Financial Statements — ECBK
Balance Sheet
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 |
|---|
| Net Loans & Leases | -- | -- | -- | -- | 1.18 | 1.11 | 1.10 | -- | -- | -- | 0.00 | -- | -- | -- |
| Total Assets | 1.67 | 1.65 | 1.55 | 1.52 | 1.45 | 1.36 | 1.34 | 1.30 | 1.21 | 1.20 | 1.16 | 0.87 | 0.78 | 0.69 |
| Total Deposits | 1.19 | 1.20 | 1.11 | 1.07 | 1.04 | 0.94 | 0.93 | 0.90 | 0.81 | 0.79 | 0.77 | 0.65 | 0.66 | 0.59 |
| Total Liabilities | 1.49 | 1.47 | 1.38 | 1.35 | 1.28 | 1.19 | 1.17 | 1.14 | 1.05 | 1.03 | 0.99 | 0.71 | 0.70 | 0.61 |
| Retained Earnings | 0.10 | 0.10 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 |
| Total Stockholder Equity | 0.18 | 0.18 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.16 | 0.16 | 0.16 | 0.08 | 0.08 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 |
|---|
| Interest & Dividend Income | 22.14 | 21.61 | 21.04 | 20.42 | 19.10 | 17.62 | 17.81 | 17.16 | 16.39 | 15.69 | 14.90 | 14.17 | 13.65 | 12.06 | 9.69 | 7.76 | 6.10 | 5.61 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | 10.86 | 10.37 | 9.79 | 8.96 | 8.08 | 7.25 | 5.70 | 2.87 | 1.22 | 0.73 | 0.69 |
| Net Interest Income | 10.04 | 9.83 | 9.15 | 8.46 | 7.66 | 6.65 | 6.78 | 6.29 | 6.01 | 5.90 | 5.94 | 6.09 | 6.40 | 6.37 | 6.81 | 6.54 | 5.37 | 4.92 |
| Provision for Credit Losses | 0.06 | 0.15 | 0.24 | 0.18 | 1.12 | (0.01) | (0.31) | 0.05 | 0.29 | 0.15 | 0.11 | (0.39) | 0.21 | 0.88 | 1.14 | 0.93 | 0.75 | 0.12 |
| Non-interest Income | 0.30 | 0.33 | 0.36 | 0.34 | 0.36 | 0.27 | 0.33 | 0.30 | 0.29 | 0.31 | 0.26 | 0.32 | 0.24 | 0.23 | 0.23 | 0.23 | 0.69 | 0.25 |
| Non-interest Expense | 5.81 | 5.75 | 5.78 | 5.36 | 4.98 | 5.21 | 5.48 | 5.01 | 4.95 | 5.23 | 5.04 | 4.81 | 4.71 | 4.50 | 4.55 | 7.30 | 3.58 | 3.17 |
| Pretax Income | 4.47 | 4.26 | 3.49 | 3.26 | 1.92 | 1.72 | 1.94 | 1.54 | 1.06 | 0.83 | 1.06 | 1.78 | 1.93 | 1.22 | 1.36 | (1.46) | 1.72 | 1.88 |
| Tax Provision | 1.21 | 1.14 | 0.89 | 0.82 | 0.48 | 0.42 | 0.49 | 0.41 | 0.27 | 0.21 | 0.27 | 0.44 | 0.50 | 0.32 | 0.38 | (0.43) | 0.33 | 0.50 |
| Net Income | 3.26 | 3.12 | 2.60 | 2.44 | 1.44 | 1.30 | 1.45 | 1.13 | 0.79 | 0.62 | 0.79 | 1.34 | 1.43 | 0.90 | 0.98 | (1.03) | 1.40 | 1.38 |
| Basic EPS | 0.41 | 0.39 | 0.32 | 0.30 | 0.18 | 0.16 | 0.17 | 0.14 | 0.10 | 0.07 | 0.09 | 0.16 | 0.17 | 0.11 | 0.11 | (0.12) | -- | -- |
| Diluted EPS | 0.39 | 0.38 | 0.32 | 0.29 | 0.17 | 0.16 | 0.18 | 0.14 | 0.09 | 0.07 | 0.08 | 0.16 | 0.17 | 0.11 | 0.11 | (0.12) | -- | -- |
Cash Flow Statement
(in millions USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 |
|---|
| Operating Cash Flow | 11.99 | 2.81 | 3.93 | 4.03 | 1.90 | (0.63) | 4.48 | 0.86 | 1.39 | (0.43) | 2.63 | 0.42 | 1.98 | 1.41 | 3.03 | 3.11 | 0.75 | 0.88 |
| Capital Expenditures | 0.21 | 0.00 | 0.08 | 0.07 | 0.05 | 0.02 | 0.00 | 0.00 | 0.04 | 0.02 | 0.10 | 0.14 | 0.09 | 0.01 | 0.04 | 0.06 | 0.07 | 0.05 |
| Free Cash Flow* | 11.78 | 2.81 | 3.86 | 3.95 | 1.85 | (0.65) | 4.48 | 0.86 | 1.35 | (0.45) | 2.53 | 0.28 | 1.89 | 1.40 | 2.99 | 3.05 | 0.68 | 0.83 |
| Investing Cash Flow | (16.14) | (21.14) | (67.83) | (34.27) | (111.52) | (46.29) | (19.77) | (13.56) | (32.91) | (29.04) | (45.03) | 2.13 | (27.97) | (86.42) | (164.12) | (112.44) | (89.68) | (23.10) |
| Financing Cash Flow | 16.82 | 42.70 | 48.20 | 34.20 | 60.18 | 37.41 | 53.28 | 20.89 | 30.60 | 22.80 | 64.05 | 14.97 | 38.52 | 90.30 | 188.92 | 88.55 | 92.14 | 21.03 |
* Derived from reported values
