Richard J. O'Neil Jr. - 16 Sep 2025 Form 4 Insider Report for ECB Bancorp, Inc. /MD/ (ECBK)

Role: President and CEO, Director
Signature: /s/ Steven T. Lanter, pursuant to power of attorney
Issuer symbol: ECBK
Transactions as of: 16 Sep 2025
Net transactions value: +$19,812
Form type: 4
Filing time: 18 Sep 2025, 17:07:48 UTC
Previous filing: 01 Nov 2023
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
O'Neil Richard J Jr	President and CEO, Director	419 BROADWAY, EVERETT	/s/ Steven T. Lanter, pursuant to power of attorney	18 Sep 2025	0001937675

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	ECBK	Common Stock	Purchase	$19,812	+1,250	+4.8%	$15.85	27,355	16 Sep 2025	By IRA
holding	ECBK	Common Stock						67,399	16 Sep 2025	Direct	F1
holding	ECBK	Common Stock						15,000	16 Sep 2025	By Roth IRA
holding	ECBK	Common Stock						4,417	16 Sep 2025	By ESOP	F3

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
holding	ECBK	Stock Options						168,498	16 Sep 2025	Common Stock	168,498	$10.12	Direct	F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Includes shares of restricted stock which vest at a rate of 20% per year commencing on October 31, 2024.
F2	Stock options vest at a rate of 20% per year commencing on October 31, 2024.
F3	Reflects transactions not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934, as amended.