIGNATURE**

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

---

| | |
|:---|:---|
|  | ECB BANCORP, INC. |
| Date: January 9, 2026 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; By: <u>/s/ Brandon N. Lavertu</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Brandon N. Lavertu |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Executive Vice President and Chief Financial Officer |

---

## Exhibit 99.1

**Exhibit 99.1**

**FOR IMMEDIATE RELEASE**

**Contact: Richard J. O'Neil, Jr.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**President and Chief Executive Officer**

**Telephone: (617) 387-1110**

**ECB Bancorp, Inc. and Everett Co-operative Bank Announce Plan** 

**to Open Full-Service Branch Office in Medford, Massachusetts**

**EVERETT, MASSACHUSETTS,** January 9, 2026 – ECB Bancorp, Inc. (NASDAQ: ECBK), the holding company for Everett Co-operative Bank (the "Bank"), announced today that the Bank is planning to open a full-service branch office at 501 High Street, Medford, Massachusetts. The branch office is expected to open in the third quarter of 2026.

Richard J. O'Neil, Jr., President and Chief Executive Officer, said, "We are excited to expand our existing franchise as we continue to grow and implement our business plan. The opening of a branch in Medford reinforces our long-standing commitment to serving the communities where our customers live and work. Medford is a vibrant and growing community, and we are excited to expand our physical presence here to provide convenient, relationship-based banking and support local families, businesses, municipalities and nonprofits. While banking continues to evolve digitally, we believe strongly in the value of local branches staffed by experienced professionals who know their customers and are committed to helping them succeed."

**<u>About ECB Bancorp, Inc. and Everett Co-operative Bank</u>**

ECB Bancorp, Inc. (the "Company") is the registered bank holding company for Everett Co-operative Bank. Everett Co-operative Bank, originally chartered in 1890, is an FDIC-insured, Massachusetts cooperative stock bank with approximately $1.6 billion of assets as of December 31, 2025. The Bank offers a wide range of financial services through its three banking offices located in Everett, Lynnfield and Woburn, Massachusetts. For more information about Everett Co-operative Bank and ECB Bancorp, Inc. please visit our website at www.everettbank.com

**<u>Forward Looking Statements</u>**

This press release contains "forward-looking statements" within the meaning of the Securities Litigation Reform Act of 1995, or the Reform Act, which may include, but are not limited to, statements regarding the Company's estimates, plans, objectives, expectations and intentions and other statements contained in this press release that are not historical facts, including statements identified by words such as "believe," "plan," "seek," "expect," "intend," "estimate," "anticipate," "will," and similar expressions. All statements addressing the Bank's expectation to open its new branch office are forward-looking statements within the meaning of the Reform Act. The forward-looking statements are based on management's current views and assumptions regarding future events and operating performance, and are inherently subject to significant uncertainties and contingencies and changes in circumstances, many of which are beyond the Company's control. The statements in this press release are made as of the date of this press release, even if subsequently made available by the Company on its website or otherwise. The Company does not undertake any obligation to update or revise these statements to reflect events or circumstances occurring after the date of this press release.