ECB Bancorp, a community bank entrenched in the greater Boston area, nearly doubled its net income to $7.8 million in 2025 driven by targeted growth in commercial and multifamily real estate loans. The bank’s shift away from one-to-four family residential loans towards higher-yield commercial segments, prudent underwriting standards, and enhanced electronic banking services fortify its local franchise. Capital management through dividends, share repurchases, and employee stock ownership complements solid balance sheet fundamentals despite geographic concentration risks inherent to the Boston market.