ECBK / ECB Bancorp, Inc. - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41456 ECB Bancorp, Inc.

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): July 24, 2025 ECB BANCORP, INC. (Ex

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): July 24, 2025 ECB BANCORP, INC.

ECB Bancorp, Inc. Reports Second Quarter Results

Exhibit 99.1 For Immediate Release Date: July 24, 2025 Contact: Richard J. O’Neil, Jr. President and Chief Executive Officer Phone: 617-387-1110 Email: [email protected] ECB Bancorp, Inc. Reports Second Quarter Results EVERETT, MA, July 24, 2025 - ECB Bancorp, Inc. (NASDAQ-ECBK) (the “Company”), the holding company for Everett Co-operative Bank (the “Bank”), a state-chartered co-operative ba

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): May 21, 2025 ECB BANCORP, INC. (Exa

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): May 21, 2025 ECB BANCORP, INC.

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41456 ECB Bancorp, Inc.

ECB Bancorp, Inc. Announces Commencement of Additional Share Repurchase Plan

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Richard J. O’Neil, Jr. President and Chief Executive Officer Telephone: (617) 387-1110 ECB Bancorp, Inc. Announces Commencement of Additional Share Repurchase Plan EVERETT, MASSACHUSETTS, May 8, 2025 – ECB Bancorp, Inc. (NASDAQ: ECBK), the holding company for Everett Co-operative Bank, announced today that it has adopted a stock repurchase program for up

8-K

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): May 8, 2025 ECB BANCORP, INC.

8-K

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): April 24, 2025 ECB BANCORP, INC.

ECB Bancorp, Inc. Reports First Quarter Results

Exhibit 99.1 For Immediate Release Date: April 24, 2025 Contact: Richard J. O’Neil, Jr. President and Chief Executive Officer Phone: 617-387-1110 Email: [email protected] ECB Bancorp, Inc. Reports First Quarter Results EVERETT, MA, April 24, 2025 - ECB Bancorp, Inc. (NASDAQ-ECBK) (the “Company”), the holding company for Everett Co-operative Bank (the “Bank”), a state-chartered co-operative b

Other Events

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): April 11, 2025 ECB BANCORP, INC.

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

Non-Qualified Deferred Compensation Plan for Brandon Lavertu

EXHIBIT 10.10 EVERETT CO-OPERATIVE BANK NONQUALIFIED DEFERRED COMPENSATION PLAN FOR Brandon Lavertu This Nonqualified Deferred Compensation Plan (the "Plan") is adopted effective January 1, 2025, by and between Everett Co-operative Bank (the "Bank"), a Massachusetts banking corporation, and Brandon Lavertu (the "Executive"). RECITALS 1. The Executive is employed by the Bank. 2. The Bank recognizes

Insider Trading Policy

EXHIBIT 19 ECB BANCORP, INC. PART 1 - POLICY REGARDING INSIDER TRADING Upon completion of the mutual to stock conversion of Everett Co-operative Bank, ECB Bancorp, Inc. (the “Company”) will be a public company, the common stock of which will be listed on the Nasdaq Capital Market and registered under the Securities Exchange Act of 1934, as amended. As a public company, the Company files periodic r

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the year ended December 31, 2024. OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission file number: 001-41456 ECB BANCORP, INC. (Exact name

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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): February 19, 2025 ECB BANCORP, INC.

ECB Bancorp, Inc. Reports Fourth Quarter and Year End Results

Exhibit 99.1 For Immediate Release Date: February 5, 2025 Contact: Richard J. O’Neil, Jr. President and Chief Executive Officer Phone: 617-387-1110 Email: [email protected] ECB Bancorp, Inc. Reports Fourth Quarter and Year End Results EVERETT, MA, February 5, 2025 - ECB Bancorp, Inc. (NASDAQ-ECBK) (the “Company”), the holding company for Everett Co-operative Bank (the “Bank”), a state-charte

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

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): February 5, 2025 ECB BANCORP, INC.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41456 ECB Bancorp, Inc.

ECB Bancorp, Inc. Reports Third Quarter Results

For Immediate Release Date: October 24, 2024 Contact: Richard J. O’Neil, Jr. President and Chief Executive Officer Phone: 617-387-1110 Email: [email protected] ECB Bancorp, Inc. Reports Third Quarter Results EVERETT, MA, October 24, 2024 - ECB Bancorp, Inc. (NASDAQ-ECBK) (the “Company”), the holding company for Everett Co-operative Bank (the “Bank”), a state-chartered co-operative bank headq

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): October 24, 2024 ECB BANCORP, INC.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41456 ECB Bancorp, Inc.

Change in Control Agreement by and between Everett Co-operative Bank, ECB Bancorp, Inc. (as guarantor) and Brandon Lavertu

EX-10.1 2 ecbk-ex101.htm EX-10.1 Exhibit 10.1 CHANGE IN CONTROL AGREEMENT This AGREEMENT is made effective as of December 21, 2022 (“Effective Date”), by and between EVERETT CO-OPERATIVE BANK, a Massachusetts chartered stock savings bank (the “Bank”) and BRANDON LAVERTU (“Executive”). Any reference to the “Company” herein shall mean ECB BANCORP, INC. or any successor thereto. The Company has execu

ECB Bancorp, Inc. Reports Second Quarter Results

For Immediate Release Date: July 25, 2024 Contact: Richard J. O’Neil, Jr. President and Chief Executive Officer Phone: 617-387-1110 Email: [email protected] ECB Bancorp, Inc. Reports Second Quarter Results EVERETT, MA, July 25, 2024 - ECB Bancorp, Inc. (NASDAQ-ECBK) (the “Company”), the holding company for Everett Co-operative Bank (the “Bank”), a state-chartered co-operative bank headquarte

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): July 25, 2024 ECB BANCORP, INC. (Ex

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): July 25, 2024 ECB BANCORP, INC.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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): July 17, 2024 ECB BANCORP, INC.

Submission of Matters to a Vote of Security Holders

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): June 5, 2024 ECB BANCORP, INC.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41456 ECB Bancorp, Inc.

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ___)

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): April 25, 2024 ECB BANCORP, INC.

ECB Bancorp, Inc. Reports First Quarter Results

For Immediate Release Date: April 25, 2024 Contact: Richard J. O’Neil, Jr. President and Chief Executive Officer Phone: 617-387-1110 Email: [email protected] ECB Bancorp, Inc. Reports First Quarter Results EVERETT, MA, April 25, 2024 - ECB Bancorp, Inc. (NASDAQ-ECBK) (the “Company”), the holding company for Everett Co-operative Bank (the “Bank”), a state-chartered co-operative bank headquart

Description of ECB Bancorp, Inc. Securities

EXHIBIT 4.2 Description of ECB Bancorp, Inc. Common Stock Unless otherwise indicated or the context otherwise requires, references in this Exhibit 4.2 to “we, “us” and “our” refer collectively to ECB Bancorp, Inc. and Everett Co-operative Bank or to any of those entities, depending on the context. General ECB Bancorp, Inc. (“ECB Bancorp”) is authorized to issue 30,000,000 shares of common stock, p

ECB Bancorp, Inc. Recoupment/Clawback Policy

EXHIBIT 97 ECB BANCORP, INC. RECOUPMENT/CLAWBACK POLICY 1. Policy Purpose; Effective Date and Retroactive Application. The purpose of this ECB Bancorp, Inc. (the “Company”) Recoupment/Clawback Policy (this “Policy”) is to enable the Company to recoup Erroneously Awarded Compensation in the event that the Company is required to prepare an Accounting Restatement.This Policy is designed to comply wit

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the year ended December 31, 2023. OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission file number: 001-41456 ECB BANCORP, INC. (Exact name

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): March 11, 2024 ECB BANCORP, INC. (E

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): March 11, 2024 ECB BANCORP, INC.

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

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): February 15, 2024 ECB BANCORP, INC.

ECB Bancorp, Inc. Reports Fourth Quarter Results

For Immediate Release Date: February 15, 2024 Contact: Richard J. O’Neil, Jr. President and Chief Executive Officer Phone: 617-387-1110 Email: [email protected] ECB Bancorp, Inc. Reports Fourth Quarter Results EVERETT, MA, February 15, 2024 - ECB Bancorp, Inc. (NASDAQ-ECBK) (the “Company”), the holding company for Everett Co-operative Bank (the “Bank”), a state-chartered co-operative bank he

ECBK / ECB Bancorp, Inc. / ALLIANCEBERNSTEIN L.P. - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* ECB Bancorp Inc/MD (Name of Issuer) Common Stock (Title of Class of Securities) 26828M106 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to

ECBK / ECB Bancorp, Inc. / ECB Bancorp, Inc. /MD/ - SC 13G/A Passive Investment

SC 13G/A 1 d791063dsc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO § 240.13d-1(b), (c) AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO § 240.13d-2 (Amendment No.1)* ECB Bancorp, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securitie

Letter from Baker Newman & Noyes LLC dated January 18, 2024

Exhibit 16.1 January 18, 2024 Securities and Exchange Commission 100 F Street NE Washington, DC 20549 Commissioners: We have read the statements made by ECB Bancorp, Inc. pursuant to Item 4.01 of Form 8-K, which Form 8-K we understand will be filed with the Securities and Exchange Commission on January 18, 2024 and are in agreement with the disclosures in the referenced Form 8-K, insofar as they p

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

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 16, 2024 ECB BANCORP, INC.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41456 ECB Bancorp, Inc.

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): October 26, 2023 ECB BANCORP, INC.

ECB Bancorp, Inc. Reports Third Quarter Results

For Immediate Release Date: October 26, 2023 Contact: Richard J. O’Neil, Jr. President and Chief Executive Officer Phone: 617-387-1110 Email: [email protected] ECB Bancorp, Inc. Reports Third Quarter Results EVERETT, MA, October 26, 2023 - ECB Bancorp, Inc. (NASDAQ-ECBK) (the “Company”), the holding company for Everett Co-operative Bank (the “Bank”), a state-chartered co-operative bank headq

Form of Time-Based Restricted Stock Award Agreement – Non-Employee Directors

EXHIBIT 10.3 FORM OF TIME-BASED RESTRICTED STOCK AWARD AGREEMENT ECB BANCORP, INC. 2023 EQUITY INCENTIVE PLAN (NON-EMPLOYEE DIRECTORS) This time-based Restricted Stock award agreement (“Restricted Stock Award” or Agreement”) is and will be subject in every respect to the provisions of the ECB Bancorp, Inc. 2023 Equity Incentive Plan (the “Plan”) which are incorporated herein by reference and made

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 ECB BANCORP, INC. (Exact name of registrant as specified in its charter)

As filed with the U.S. Securities and Exchange Commission on September 8, 2023 Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 ECB BANCORP, INC. (Exact name of registrant as specified in its charter) Maryland (State or other jurisdiction of incorporation or organization) 88-1502079 (IRS Emp

Form of Time-Based Non-Statutory Stock Option Award Agreement – Employee

EXHIBIT 10.6 FORM OF TIME-BASED NON-STATUTORY STOCK OPTION AWARD AGREEMENT ECB BANCORP, INC. 2023 EQUITY INCENTIVE PLAN (EMPLOYEES) This Non-Statutory Stock Option (“NSO”) award agreement (“NSO Award” or “Agreement”) is and will be subject in every respect to the provisions of the ECB Bancorp, Inc. 2023 Equity Incentive Plan (the “Plan”) which are incorporated herein by reference and made a part h

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

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): September 7, 2023 ECB BANCORP, INC.

Filing Fee Table

EXHIBIT FILING FEES Calculation of Filing Fee Table Form S-8 (Form Type) ECB Bancorp, Inc.

Form of Time-Based Incentive Stock Option Award Agreement - Employees

EXHIBIT 10.5 FORM OF TIME-BASED INCENTIVE STOCK OPTION AWARD AGREEMENT ECB BANCORP, INC. 2023 EQUITY INCENTIVE PLAN (EMPLOYEES) This Incentive Stock Option (“ISO”) award agreement (“ISO Award” or “Agreement”) is and will be subject in every respect to the provisions of the ECB Bancorp, Inc. 2023 Equity Incentive Plan (the “Plan”) which are incorporated herein by reference and made a part hereof, s

Form of Time-Based Non-Statutory Stock Option Award Agreement – Non-Employee Directors

EXHIBIT 10.2 FORM OF TIME-BASED NON-STATUTORY STOCK OPTION AWARD AGREEMENT ECB BANCORP, INC. 2023 EQUITY INCENTIVE PLAN (NON-EMPLOYEE DIRECTOR) This Non-Statutory Stock Option (“NSO”) award agreement (“NSO Award” or “Agreement”) is and will be subject in every respect to the provisions of the ECB Bancorp, Inc. 2023 Equity Incentive Plan (the “Plan”) which are incorporated herein by reference and m

Form of Time-Based Restricted Stock Award Agreement – Employees

EXHIBIT 10.4 FORM OF TIME-BASED RESTRICTED STOCK AWARD AGREEMENT ECB BANCORP, INC. 2023 EQUITY INCENTIVE PLAN (EMPLOYEE) This time-based Restricted Stock award agreement (“Restricted Stock Award” or Agreement”) is and will be subject in every respect to the provisions of the ECB Bancorp, Inc. 2023 Equity Incentive Plan (the “Plan”) which are incorporated herein by reference and made a part hereof,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41456 ECB Bancorp, Inc.

Financial Statements and Exhibits, Other Events

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): August 10, 2023 ECB BANCORP, INC.

ECB Bancorp, Inc. Announces Adoption of Share Repurchase Plan

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Richard J. O’Neil, Jr. President and Chief Executive Officer Telephone: (617) 387-1110 ECB Bancorp, Inc. Announces Adoption of Share Repurchase Plan EVERETT, MASSACHUSETTS, August 10, 2023 – ECB Bancorp, Inc. (NASDAQ: ECBK), the holding company for Everett Co-operative Bank, announced today that it has adopted a stock repurchase program for up to 458,762

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEF 14A SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEFA14A SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

ECB Bancorp, Inc. Reports Second Quarter Results

For Immediate Release Date: July 27, 2023 Contact: Richard J. O’Neil, Jr. President and Chief Executive Officer Phone: 617-387-1110 Email: [email protected] ECB Bancorp, Inc. Reports Second Quarter Results EVERETT, MA, July 27, 2023 - ECB Bancorp, Inc. (NASDAQ-ECBK) (the “Company”), the holding company for Everett Co-operative Bank (the “Bank”), a state-chartered co-operative bank headquarte

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): July 27, 2023 ECB BANCORP, INC.

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): July 19, 2023 ECB BANCORP, INC. (Ex

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): July 19, 2023 ECB BANCORP, INC.

Non-Qualified Deferred Compensation Plan for John Migliozzi(5)

Exhibit 10.1 EVERETT CO-OPERATIVE BANK NONQUALIFIED DEFERRED COMPENSATION PLAN FOR JOHN MIGLIOZZI This Nonqualified Deferred Compensation Plan (the “Plan”) is adopted July 1, 2023, by and between Everett Co-operative Bank (the “Bank”), a Massachusetts banking corporation, and John Migliozzi (the “Executive”). RECITALS A. The Executive is employed by the Bank. B. The Bank recognizes the valuable se

Financial Statements and Exhibits, Other Events

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): June 12, 2023 ECB BANCORP, INC.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41456 ECB Bancorp, Inc.

Financial Statements and Exhibits, Other Events

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): April 12, 2023 ECB BANCORP, INC.

ECB Bancorp, Inc. and Everett Co-operative Bank Announce Plan to Open Full-Service Branch Office in Woburn, Massachusetts

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Richard J. O’Neil, Jr. 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 Woburn, Massachusetts EVERETT, MASSACHUSETTS, April 12, 2023 – ECB Bancorp, Inc. (NASDAQ: ECBK), the holding company for Everett Co-operative Bank (the “Bank”), announce

Employment Agreement by and between ECB Bancorp, Inc., Everett Co-operative Bank and Richard J. O’Neil, Jr., As Amended (2)

Exhibit 10.1 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (“Agreement”) is made and entered into on December 21, 2022 (“Effective Date”), by and between ECB Bancorp, Inc. (the “Company”), a Maryland corporation, Everett Co-operative Bank (the “Bank”) and Richard J. O’Neil, Jr. (the “Executive”) (collectively the “Parties”). Background A. The Company and the Bank wish to employ the Executive on t

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the year ended December 31, 2022. OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission file number: 001-41456 ECB BANCORP, INC. (Exact name

ECBK / ECB Bancorp Inc / ALLIANCEBERNSTEIN L.P. - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* ECB Bancorp Inc/MD (Name of Issuer) Common Stock (Title of Class of Securities) 26828M106 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Sched

ECBK / ECB Bancorp Inc / ECB Bancorp, Inc. /MD/ - ECB BANCORP, INC. SCHEDULE 13G DECEMBER 31, 2022 Passive Investment

SC 13G 1 sch13g2022.htm ECB BANCORP, INC. SCHEDULE 13G DECEMBER 31, 2022 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.)* ECB Bancorp, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 26828M 106 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Fil

Change in Control Agreement by and between Everett Co-operative Bank, ECB Bancorp, Inc. (as guarantor) and John Migliozzi (3)

EX-10.3 4 ex10-3.htm CHANGE IN CONTROL AGREEMENT FOR JOHN MIGLIOZZI Exhibit 10.3 CHANGE IN CONTROL AGREEMENT This AGREEMENT is made effective as of December 21, 2022 (“Effective Date”), by and between EVERETT CO-OPERATIVE BANK, a Massachusetts chartered stock savings bank (the “Bank”) and JOHN MIGLIOZZI (“Executive”). Any reference to the “Company” herein shall mean ECB BANCORP, INC. or any succes

Change in Control Agreement by and between Everett Co-operative Bank, ECB Bancorp, Inc. (as guarantor) and John Citrano (3)

EX-10.2 3 ex10-2.htm CHANGE IN CONTROL AGREEMENT FOR JOHN CITRANO Exhibit 10.2 CHANGE IN CONTROL AGREEMENT This AGREEMENT is made effective as of December 21, 2022 (“Effective Date”), by and between EVERETT CO-OPERATIVE BANK, a Massachusetts chartered stock savings bank (the “Bank”) and JOHN CITRANO (“Executive”). Any reference to the “Company” herein shall mean ECB BANCORP, INC. or any successor

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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): December 21, 2022 ECB BANCORP, INC.

EMPLOYMENT AGREEMENT

EX-10.1 2 ex10-1.htm EMPLOYMENT AGREEMENT FOR RICHARD J. O'NEIL, JR. Exhibit 10.1 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (“Agreement”) is made and entered into on December 21, 2022 (“Effective Date”), by and between ECB Bancorp, Inc. (the “Company”), a Maryland corporation, Everett Co-operative Bank (the “Bank”) and Richard J. O’Neil, Jr. (the “Executive”) (collectively the “Parties”). Bac

Confidentiality and Non-Solicitation Agreement by and between Everett Co-operative Bank and John Migliozzi (3)

EX-10.4 5 ex10-4.htm CONFIDENTIALITY AND NON-SOLICITATION AGREEMENT FOR JOHN MIGLIOZZI Exhibit 10.4 CONFIDENTIALITY AND NON-SOLICITATION AGREEMENT CONFIDENTIALITY AND NON-SOLICITATION AGREEMENT (the “Agreement”), dated as of January 3, 2022 by and between EVERETT CO-OPERATIVE BANK, a Massachusetts chartered savings bank (the “Bank”) and JOHN MIGLIOZZI (“Executive”). WHEREAS, the Executive has acce

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41456 ECB Bancorp, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-41456 ECB Bancorp, Inc.

As filed with the Securities and Exchange Commission on July 29, 2022

As filed with the Securities and Exchange Commission on July 29, 2022 Registration No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 ECB Bancorp, Inc. (Exact Name of Registrant as

8-A12B 1 d370957d8a12b.htm 8-A12B UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 ECB Bancorp, Inc. (Exact Name of Registrant as Specified in Its Charter) Maryland 88-1502079 (State or other jurisdiction of incorporation or organization) (I.R.S.

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 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): July 27, 2022 ECB BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-41456 88-1502079 (State or Other Jurisdiction of Incorporation) (Commission File No.) (

ECB Bancorp, Inc. Completes Initial Public Offering

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Richard J. O?Neil, Jr. President and Chief Executive Officer Telephone: (617) 387-1110 ECB Bancorp, Inc. Completes Initial Public Offering EVERETT, MASSACHUSETTS, July 27, 2022 ? ECB Bancorp, Inc. (the ?Company? or ?ECB Bancorp?), the holding company for Everett Co-operative Bank (the ?Bank?), announced today that it has completed its initial public offe

ECB Bancorp, Inc. Announces Expected Conversion Closing Date and Stock Offering Results

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Richard J. O?Neil, Jr. President and Chief Executive Officer Telephone: (617) 387-1110 ECB Bancorp, Inc. Announces Expected Conversion Closing Date and Stock Offering Results EVERETT, MASSACHUSETTS, July 26, 2022 ? ECB Bancorp, Inc. (the ?Company? or ?ECB Bancorp?), the proposed holding company for Everett Co-operative Bank (the ?Bank?), announced today

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 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): July 26, 2022 ECB BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-263449 88-1502079 (State or Other Jurisdiction of Incorporation) (Commission File No.)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 333-263449 ECB Bancorp, Inc.

ECB Bancorp, Inc. Increases Maximum Purchase Limitations

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Richard J. O?Neil, Jr. President and Chief Executive Officer Telephone: (617) 387-1110 ECB Bancorp, Inc. Increases Maximum Purchase Limitations EVERETT, MASSACHUSETTS, June 21, 2022 ? ECB Bancorp, Inc. (the ?Company?), the proposed holding company for Everett Co-operative Bank (the ?Bank?), has increased the maximum purchase limitations in the stock offe

ECB BANCORP, INC. (Proposed Holding Company for Everett Co-operative Bank) Up to 10,637,500 shares of Common Stock (Subject to increase to up to 12,333,125 shares)

Filed Pursuant to Rule 424(b)(3) Registration No.: 333-263449 PROSPECTUS SUPPLEMENT (To Prospectus Dated May 13, 2022) ECB BANCORP, INC. (Proposed Holding Company for Everett Co-operative Bank) Up to 10,637,500 shares of Common Stock (Subject to increase to up to 12,333,125 shares) This supplements the prospectus of ECB Bancorp, Inc., a Maryland corporation, dated May 13, 2022. This prospectus sup

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 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): June 21, 2022 ECB BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-263449 88-1502079 (State or Other Jurisdiction) of Incorporation) (Commission File No.)

(Proposed Holding Company for Everett Co-operative Bank) Up to 10,637,500 shares of Common Stock (Subject to increase to up to 12,233,125 shares)

424B3 1 d308512d424b3.htm 424B3 Table of Contents Filed Pursuant to Rule 424(b)(3) Registration No. 333-263449 PROSPECTUS (Proposed Holding Company for Everett Co-operative Bank) Up to 10,637,500 shares of Common Stock (Subject to increase to up to 12,233,125 shares) ECB Bancorp, Inc., a Maryland corporation, and the proposed holding company for Everett Co-operative Bank, is offering shares of com

Agency Agreement dated May 13, 2022

Exhibit 1.1 ECB Bancorp Inc. (a Maryland corporation) Up to 10,637,500 Shares (Subject to Increase Up to 12,233,125 Shares) COMMON STOCK (Par Value $0.01 Per Share) Subscription Price $10.00 Per Share AGENCY AGREEMENT May 13, 2022 Keefe, Bruyette & Woods, Inc. 70 West Madison Street Suite 2401 Chicago, Illinois 60602 Ladies and Gentlemen: ECB Bancorp, Inc. (the “Company”), a newly formed Maryland

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 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): May 13, 2022 ECB BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-263449 88-1502079 (State or Other Jurisdiction) of Incorporation) (Commission File No.)

May 11, 2022

May 11, 2022 VIA EDGAR Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: ECB Bancorp, Inc. Registration Statement on Form S-1 (Registration Number 333-263449) Request for Acceleration of Effectiveness Ladies and Gentlemen: In accordance with Rule 461 of Regulation C promulgated under the Securities Act of 1933, we hereby join ECB Bancorp, Inc. in requesting that the

ECB Bancorp, Inc. 419 Broadway Everett, Massachusetts 02149

ECB Bancorp, Inc. 419 Broadway Everett, Massachusetts 02149 May 11, 2022 VIA EDGAR Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: ECB Bancorp, Inc. Registration Statement on Form S-1 (Registration Number 333-263449) Request for Acceleration of Effectiveness Ladies and Gentlemen: ECB Bancorp, Inc., a Maryland corporation (the “Company”), hereby requests that the Co

Form of Agency Agreement between Everett Co-operative Bank, ECB Bancorp, Inc. and Keefe Bruyette & Woods, Inc.

Exhibit 1.2 ECB Bancorp Inc. (a Maryland corporation) Up to 10,637,500 Shares (Subject to Increase Up to 12,233,125 Shares) COMMON STOCK (Par Value $0.01 Per Share) Subscription Price $10.00 Per Share AGENCY AGREEMENT , 2022 Keefe, Bruyette & Woods, Inc. 70 West Madison Street Suite 2401 Chicago, Illinois 60602 Ladies and Gentlemen: ECB Bancorp, Inc. (the ?Company?), a newly formed Maryland corpor

Employee Incentive Plan (4)

Exhibit 10.10 Everett Co-operative Bank Annual Incentive Plan I. Establishment and Purpose of the Plan Everett Co-operative Bank (?Bank?) has established the Everett Co-operative Bank Annual Incentive Plan (?Plan? or ?AIP?) for the benefit of eligible participants. This AIP replaces the Everett Co-operative Bank Employee Incentive Plan in its entirety. This Plan operates as follows, for each Perfo

Engagement Letter with RP Financial, LC. to serve as appraiser

Exhibit 99.1 November 12, 2021 Mr. Richard J. O?Neil, Jr. President and Chief Executive Officer Everett Co-operative Bank 419 Broadway Everett, Massachusetts 02149 Dear Mr. O?Neil: This letter sets forth the agreement between Everett Co-operative Bank, Everett, Massachusetts (the ?Bank?), and RP? Financial, LC. (?RP Financial?), whereby RP Financial will provide the independent conversion appraisa

As filed with the Securities and Exchange Commission on May 2, 2022

Table of Contents As filed with the Securities and Exchange Commission on May 2, 2022 Registration No.

Marketing Materials

Exhibit 99.4 Dear Valued Depositor: We are pleased to announce that ECB Bancorp, Inc., a newly formed Maryland corporation, is offering shares of common stock for sale in connection with the conversion of Everett Co-operative Bank from the mutual to stock form of organization. We intend to contribute cash and stock to a charitable foundation, the Everett Co-operative Bank Foundation, consisting of

Stock Order and Certification Form

Exhibit 99.5 STOCK ORDER FORM For Internal Use Only SEND OVERNIGHT PACKAGES TO: Stock Information Center c/o Keefe, Bruyette & Woods 18 Columbia Turnpike, Suite 100 Florham Park, NJ 07932 Call us toll-free, at 1-(877 821-5783) - BATCH # ORDER # CATEGORY # REC?D O C ORDER DEADLINE & DELIVERY: A Stock Order Form, properly completed and with full payment, must be received (not postmarked) before 2:00

Plan of Conversion of Everett Co-operative Bank

Exhibit 2 PLAN OF CONVERSION OF EVERETT CO-OPERATIVE BANK TABLE OF CONTENTS ARTICLE I INTRODUCTION 1 ARTICLE II BUSINESS PURPOSE 2 ARTICLE III DEFINITIONS 3 ARTICLE IV GENERAL PROCEDURE FOR CONVERSION 8 ARTICLE V SHARES OF CONVERSION STOCK TO BE OFFERED 10 ARTICLE VI SUBSCRIPTION RIGHTS AND ORDERS FOR CONVERSION STOCK 11 ARTICLE VII STOCK PURCHASE PRIORITIES 14 ARTICLE VIII ADDITIONAL LIMITATIONS

Everett Co-operative Bank Survivor Benefit Plan (4)

Exhibit 10.3 Everett Co-operative Bank Survivor Benefit Plan Table of Contents SECTION 1 - STATEMENT OF PURPOSE 2 SECTION 2 - DEFINITIONS 2 SECTION 3 - PLAN ADMINISTRATION 3 SECTION 4 - ELIGIBILITY AND PARTICIPATION 5 SECTION 5 - PRE-RETIREMENT SURVIVOR BENEFIT 5 SECTION 6 - AUTHORIZED LEAVE OF ABSENCE 5 SECTION 7 - BANK-OWNED LIFE INSURANCE (?BOLI?) 5 SECTION 8 - RESIGNATION AND REMOVAL OF THE AD

LUSE GORMAN, PC ATTORNEYS AT LAW 5335 WISCONSIN AVENUE, N.W., SUITE 780 WASHINGTON, D.C. 20015 TELEPHONE (202) 274-2000 FACSIMILE (202) 362-2902 WRITER’S DIRECT DIAL NUMBER WRITER’S E-MAIL (202) 274-2004 [email protected]

LUSE GORMAN, PC ATTORNEYS AT LAW 5335 WISCONSIN AVENUE, N.W., SUITE 780 WASHINGTON, D.C. 20015 TELEPHONE (202) 274-2000 FACSIMILE (202) 362-2902 www.LuseLaw.com WRITER’S DIRECT DIAL NUMBER WRITER’S E-MAIL (202) 274-2004 [email protected] May 2, 2022 VIA EDGAR Securities and Exchange Commission Division of Corporation Finance Washington, D.C. 20549-3561 Attn: Ms. Tonya K. Aldave, Staff Attorney R

Plan of Conversion of Everett Co-operative Bank

Exhibit 2 PLAN OF CONVERSION OF EVERETT CO-OPERATIVE BANK TABLE OF CONTENTS ARTICLE I INTRODUCTION 1 ARTICLE II BUSINESS PURPOSE 2 ARTICLE III DEFINITIONS 2 ARTICLE IV GENERAL PROCEDURE FOR CONVERSION 7 ARTICLE V SHARES OF CONVERSION STOCK TO BE OFFERED 9 ARTICLE VI SUBSCRIPTION RIGHTS AND ORDERS FOR CONVERSION STOCK 11 ARTICLE VII STOCK PURCHASE PRIORITIES 14 ARTICLE VIII ADDITIONAL LIMITATIONS O

Director Deferred Compensation Plan(1)

Exhibit 10.8 EVERETT CO-OPERATIVE BANK DEFERRED COMPENSATION PLAN FOR DIRECTORS Effective August 1, 2017 TABLE OF CONTENTS Page ARTICLE I?PURPOSE 1 ARTICLE II?DEFINITIONS 1 2.1 Account 1 2.2 Beneficiary 1 2.3 Board 1 2.4 Change in Control 1 2.5 Code 2 2.6 Company 2 2.7 Deferral Account 2 2.8 Deferral Election 2 2.9 Deferral Period 2 2.10 Director 2 2.11 Director?s Fees 2 2.12 Effective Date 2 2.13

Form of Common Stock Certificate of ECB Bancorp (1)

EX-4 7 d308512dex4.htm EX-4 Exhibit 4 No. ECB BANCORP, INC. Shares INCORPORATED UNDER THE LAWS OF THE STATE OF MARYLAND CUSIP: SEE REVERSE SIDE FOR CERTAIN DEFINITIONS AND RESTRICTIONS THIS CERTIFIES that is the owner of FULLY PAID AND NON-ASSESSABLE SHARES OF COMMON STOCK, PAR VALUE $0.01 PER SHARE The shares evidenced by this certificate are transferable only on the books of ECB Bancorp, Inc. by

Supplemental Executive Retirement Plan for Joseph Keohane

Exhibit 10.6 Everett Co-operative Bank Supplemental Executive Retirement Plan Revised as of January 1, 2014 Table of Contents SECTION 1- STATEMENT OF PURPOSE 1 SECTION 2- DEFINITIONS 1 SECTION 3- PLAN ADMINISTRATION 2 SECTION 4- ELIGIBILITY AND PARTICIPATION 4 SECTION 5- RETIREMENT BENEFIT 5 SECTION 6- DISABILITY BENEFIT AND AUTHORIZED LEAVE OF ABSENCE 6 SECTION 7- BANK-OWNED LIFE INSURANCE 6 SECT

Bylaws of ECB Bancorp (1)

Exhibit 3.2 ECB BANCORP, INC. BYLAWS ARTICLE I STOCKHOLDERS Section 1. Annual Meeting. The Corporation shall hold an annual meeting of its stockholders to elect directors and to transact any other business within its powers, at such place, on such date and at such time as the Board of Directors shall fix. Failure to hold an annual meeting does not invalidate the Corporation?s existence or affect a

Engagement Letter with RP Financial, LC. to serve as appraiser

Exhibit 99.1 November 12, 2021 Mr. Richard J. O?Neil, Jr. President and Chief Executive Officer Everett Co-operative Bank 419 Broadway Everett, Massachusetts 02149 Dear Mr. O?Neil: This letter sets forth the agreement between Everett Co-operative Bank, Everett, Massachusetts (the ?Bank?), and RP? Financial, LC. (?RP Financial?), whereby RP Financial will provide the independent conversion appraisa

Letter of RP Financial, LC. with respect to liquidation rights

Exhibit 99.6 February 18, 2022 Board of Directors Everett Co-operative Bank ECB Bancorp, Inc. Everett, Massachusetts 02149 Re: Plan of Conversion ECB Bancorp, Inc. Everett Co-operative Bank Members of the Boards of Directors: All capitalized terms not otherwise defined in this letter have the meanings given such terms in the Plan of Conversion (the ?Plan?) adopted by the Boards of Directors of ECB

Filing Fee Table

EX-FILING FEES 25 d308512dexfilingfees.htm EX-FILING FEES Exhibit 107 Calculation of Filing Fee Tables Form S-1 (Form Type) ECB Bancorp, Inc. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Aggregate Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate

As filed with the Securities and Exchange Commission on March 10, 2022

Table of Contents As filed with the Securities and Exchange Commission on March 10, 2022 Registration No.

Amended and Restated Articles of Incorporation of ECB Bancorp, Inc. (1)

Exhibit 3.1 ARTICLES OF AMENDMENT AND RESTATEMENT OF ARTICLES OF INCORPORATION OF ECB BANCORP, INC. ECB Bancorp, Inc., a Maryland corporation (the ?Corporation?), hereby certifies to the State of Department of Assessments and Taxation Maryland that: FIRST: The Corporation desires to, and does hereby, amend and restate in its entirety the Articles of Incorporation of the Corporation (the ?Articles

Form of Stock-Based Deferral Plan (1)

Exhibit 10.9 ECB BANCORP, INC. STOCK-BASED DEFERRAL PLAN 1. Purpose. The ECB Bancorp, Inc. Stock-Based Deferral Plan provides members of the Boards of Directors of ECB Bancorp, Inc. and Everett Co-operative Bank (collectively referred to herein as ?Everett?) with the opportunity to elect to defer compensation received from Everett for their services and make deemed investments of that deferred com

Form of Employment Agreement between Everett Co-operative Bank and Richard J. O’Neil, Jr.

Exhibit 10.1 FORM OF EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (?Agreement?) is made and entered into on , 2022 (?Effective Date?), by and between ECB Bancorp, Inc. (the ?Company?), a Maryland corporation, Everett Co-operative Bank (the ?Bank?) and (the ?Executive?). Background A. The Company and the Bank wish to employ the Executive on the terms and conditions provided herein, and the Execut

Director Fee Continuation Plan(1)

Exhibit 10.7 EVERETT CO-OPERATIVE BANK DIRECTOR FEE CONTINUATION PLAN Effective January 1, 2017 TABLE OF CONTENTS PAGE ARTICLE I?PURPOSE 1 ARTICLE II?DEFINITIONS 1 2.1 Beneficiary 1 2.2 Benefit Schedule 1 2.3 Board 1 2.4 Change in Control 1 2.5 Code 2 2.6 Effective Date 2 2.7 ERISA 2 2.8 Interest Rate 2 2.9 Normal Retirement Age 2 2.10 Normal Retirement Date 2 2.11 Participant 2 2.12 Plan 2 2.13 P

Non-Qualified Deferred Compensation Plan for John Citrano(1)

Exhibit 10.5 EVERETT CO-OPERATIVE BANK NONQUALIFIED DEFERRED COMPENSATION PLAN This Nonqualified Deferred Compensation Plan (the ?Plan?) is adopted May 1,2021, by and between Everett Co-operative Bank (the ?Bank?), a Massachusetts banking corporation, and John Citrano (the ?Executive?). RECITALS: A. The Executive is employed by the Bank. B. The Bank recognizes the valuable services the Executive h

Supplemental Executive Retirement Plan for Richard O’Neil(1)

Exhibit 10.4 EVERETT CO-OPERATIVE BANK SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN FOR RICHARD J. O?NEIL, Jr. Effective January 1, 2018 TABLE OF CONTENTS PAGE ARTICLE I - PURPOSE 1 ARTICLE II - DEFINITIONS 1 2.1 Actuarial Equivalent 1 2.2 Beneficiary 1 2.3 Board 1 2.4 Cause 1 2.5 Code 1 2.6 Compensation 1 2.7 Change in Control 2 2.8 Disability 2 2.9 Effective Date 2 2.10 ERISA 2 2.11 Final Average Comp

Appraisal Report of RP Financial, LC.

EX-99.3 23 d308512dex993.htm EX-99.3 Exhibit 99.3 PRO FORMA VALUATION REPORT STANDARD CONVERSION ECB Bancorp | Everett, Massachusetts HOLDING COMPANY FOR: Everett Co-Operative Bank | Everett, Massachusetts Dated as of February 18, 2022 1311-A Dolley Madison Boulevard, Suite 2A McLean, Virginia 22101 703.528.1700 rpfinancial.com February 18, 2022 Board of Directors Everett Co-operative Bank 419 Bro

Form of Change in Control Agreement between Everett Co-operative Bank and certain executive officers

Exhibit 10.2 FORM OF CHANGE IN CONTROL AGREEMENT This AGREEMENT is made effective as of , 2022 (?Effective Date?), by and between EVERETT CO-OPERATIVE BANK, a Massachusetts chartered stock savings bank (the ?Bank?) and (?Executive?). Any reference to the ?Company? herein shall mean ECB BANCORP, INC. or any successor thereto. The Company has executed this Agreement solely for purposes of guaranteei

Letter of RP Financial, LC. with respect to subscription rights

Exhibit 99.2 March 10, 2022 Everett Co-operative Bank ECB Bancorp, Inc. 419 Broadway Everett, Massachusetts 02149 Re: Plan of Conversion ECB Bancorp, Inc. Everett Co-operative Bank Members of the Boards of Directors: All capitalized terms not otherwise defined in this letter have the meanings given such terms in the Plan of Conversion (the ?Plan?) adopted by the Board of Directors of Everett Co-Op

Engagement Letters between Everett Co-operative Bank and Keefe Bruyette & Woods, Inc.

Exhibit 1.1 November 11, 2021 Everett Co-operative Bank 419 Broadway Everett, MA 02149 Attention: Mr. Richard J. O?Neil Jr President & Chief Executive Officer Re: Services of Conversion Agent and Data Processing Records Management Agent Ladies and Gentlemen: This letter agreement (this ?Agreement?) confirms the engagement of Keefe, Bruyette & Woods, Inc. (?KBW?) by Everett Co-operative Bank (the ?

Subsidiaries (1)

Exhibit 21 Subsidiaries of the Registrant The following is a list of the subsidiaries of ECB Bancorp, Inc.: Name State of Incorporation Everett Co-operative Bank Massachusetts First Everett Securities Corporation, Inc.(1) Massachusetts (1) Wholly owned subsidiary of Everett Co-operative Bank