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Eclipse Bank, Inc.

Louisville, KY · Cert 58049 · Eclipse Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=573 to 620). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

11

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

33

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Eclipse Bank, Inc.

Louisville, KY · Cert 58049 · Eclipse Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$485.7MAssets
$415.5MLoans
$341.3MDeposits
$43.7MEquity
Loan mix
90%RE $358.5M10%C&I $40.0M0%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $308.4M10%Noninterest $32.9MQ2 2025Q2 2026

NIM

5.25%Q2 ’245.34%Q2 ’255.38%Q2 ’26+38%+19%

Non-interest income vs. expense

2.06%Q2 ’242.24%Q2 ’252.18%Q2 ’26+59%-8%

Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 0.6% share · #21 of 43 inst. · $0.3B of $48.2B

0.9% Jefferson
1.0% Washington

Executive Summary

  • Earnings: ROA of 0.58%, up 46 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.31% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.47%, up 20 bps from a year ago.
  • Funding: loans stand at 121.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%+46 bps YoY

Net Interest Margin (YTD, annualized)

2.56%+40 bps YoY

Efficiency Ratio (YTD, annualized)

75.41%-1,852 bps YoY

Tier 1 Leverage Ratio

9.47%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.12%0.21%0.26%0.50%0.58%+46 bps
Return on Equity1.43%2.46%3.06%5.67%6.61%+518 bps
Net Interest Margin2.16%2.21%2.31%2.53%2.56%+40 bps
Efficiency Ratio93.93%89.77%87.93%78.67%75.41%-1,852 bps
Non-Interest Burden2.01%1.96%2.01%1.93%1.85%-16 bps
Growth
Asset Growth (YoY)-1.87%-0.71%0.11%3.33%-0.53%+135 bps
Loan Growth (YoY)0.45%0.02%1.17%3.28%-2.56%-301 bps
Deposit Growth (YoY)-6.93%-0.78%-0.50%0.44%-1.81%+512 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.23%0.22%0.91%0.31%0 bps
Net Charge-Offs / Loans0.47%0.32%0.25%0.00%-0.01%-48 bps
Allowance / Loans0.87%0.89%0.89%0.87%0.89%+2 bps
Allowance Coverage of NPLs2.8x3.9x4.1x1.0x2.9x0.0x
Capital
Tier 1 Leverage Ratio9.27%9.17%9.43%9.42%9.47%+20 bps
Total Risk-Based Capital9.27%9.17%9.43%9.42%9.47%+20 bps
Equity / Assets8.40%8.57%8.80%8.69%8.99%+59 bps
Liquidity & Funding
Loans / Deposits122.69%117.68%120.26%121.69%121.76%-93 bps
Liquid Assets / Assets2.74%2.85%3.06%2.66%3.57%+83 bps
CRE / Total Capitaln/a413%406%411%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Eclipse Bank, Inc.

Louisville, KY · Cert 58049 · Peer group: banks under $1B in assets (n=573-620) · Eclipse Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$485.7MAssets
$415.5MLoans
$341.3MDeposits
$43.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 162 of 573).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets (rank 588 of 620).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.59%

Rank 471 of 620

Net Interest Margin

2.56%

Rank 549 of 620

Efficiency Ratio

75.41%

Rank 417 of 620

Equity / Assets

8.99%

Rank 471 of 620

Non-interest income vs. expense

$1.6M$10.8MINCOMEEXPENSE
Unfavorable gap of $9.1M · efficiency ratio beats 33% of banks under $1B in assets
Bank 75.41%Peer median 68.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.59%0.60%1.00%1.45%Beats 24%471 / 620
Return on Equity6.51%5.30%9.30%13.29%Beats 31%428 / 620
Net Interest Margin2.56%3.02%3.53%4.04%Beats 11%549 / 620
Efficiency Ratio75.41%58.35%68.08%79.37%Beats 33%417 / 620
Asset Quality
Nonperforming Loans / Loans0.31%0.09%0.47%1.27%Beats 58%239 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%162 / 573
Capital
Tier 1 Capital Ratio9.47%11.27%13.87%18.78%Beats 5%587 / 620
Total Risk-Based Capital Ratio9.47%11.69%14.57%19.67%Beats 5%588 / 620
Equity / Assets8.99%9.03%10.60%13.73%Beats 24%471 / 620
Liquidity & Funding
Loans / Deposits121.76%65.08%79.69%92.47%98th pctl12 / 585
Loans / Assets85.55%51.85%67.17%77.86%94th pctl37 / 620
Brokered Deposits / Depositsn/aNot reported for this institution