ECBK — what changed in the latest 10-Q
A section-by-section comparison of ECBK's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-08-07 vs the prior 10-Q · 2026-05-08
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +34 | −16 | ~18 | 35 |
| Market risk (Item 3) | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Controls & procedures | Text added/removed | 0 | 0 | ~2 | 0 |
| Legal proceedings | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Other information | Text added/removed | 0 | 0 | ~1 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Not shown (absent or not faithfully extractable): Risk factors
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-08-07
Shareholders' Equity. Total shareholders' equity was $179.9 million as of June 30, 2026, as compared to $171.9 million as of December 31, 2025, or an increase of $7.9 million, or 4.6%. This increase is primarily the result of earnings of $6.4 million and an increase in accumulated other comprehensiv…
Comparison of Operating Results for the Three Months Ended June 30, 2026 and June 30, 2025
Net Income. We recorded net income of $3.3 million for the three months ended June 30, 2026, as compared to net income of $1.4 million for the three months ended June 30, 2025, or an increase of $1.8 million, or 126.5%.
Interest and Dividend Income. Interest and dividend income was $22.1 million for the three months ended June 30, 2026, as compared to $19.1 million for the three months ended June 30, 2025, or an increase of $3.0 million, or 15.9%. This increase was driven by a $2.9 million increase in interest and …
Average interest-earning assets increased $166.3 million to $1.61 billion for the three months ended June 30, 2026 from $1.45 billion for the three months ended June 30, 2025. The yield on interest-earning assets increased 21 basis points to 5.46% for the three months ended June 30, 2026 from 5.25% …
Text removed vs the prior filing · source: 10-Q · 2026-05-08
Federal Home Loan Bank Advances. FHLB advances were $260.8 million at March 31, 2026, as compared to $284.8 million at December 31, 2025, or a decrease of $24.0 million, or $8.4%.
Shareholders' Equity. Total shareholders' equity was $175.9 million as of March 31, 2026, as compared to $171.9 million as of December 31, 2025, or an increase of $4.0 million, or 2.3%. This increase is primarily the result of earnings of $3.1 million and a decrease in accumulated other comprehensiv…
Comparison of Operating Results for the Three Months Ended March 31, 2026 and March 31, 2025
Net Income. We recorded net income of $3.1 million for the three months ended March 31, 2026, as compared to net income of $1.3 million for the three months ended March 31, 2025, or an increase of $1.8 million, or 140.7%.
Interest and Dividend Income. Interest and dividend income was $21.6 million for the three months ended March 31, 2026, as compared to $17.6 million for the three months ended March 31, 2025, or an increase of $4.0 million, or 22.7%. This increase was driven by a $4.4 million increase in interest an…
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice