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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=581 to 629). 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

32

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 2026-10-11

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 $1.9MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $308.4M10%Noninterest $32.9MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%-0.05%-0.08%0.12%0.21%0.26%0.50%0.58%+46 bps
Return on Equity1.61%-0.56%-0.98%1.43%2.46%3.06%5.67%6.61%+518 bps
Net Interest Margin1.68%1.78%2.10%2.16%2.21%2.31%2.53%2.56%+40 bps
Efficiency Ratio94.50%97.45%106.31%93.93%89.77%87.93%78.67%75.41%-1,852 bps
Non-Interest Burden1.55%1.72%2.24%2.01%1.96%2.01%1.93%1.85%-16 bps
Growth
Asset Growth (YoY)-2.47%-5.75%-5.86%-1.87%-0.71%0.11%3.33%-0.53%+135 bps
Loan Growth (YoY)-2.36%-5.07%-3.55%0.45%0.02%1.17%3.28%-2.56%-301 bps
Deposit Growth (YoY)0.45%-5.02%-8.17%-6.93%-0.78%-0.50%0.44%-1.81%+512 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.65%0.61%0.31%0.23%0.22%0.91%0.31%0 bps
Net Charge-Offs / Loans0.11%0.09%0.83%0.47%0.32%0.25%0.00%-0.01%-48 bps
Allowance / Loans0.94%1.14%0.93%0.87%0.89%0.89%0.87%0.89%+2 bps
Allowance Coverage of NPLs1.5x1.8x1.5x2.8x3.9x4.1x1.0x2.9x0.0x
Capital
Tier 1 Leverage Ratio9.18%9.21%9.26%9.27%9.17%9.43%9.42%9.47%+20 bps
Total Risk-Based Capital9.18%9.21%9.26%9.27%9.17%9.43%9.42%9.47%+20 bps
Equity / Assets8.43%8.44%8.47%8.40%8.57%8.80%8.69%8.99%+59 bps
Liquidity & Funding
Loans / Deposits116.74%118.28%118.33%122.69%117.68%120.26%121.69%121.76%-93 bps
Liquid Assets / Assets5.57%3.00%3.61%2.74%2.85%3.06%2.66%3.57%+83 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

Eclipse Bank, Inc.

Louisville, KY · Cert 58049 · Peer group: banks under $1B in assets (n=581-629) · 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 158 of 581).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets (rank 595 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.59%

Rank 480 of 629

Net Interest Margin

2.56%

Rank 559 of 629

Efficiency Ratio

75.41%

Rank 426 of 629

Equity / Assets

8.99%

Rank 482 of 629

Non-interest income vs. expense

$1.6M$10.8MINCOMEEXPENSE
Unfavorable gap of $9.1M · efficiency ratio beats 32% of banks under $1B in assets
Bank 75.41%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.59%0.60%1.01%1.45%Beats 24%480 / 629
Return on Equity6.51%5.38%9.30%13.28%Beats 30%439 / 629
Net Interest Margin2.56%3.03%3.54%4.05%Beats 11%559 / 629
Efficiency Ratio75.41%58.35%67.79%79.08%Beats 32%426 / 629
Asset Quality
Nonperforming Loans / Loans0.31%0.09%0.46%1.20%Beats 57%251 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio9.47%11.24%13.84%18.77%Beats 6%594 / 629
Total Risk-Based Capital Ratio9.47%11.58%14.43%19.66%Beats 5%595 / 629
Equity / Assets8.99%9.09%10.65%13.80%Beats 23%482 / 629
Liquidity & Funding
Loans / Deposits121.76%67.24%80.90%93.48%98th pctl11 / 594
Loans / Assets85.55%53.31%67.71%78.15%94th pctl40 / 629
Brokered Deposits / Depositsn/aNot reported for this institution