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  <xsd:element abstract="true" id="ecbk_OtherPortfolioSegmentMember" name="OtherPortfolioSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_OtherStateTaxAuthoritiesMember" name="OtherStateTaxAuthoritiesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ecbk_PaymentsForInInterestbearingDepositsInBanks" name="PaymentsForInInterestbearingDepositsInBanks" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="ecbk_ProceedsFromInInterestbearingDepositsInBanks" name="ProceedsFromInInterestbearingDepositsInBanks" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_RealEstatePortfolioSegmentMember" name="RealEstatePortfolioSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ecbk_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsForfeituresAndExpirationsInPeriod" name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsForfeituresAndExpirationsInPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element id="ecbk_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsVestedInPeriod" name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedOptionsVestedInPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element id="ecbk_SharebasedCompensationArrangementsBySharebasedPaymentAwardOptionsVestedInPeriodWeightedAverageExercisePrice" name="SharebasedCompensationArrangementsBySharebasedPaymentAwardOptionsVestedInPeriodWeightedAverageExercisePrice" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType" xbrli:periodType="duration"/>
  <xsd:element id="ecbk_StockIssuedDuringPeriodSharesContributed" name="StockIssuedDuringPeriodSharesContributed" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_SupplementalExecutiveRetirementPlanSERPMember" name="SupplementalExecutiveRetirementPlanSERPMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_The2023EquityPlanMember" name="The2023EquityPlanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_UnadvancedFundsOnConstructionLoansMember" name="UnadvancedFundsOnConstructionLoansMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ecbk_UnallocatedESOPShares" name="UnallocatedESOPShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-10-earnings-per-share-eps-schedule-of-earnings-per-share-details" name="statement-statement-note-10-earnings-per-share-eps-schedule-of-earnings-per-share-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-10-earnings-per-share-eps-tables" name="statement-statement-note-10-earnings-per-share-eps-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-11-derivative-and-hedging-activities-schedule-of-balance-sheet-classification-details" name="statement-statement-note-11-derivative-and-hedging-activities-schedule-of-balance-sheet-classification-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-11-derivative-and-hedging-activities-schedule-of-derivative-position-for-interest-rate-swaps-details" name="statement-statement-note-11-derivative-and-hedging-activities-schedule-of-derivative-position-for-interest-rate-swaps-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-11-derivative-and-hedging-activities-schedule-of-pretax-effects-of-cash-flow-hedges-details" name="statement-statement-note-11-derivative-and-hedging-activities-schedule-of-pretax-effects-of-cash-flow-hedges-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-11-derivative-and-hedging-activities-tables" name="statement-statement-note-11-derivative-and-hedging-activities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-3-investments-in-securities-schedule-of-availableforsale-securities-details" name="statement-statement-note-3-investments-in-securities-schedule-of-availableforsale-securities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-3-investments-in-securities-schedule-of-availableforsale-securities-in-unrealized-loss-position-details" name="statement-statement-note-3-investments-in-securities-schedule-of-availableforsale-securities-in-unrealized-loss-position-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-3-investments-in-securities-schedule-of-heldtomaturity-securities-details" name="statement-statement-note-3-investments-in-securities-schedule-of-heldtomaturity-securities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-3-investments-in-securities-schedule-of-investments-classified-by-contractual-maturity-date-details" name="statement-statement-note-3-investments-in-securities-schedule-of-investments-classified-by-contractual-maturity-date-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-3-investments-in-securities-tables" name="statement-statement-note-3-investments-in-securities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-4-loans-allowance-for-credit-losses-and-credit-quality-schedule-of-allowance-for-credit-losses-details" name="statement-statement-note-4-loans-allowance-for-credit-losses-and-credit-quality-schedule-of-allowance-for-credit-losses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-4-loans-allowance-for-credit-losses-and-credit-quality-schedule-of-credit-quality-indicators-details" name="statement-statement-note-4-loans-allowance-for-credit-losses-and-credit-quality-schedule-of-credit-quality-indicators-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-4-loans-allowance-for-credit-losses-and-credit-quality-schedule-of-loans-age-analysis-details" name="statement-statement-note-4-loans-allowance-for-credit-losses-and-credit-quality-schedule-of-loans-age-analysis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-4-loans-allowance-for-credit-losses-and-credit-quality-schedule-of-loans-details" name="statement-statement-note-4-loans-allowance-for-credit-losses-and-credit-quality-schedule-of-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-4-loans-allowance-for-credit-losses-and-credit-quality-schedule-of-nonaccrual-loans-details" name="statement-statement-note-4-loans-allowance-for-credit-losses-and-credit-quality-schedule-of-nonaccrual-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-4-loans-allowance-for-credit-losses-and-credit-quality-summary-of-allowance-for-credit-losses-details" name="statement-statement-note-4-loans-allowance-for-credit-losses-and-credit-quality-summary-of-allowance-for-credit-losses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-4-loans-allowance-for-credit-losses-and-credit-quality-tables" name="statement-statement-note-4-loans-allowance-for-credit-losses-and-credit-quality-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-5-stockbased-compensation-schedule-of-compensation-cost-related-to-nonvested-awards-details" name="statement-statement-note-5-stockbased-compensation-schedule-of-compensation-cost-related-to-nonvested-awards-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-5-stockbased-compensation-schedule-of-compensation-expense-and-income-tax-benefits-details" name="statement-statement-note-5-stockbased-compensation-schedule-of-compensation-expense-and-income-tax-benefits-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-5-stockbased-compensation-schedule-of-restricted-stock-awards-details" name="statement-statement-note-5-stockbased-compensation-schedule-of-restricted-stock-awards-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-5-stockbased-compensation-schedule-of-stock-options-details" name="statement-statement-note-5-stockbased-compensation-schedule-of-stock-options-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-5-stockbased-compensation-tables" name="statement-statement-note-5-stockbased-compensation-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-6-fair-value-measurements-schedule-of-assets-and-liabilities-on-recurring-basis-details" name="statement-statement-note-6-fair-value-measurements-schedule-of-assets-and-liabilities-on-recurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-6-fair-value-measurements-schedule-of-financial-assets-and-liabilities-fair-values-details" name="statement-statement-note-6-fair-value-measurements-schedule-of-financial-assets-and-liabilities-fair-values-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-6-fair-value-measurements-tables" name="statement-statement-note-6-fair-value-measurements-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-7-commitment-and-contingencies-schedule-of-offbalance-sheet-credit-risk-details" name="statement-statement-note-7-commitment-and-contingencies-schedule-of-offbalance-sheet-credit-risk-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-7-commitments-and-contingencies-tables" name="statement-statement-note-7-commitments-and-contingencies-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-8-other-comprehensive-income-loss-schedule-of-accumulated-other-comprehensive-loss-income-details" name="statement-statement-note-8-other-comprehensive-income-loss-schedule-of-accumulated-other-comprehensive-loss-income-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-8-other-comprehensive-income-loss-schedule-of-other-comprehensive-income-loss-details" name="statement-statement-note-8-other-comprehensive-income-loss-schedule-of-other-comprehensive-income-loss-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-8-other-comprehensive-income-loss-tables" name="statement-statement-note-8-other-comprehensive-income-loss-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-9-regulatory-matters-schedule-of-capital-amounts-and-ratios-details" name="statement-statement-note-9-regulatory-matters-schedule-of-capital-amounts-and-ratios-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ecbk_statement-statement-note-9-regulatory-matters-tables" name="statement-statement-note-9-regulatory-matters-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
