ECB Bancorp, Inc. (ECBK) Balance Sheet
ECBK balance sheet, 2025
December 31, 2025 · U.S. dollars$1.61B assets = $1.43B liabilities + $171.9M equity
Both columns are drawn to the same scale: what ECBK owns equals what it owes plus shareholders’ equity. Hover a block for its value.
ECBK financial health
Descriptive bands, not a rating. Fiscal 2025.
ECBK balance sheet trends, 2020–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $587.6M2020 | $1.61B2025 | +22.3%/yr | |
| Total liabilities | $514.6M2020 | $1.43B2025 | +22.7%/yr | |
| Shareholders’ equity | $73.0M2020 | $171.9M2025 | +18.7%/yr | |
| Cash & short-term investments | $48.4M2020 | $103.8M2025 | +16.5%/yr | |
| Total debt | $18.0M2020 | $284.8M2025 | +73.7%/yr | |
| Net cash (debt) | $30.4M2020 | −$181.0M2025 | −$211.5M | |
| Working capital | −$441.1M2020 | −$1.02B2025 | −$582.2M | |
| Book value per share | $5.972020 | $20.692025 | +28.2%/yr | |
| Debt / equity | 0.252020 | 1.662025 | +1.41 | |
| Shares outstanding | 12.2M2020 | 8.3M2025 | −7.4%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
ECBK assets
ECBK liabilities and equity
ECBK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
ECBK balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Cash & short-term investments | $103.8M | $172.3M | $124.0M | $67.4M | $58.0M | $48.4M |
| Cash & equivalents | $94.9M | $157.7M | $119.0M | $62.4M | $53.0M | $43.4M |
| Short-term investments | $8.9M | $14.6M | $5.0M | $5.0M | $5.0M | $5.0M |
| Receivables | $5.2M | $4.0M | $3.8M | $2.6M | $1.5M | $1.8M |
| Inventory | $0 | $0 | $20,000 | −$65.0M | −$54.5M | −$45.2M |
| Other current assets | $0 | $0 | $0 | $65.0M | $54.5M | $45.2M |
| Total current assets | $109.0M | $176.3M | $127.8M | $70.0M | $59.5M | $50.3M |
| Property, plant & equipment (net) | $3.4M | $3.5M | $3.8M | $3.7M | $3.8M | $4.0M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-term investments | $90.1M | $79.8M | $82.0M | $82.6M | $70.6M | $58.0M |
| Other non-current assets | $1.40B | $1.16B | $1.07B | $908.2M | $532.7M | $475.4M |
| Total assets | $1.61B | $1.42B | $1.28B | $1.06B | $666.5M | $587.6M |
| Liabilities | ||||||
| Accounts payable | — | — | — | — | $571.7M | $491.4M |
| Short-term debt | — | $25.2M | $30.2M | $55.0M | — | $13.0M |
| Total current liabilities | $1.13B | $998.5M | $868.2M | $718.1M | $571.8M | $491.4M |
| Long-term debt | $284.8M | $234.0M | $234.0M | $174.0M | $9.0M | $18.0M |
| Other long-term liabilities | $16.6M | $17.4M | $13.2M | $9.6M | $8.5M | $5.2M |
| Total liabilities | $1.43B | $1.25B | $1.12B | $901.7M | $589.2M | $514.6M |
| Shareholders' equity | ||||||
| Common stock & paid-in capital | $88,000 | $91,000 | $93,000 | $92,000 | — | — |
| Retained earnings (deficit) | $95.6M | $87.8M | $83.9M | $80.1M | $77.4M | $73.3M |
| Accumulated other comprehensive income | −$896,000 | $382,000 | $129,000 | $249,000 | −$83,000 | −$280,000 |
| Total shareholders' equity | $171.9M | $168.3M | $164.9M | $162.7M | $77.3M | $73.0M |
| Key figures | ||||||
| Total debt | $284.8M | $234.0M | $234.0M | $174.0M | $9.0M | $18.0M |
| Net cash (debt) | −$181.0M | −$61.7M | −$110.0M | −$106.6M | $49.0M | $30.4M |
| Working capital | −$1.02B | −$822.2M | −$740.4M | −$648.2M | −$512.3M | −$441.1M |
| Tangible book value | $171.9M | $168.3M | $164.9M | $162.7M | $77.3M | $73.0M |
| Book value per share | $20.69 | $20.16 | $19.35 | $19.24 | $6.32 | $5.97 |
| Shares outstanding | 8.3M | 8.3M | 8.5M | 8.5M | 12.2M | 12.2M |
| Current ratio | 0.10 | 0.18 | 0.15 | 0.10 | 0.10 | 0.10 |
| Quick ratio | 0.10 | 0.18 | 0.15 | 0.10 | 0.10 | 0.10 |
| Debt / equity | 1.66 | 1.39 | 1.42 | 1.07 | 0.12 | 0.25 |
| Equity / assets | 10.7% | 11.9% | 12.9% | 15.3% | 11.6% | 12.4% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $124.0M | $3.0M | $103.8M | $120.9M | $113.0M | $164.5M | $172.3M | $124.0M | $111.4M | $114.9M | $124.0M | $102.4M |
| Cash & equivalents | $2.9M | $3.0M | $94.9M | $110.6M | $98.7M | $148.2M | $157.7M | $119.8M | $111.4M | $112.4M | $119.0M | $97.4M |
| Short-term investments | $121.0M | $108.2M | $8.9M | $10.3M | $14.3M | $16.3M | $14.6M | $4.2M | $39.2M | $2.5M | $5.0M | $5.0M |
| Receivables | $5.3M | $5.3M | $5.2M | $5.3M | $4.8M | $4.3M | $4.0M | $4.2M | $4.2M | $4.1M | $3.8M | $3.4M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$123.8M | −$115.7M | −$116.4M | $20,000 | −$100.8M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $123.8M | $115.7M | $116.4M | $0 | $100.8M |
| Total current assets | $129.2M | $8.4M | $109.0M | $126.1M | $117.8M | $168.9M | $176.3M | $128.2M | $115.7M | $118.9M | $127.8M | $105.8M |
| Property, plant & equipment (net) | $3.5M | $3.4M | $3.4M | $3.4M | $3.4M | $3.5M | $3.5M | $3.6M | $3.7M | $3.7M | $3.8M | $3.7M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-term investments | $90.5M | $88.7M | $90.1M | $89.5M | $86.9M | $82.0M | $79.8M | $81.4M | $80.5M | $79.8M | $82.0M | $79.9M |
| Other non-current assets | $1.45B | $1.55B | $1.40B | $1.33B | $1.31B | $1.20B | $1.16B | $1.14B | $1.14B | $1.10B | $1.07B | $1.02B |
| Total assets | $1.67B | $1.65B | $1.61B | $1.55B | $1.52B | $1.45B | $1.42B | $1.36B | $1.34B | $1.30B | $1.28B | $1.21B |
| Liabilities | ||||||||||||
| Short-term debt | — | — | — | — | — | — | $25.2M | — | — | — | $30.2M | — |
| Total current liabilities | $1.19B | — | $1.13B | $1.11B | $1.07B | $1.04B | $998.5M | $944.3M | $932.8M | $901.6M | $868.2M | $812.5M |
| Long-term debt | $285.0M | $260.8M | $284.8M | $259.8M | $264.8M | $234.0M | $234.0M | $234.0M | $224.0M | $224.0M | $234.0M | $224.0M |
| Other long-term liabilities | $13.9M | $1.21B | $16.6M | $14.9M | $14.5M | $13.0M | $17.4M | $13.6M | $12.7M | $12.0M | $13.2M | $11.7M |
| Total liabilities | $1.49B | $1.47B | $1.43B | $1.38B | $1.35B | $1.28B | $1.25B | $1.19B | $1.17B | $1.14B | $1.12B | $1.05B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $87,000 | $88,000 | $88,000 | $88,000 | $89,000 | $90,000 | $91,000 | $92,000 | $92,000 | $92,000 | $93,000 | $92,000 |
| Retained earnings (deficit) | $102.0M | $98.7M | $95.6M | $93.0M | $90.6M | $89.1M | $87.8M | $86.4M | $85.3M | $84.5M | $83.9M | $83.1M |
| Accumulated other comprehensive income | $712,000 | −$144,000 | −$896,000 | −$998,000 | −$1.1M | −$385,000 | $382,000 | −$781,000 | $556,000 | $582,000 | $129,000 | $246,000 |
| Total shareholders' equity | $179.9M | $175.9M | $171.9M | $169.3M | $168.3M | $168.6M | $168.3M | $166.0M | $166.5M | $165.8M | $164.9M | $165.5M |
| Key figures | ||||||||||||
| Total debt | $285.0M | $260.8M | $284.8M | $259.8M | $264.8M | $234.0M | $234.0M | $234.0M | $224.0M | $224.0M | $234.0M | $224.0M |
| Net cash (debt) | −$161.0M | −$257.8M | −$181.0M | −$138.9M | −$151.8M | −$69.5M | −$61.7M | −$110.0M | −$112.6M | −$109.1M | −$110.0M | −$121.6M |
| Working capital | −$1.06B | — | −$1.02B | −$982.5M | −$949.7M | −$867.8M | −$822.2M | −$816.2M | −$817.1M | −$782.7M | −$740.4M | −$706.7M |
| Tangible book value | $179.9M | $175.9M | $171.9M | $169.3M | $168.3M | $168.6M | $168.3M | $166.0M | $166.5M | $165.8M | $164.9M | $165.5M |
| Book value per share | $21.58 | $21.20 | $20.82 | $20.33 | $20.11 | $20.20 | $20.09 | $19.90 | $19.95 | $19.79 | $19.55 | $19.50 |
| Shares outstanding | 8.3M | 8.3M | 8.3M | 8.3M | 8.4M | 8.3M | 8.4M | 8.3M | 8.3M | 8.4M | 8.4M | 8.5M |
| Current ratio | 0.11 | — | 0.10 | 0.11 | 0.11 | 0.16 | 0.18 | 0.14 | 0.12 | 0.13 | 0.15 | 0.13 |
| Quick ratio | 0.11 | — | 0.10 | 0.11 | 0.11 | 0.16 | 0.18 | 0.14 | 0.12 | 0.13 | 0.15 | 0.13 |
| Debt / equity | 1.58 | 1.48 | 1.66 | 1.53 | 1.57 | 1.39 | 1.39 | 1.41 | 1.35 | 1.35 | 1.42 | 1.35 |
| Equity / assets | 10.8% | 10.7% | 10.7% | 10.9% | 11.1% | 11.6% | 11.9% | 12.2% | 12.5% | 12.7% | 12.9% | 13.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 25, 2026); data from EODHD.
ECBK financial position
At the end of fiscal 2025 (December 31, 2025), ECB Bancorp had total assets of $1.6 billion (up 13.2% from a year earlier), total liabilities of $1.4 billion and shareholders' equity of $171.9 million. It held $103.8 million in cash and short-term investments against $284.8 million of debt, net debt of $181.0 million. Its current ratio was 0.10. In the latest quarter (ended June 30, 2026) total assets were $1.7 billion and equity $179.9 million.
Related: ECBK income statement, ECBK cash flow statement, ECBK key metrics. See the ECBK stock overview for the latest quote and news.
ECBK balance sheet FAQ
What are ECB Bancorp's total assets?
ECB Bancorp reported total assets of $1.6 billion at the end of fiscal 2025 (December 31, 2025), compared with $1.4 billion a year earlier.
How much debt does ECB Bancorp have?
ECB Bancorp had $284.8 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 1.66.
How much cash does ECB Bancorp have?
ECB Bancorp held $103.8 million in cash and short-term investments at the end of fiscal 2025; with $284.8 million of debt that is net debt of $181.0 million.
What is ECB Bancorp's book value?
ECB Bancorp's shareholders' equity (book value) was $171.9 million at the end of fiscal 2025, or $20.69 per share.
What is ECB Bancorp's current ratio?
ECB Bancorp had current assets of $109.0 million and current liabilities of $1.1 billion, a current ratio of 0.10 (current liabilities exceed current assets).