ECB Bancorp, Inc. is a bank holding company whose subsidiary, Everett Co-operative Bank, is a community-oriented financial institution that accepts deposits from the public and deploys those funds into a diversified portfolio of real estate loans and other credit products in the greater Boston area. The Bank's loan portfolio is concentrated in residential mortgages, multifamily properties, and commercial real estate, with funding sourced from retail deposits, brokered deposits, and Federal Home Loan Bank advances. Revenue is generated primarily through net interest income—the spread between interest earned on loans and securities and interest paid on deposits and borrowings—supplemented by customer service fees, loan sale gains, and other banking services, while the Bank maintains profitability through disciplined underwriting, deposit relationship building, and selective expansion within its core market.