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
Unfavorable gap of $9.1M · efficiency ratio beats 33% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.60% | 1.00% | 1.45% | Beats 24% | 471 / 620 | |
| Return on Equity | 6.51% | 5.30% | 9.30% | 13.29% | Beats 31% | 428 / 620 | |
| Net Interest Margin | 2.56% | 3.02% | 3.53% | 4.04% | Beats 11% | 549 / 620 | |
| Efficiency Ratio | 75.41% | 58.35% | 68.08% | 79.37% | Beats 33% | 417 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.09% | 0.47% | 1.27% | Beats 58% | 239 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 9.47% | 11.27% | 13.87% | 18.78% | Beats 5% | 587 / 620 | |
| Total Risk-Based Capital Ratio | 9.47% | 11.69% | 14.57% | 19.67% | Beats 5% | 588 / 620 | |
| Equity / Assets | 8.99% | 9.03% | 10.60% | 13.73% | Beats 24% | 471 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 121.76% | 65.08% | 79.69% | 92.47% | 98th pctl | 12 / 585 | |
| Loans / Assets | 85.55% | 51.85% | 67.17% | 77.86% | 94th pctl | 37 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |